R. Flay Cabiness II

Will Filing Bankruptcy Stop Wage Garnishment or Tax Refund Seizures?

When student loan trouble reaches the point where money is being taken out of your paycheck or your tax refund…

3 weeks ago

Why “Buy Now, Pay Later” Debt Can Accelerate Bankruptcy Filing Timelines

Over the past few years, “Buy Now, Pay Later” (BNPL) plans have become almost unavoidable. They show up everywhere. You…

1 month ago

The Brunner Test Explained: A Borrower’s Guide to Student Loan Bankruptcy

For years, people have repeated the same line about student loans: “You can’t get rid of them in bankruptcy.” It’s…

2 months ago

Sudden Credit Score Drops and When Bankruptcy Becomes the Practical Option

A sudden credit score drop can feel like the financial version of an unexpected alarm going off at 3 am…

2 months ago

Student Loans and Your Finances: Repayment, Relief Options, and What to Know

If you’re struggling to meet your basic financial obligations due to student loan payments, you aren’t alone. The good news…

3 months ago

Secured vs. Unsecured Debt: How This Distinction Affects Bankruptcy Filing Decisions

Most people thinking about bankruptcy know they’re overwhelmed by debt, but they aren’t always sure what kind of debt they…

3 months ago

When Side Hustle Income Complicates Bankruptcy Eligibility

Side hustles used to be simple. You could earn a little extra cash working flexible hours to give you a…

5 months ago

What Facts Actually Matter in a Student Loan Hardship Case?

In a student loan hardship case, not all financial struggles are treated equally. Courts focus on specific facts, such as…

5 months ago

How Medical Collections Can Trigger the Need to File for Bankruptcy

Medical debt rarely starts with a big decision to take on an expense. It starts with an ER visit you…

6 months ago

Understanding Undue Hardship: When Student Loans Might Be Discharged

Student loans are often described as “non-dischargeable.” That phrase gets repeated so often that many people assume bankruptcy can’t help…

6 months ago