Author and speaker Amy Hirshberg Lederman researches guilt. She defines guilt as “that feeling that haunts us when our ideal of who we should be or what we should do differs from the reality of who we really are.” Conventional guilt, she explains, emerges from feelings of low self-esteem and negative self-worth. Hirshling-Lederman found that […]
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Indiana Chapter 7 Bankruptcy – The Best Plan For Debt Elimination
As an Indiana bankruptcy lawyer, one of the most important ways I can be of help to clients is in the decision about which type of bankruptcy to file. Personal bankruptcies fall into two categories – Chapter 7 and Chapter 13. Two main factors must be considered: your income and whether you are trying to […]
Indiana Bankruptcy Blog Reader’s Question: Can My Unemployment Benefits Be Garnished?
One reader of my Indiana bankruptcy blogs is concerned about his unemployment benefits, asking whether creditors can garnish those benefits. The general answer to his question is “No.” Creditors cannot garnish unemployment unless it’s for child support or alimony and/or unless unemployment funds have been deposited because they then lose their protection. Creditcards.com adds that […]
Can Filing Indiana Bankruptcy Avoid Karoushi?
Filing bankruptcy is the first step in a three-step process, which is something I’ve been saying for more than twenty years to my bankruptcy clients and which now I say in my Indiana bankruptcy blogs. Step two is saving money, and step three is rebuilding credit. Oddly enough, stress relates to all three of these […]
Payday Loan Help Through Close Encounters Of The Right Kind
I’m just old enough to remember the 1977 science fiction movie “Close Encounters of the Third Kind”. In the film, an Indiana man’s life changes after he has an encounter with aliens in an unidentified flying object. When I think about the awful problems that often ensue when people embark on the payday loan “trip”, […]
Can Bankruptcy Provide Student Loan Debt Help?
It’s more than ironic – three of my four Indiana bankruptcy law offices are in big college towns (Indianapolis, Bloomington, and Anderson), and yet student loan debt, a rapidly growing problem, is mostly non-dischargeable in bankruptcy! What I’ve been finding is that, while student loans seem to be the main factor driving younger and younger […]
Indiana Bankruptcy Blog Reader’s Question: Do I Lose My Frequent Flyer Points In Personal Bankruptcy?
One reader of my Indiana bankruptcy blog posed an interesting question, and the answer might be of help to other readers, I thought: How are frequent flyer points treated when the owner files personal bankruptcy? In earlier bankruptcy blog posts (see “Airline Ticket Holders Are Unsecured Creditors In Bankruptcy”), I talked about the opposite situation, […]
Bankruptcy Prevention Might Do Double Duty As Divorce Prevention
Back in April, I quoted a U.S. News and World Report article that advised “Mad about money? Avoid a Fight”. I explained that every day, in my bankruptcy law offices around Indiana, my colleagues and I deal with couples who are dealing with each other around money issues. And, after almost twenty-five years of this, I […]
Indiana Bankruptcy Attorney Knows Banks Are One For Three On Mortgage Modification
Mortgage modification has been a topic in some of my recent Indiana bankruptcy blog posts. As part of my bankruptcy services in Indiana, I’m quote often called upon to assist with mortgage modifications and negotiations with lenders. This process can be quite frustrating for all concerned, because, as I pointed out in former blogs, a […]
Anderson, Indiana Bankruptcy Attorney Notes Good News And Bad News For Autos
Yesterday I talked about Anderson car dealers and parts dealers, and how the government’s “Cash For Clunkers” program might have both good and harmful effects on businesses related to the automotive industry. Throughout the state of Indiana, I’ve been tracking news, good as well as not-so-good, about automobiles and automobile owners. One very positive piece of […]