By Michael D. Pinsky | Published May 14, 2019 | Posted in Uncategorized | Tagged Tags: chapter 7, CMI, current monthly income, means test, median income, qualifying for chapter 7, what is the means test, who can file chapter 7 | Comments Off on What is the means test, and how would it affect me?
I’m Getting Divorced. Should We File Bankruptcy Together?
Many couples contemplating divorce or in the process of getting divorced are saddled with debt and want to begin their new lives with a fresh start. Bankruptcy is frequently a part of the ‘starting over’ process. Married partners often carry joint debt, from credit cards to personal loans, car loan and mortgages. Does it make Read More
Read MoreThe Credit Card Collectors Keep Calling – What Should I Do?
This question comes up a lot. Direct collection calls; robocalls, all day long starting in the early morning. I owe the money, but I can’t pay the credit cards and also pay my car loan, my mortgage. I don’t know what to tell them . . . First things first. Never pay a past due Read More
Read MoreParalysis: The Cost to You of Doing Nothing About Debt
The bills come in, and you can’t bear to see them. They end up in the trash. Your overtime was cut a few months ago, and that second job hasn’t materialized yet. But its okay, things will work out. You are sure that the answer is right around the corner. You keep telling yourself that, Read More
Read MoreWhy Choose Me to Represent You?
The short answer is that I care. You are not a file, you are a human being with hopes and dreams, joys and fears, and this bankruptcy thing scares you just about as much as anything you have ever encountered. I have practiced bankruptcy law for over 30 years, representing banks, Freddie Mac, real estate Read More
Read MoreBut I Was Taught To Pay My Bills
So many people feel shame when faced with bills that they cannot pay. That shame is the result of what we were told as children and young adults. Be responsible, live within your means, pull yourself up by your bootstraps. Self-reliance is so important to many of us, and when we can’t get out of Read More
Read MoreNobody Wants to see the Dentist or Talk to a Bankruptcy Lawyer
I understand. Contemplating bankruptcy is like contemplating a root canal. Who wants to do that? And just as with the root canal, waiting to learn your rights in bankruptcy makes everything more painful. Be smart; deal with the problem sooner rather than later. Procrastinating in the face of overwhelming debt can be really expensive. So Read More
Read MoreBe Skeptical of Debt Settlement Companies
On cable TV, you may have seen a well-dressed actor explain that if you have more than $10,000 in debt, you can settle that debt for a fraction of what you owe. You don’t need to file bankruptcy, he says. What that actor is not telling you is that a large percentage of the people Read More
Read More
-
5.0/5.0Mike Pinsky was there for me throughout my case from start to finish. He always made himself available to discuss my questions and/or concerns and made the daunting task of filing for bankruptcy as simple as possible. I highly recommend his service...
-
5.0/5.0
Mike Pinsky is very professional and knowledgeable. He respond promptly on any questions and concerns we had. Very pleasant and confident in handling our case. He was very assuring and made our life stress free. highly recommended.
-
5.0/5.0
Michael Pinsky is an attorney that is reliable. He was always available to respond to my inquiries. He helped me to resolve an issue that was ongoing for close to 8 years in less than 3yrs and the results were very favorable. Thank you Mike for your ...
-
5.0/5.0
Mr. Pinsky helped me through one of the most challenging times in my life. When I felt like the walls were caving in on me, Mr. Pinsky helped me to understand that there was a way out. He was thorough in his explanation, patient, confident, thoughtfu...
-
5.0/5.0
I highly recommend Mr. Pinksy for Bankruptcy process. He was awesome, soft spoken, confident, thorough, and answered me within the hour when I called or emailed. When I felt terrified, he calmed my nerves. He made the process more dignified than I...
