Benenati Blog

Changes Coming to Student Loan Bankruptcy Rules

Changes Coming to Student Loan Bankruptcy Rules The Department of Education is reviewing the current ‘undue hardship’ standard when it comes to discharging student loan debt in bankruptcy. Judges generally require borrowers prove that they cannot maintain a “minimal standard of living” while repaying the loans, that their circumstances will not change for a significant...

Read More

The Dangers of Filing for Bankruptcy Pro Se

The Dangers of Filing for Bankruptcy Pro Se When someone is facing the possibility of bankruptcy, he or she is arguably already with limited financial resources. It is for this reason that many individuals filing for bankruptcy decide to file without the assistance of an attorney, also known as filing bankruptcy pro se. While filing pro...

Read More

My Personal Bankruptcy Story

My bankruptcy trade line just came off my credit report. Ten years this bankruptcy has been on my credit report and now I reflect on my life in these last ten years. In June of 2008, my back was against the wall and I was trying to climb out of the abyss. I had just...

Read More

Bankruptcy Is Trending

Bankruptcy. You hear the word more and more these days. Whether it is Puerto Rico flirting with filing bankruptcy in an effort to reorganize their debts or the rapper 50 Cent filing bankruptcy to protect himself from creditors – bankruptcy is in. And you know what is out? Or at least slowly evaporating? The stigma...

Read More

Don’t Be A Fool

When you file bankruptcy, our office attends a Meeting of Creditors (341 Meeting) with you. We never hire outside counsel or a cover lawyer to attend. We appear with you. It is scheduled about 30 days after you file your bankruptcy. The hearing itself only lasts a couple of minutes. As each year that bankruptcy...

Read More

Senior Citizens Filing Bankruptcy

It is a common occurrence in my practice. An elderly couple, overwhelmed by credit card debt and dependent on a set income, ask to meet with me for a free bankruptcy consultation. For them, there is no light at the end of their dark, financial tunnel. They feel as if time is running out. Bankruptcy....

Read More

Student Loan Nightmare

Many of my clients are having problems paying their student loans. And for good reason – the proliferation of so called “schools” have dotted the landscape. If you are home during the day nearly every TV commercial is from some for profit school trying to earn government financial aid money AT YOUR EXPENSE. Most of...

Read More

Your Image Information and Reputation on the Internet

Google recently changed their algorithm to penalize mug shot websites.  An interesting article by Moses and Rooth who are criminal attorneys in Orlando explained how these websites were affecting their clients.  The article explained how these companies were charging money to remove your name from the site even if the cases were dismissed. We have encountered similar websites in...

Read More

Bankruptcy Shouldn’t Make You Less Creditworthy

The Federal Housing Administration will allow a bankruptcy debtor to get a mortgage backed by FHA in as little as one year after bankruptcy – if certain minimal criteria are met. The one year timeframe also applies to short sales and even foreclosures This is yet another acknowledgment that the “stigma” of bankruptcy has been replaced by...

Read More

We remain OPEN, fully operational, and able to serve you remotely from the comfort of your home.

// Spanish WPML custom code // Just for debug, you can remove this