Many Americans have been hit hard with debt and have turned to credit cards to bridge the gaps. However, now their debts are rising as their credit card payments become overwhelming.
If your credit card debt or other debt is causing financial issues for you, contact us today! Boleman Law Firm will help you!
Many Americans who turned to buy now, pay later payment plans to fund last year’s holiday shopping and avoid credit card debt are now having trouble paying off those bills.
If buy now, pay later, payments are causing financial issues for you, contact us today! Boleman Law Firm will help you!
Credit card delinquencies surged more than 50% in 2023 as total consumer debt swelled to $17.5 trillion, the New York Federal Reserve reported on February 6th, 2024.
Debt that has transitioned into “serious delinquency,” or 90 days or more past due, increased across multiple categories during the year, but none more so than credit cards.
Are you struggling with credit card debt? Call Boleman Law Firm, we will help you!
Americans now owe a collective $1.13 trillion on their credit cards, according to a new report on household debt from the Federal Reserve Bank of New York. Are you struggling with credit card debt? Call Boleman Law Firm, we will help you!
The New York Federal Reserve reported in its latest quarterly Household Debt and Credit Report that total household debt climbed by $212 billion in the fourth quarter of 2023 to $17.5 trillion. Amid the rise in debt, delinquency rates and the transition into troubled status were both higher.
The New York Fed noted that ‘serious credit card delinquencies increased across all age groups, notably with younger borrowers surpassing pre-pandemic levels.
Are you worried about your credit card debt? Call Boleman Law Firm, we will help you!
Boleman Law Firm, P.C., Virginia’s largest consumer bankruptcy law firm and Consumer Litigation Associates, P.C. (CLA), a nationally recognized leader in consumer advocacy based in Virginia, announced today a strategic partnership to improve the protection of consumer rights for Virginians who are going through or have gone through bankruptcy.
Mortgage relief funds are quickly depleting, and the Virginia Mortgage Relief Fund has announced that they will no longer accept applications beginning October 1. If you are unable to get assistance, and have arrears on your mortgage, please call Boleman Law Firm. We will help you!
Boleman Law Firm is proud to announce that John Bollinger and Patrick Keith have been recognized in the 2024 The Best Lawyers in America list.
Boleman Law Firm is proud to announce that Amanda DeBerry Koehn has been recognized in the 2024 edition of Best Lawyers: Ones to Watch in America.
Boleman Law Firm shareholder Amanda DeBerry Koehn will be speaking at the annual National Association of Chapter 13 Trustees conference in Austin, Texas. Her panels will address mortgage issues and changes to income and assets in Chapter 13 cases.
As foreclosure rates rise, many are feeling the pressure. If you are behind on your mortgage, you don’t need to be afraid of losing your home. Boleman will help you!
Consumer debts, as well as interest rates, continue to rise. Are you feeling the pinch of increasing debt, as well as costs of living? Call Boleman Law Firm, we will help you!
Credit card debt has hit an all-time high. Are you one of many Americans who have had trouble paying down their credit card bill?
You don’t have to continue to feel stressed, Boleman Law will help you!
The Supreme Court is expected to rule soon on student loan forgiveness, triggering the countdown to student loan repayments restarting after years of being on pause. Are you able to begin repayments on your student loans, or is your budget too tight with other obligations?
Recently, identity thieves were able to exploit a weakness in Experian’s security on their website. This oversight allowed identity thieves to access an unknown amount of credit reports for consumers.
News has swirled recently regarding student loans, from extensions on the payment pause, to possible routes to erase part or all of an individual’s student loan obligations.
Surging electricity prices spur the worst-ever crisis in late utility payments.
Are you behind on your power bill, or has your utility service been shut off? Bills for essential services like utilities can skyrocket, leaving you feeling like you’ll never catch up.
Everyone should be aware of potential student loan scams. There are predatory companies and individuals seeking to capitalize on confusion over student loan repayment and forgiveness statuses. Always contact your lender directly and avoid providing personal information to unknown callers.
Millions of folks are finding themselves stretched thin trying to pay their regular living expenses and meet their minimum monthly loan and credit card bills.
Recently, Boleman Law’s Matt Hahne appeared on 3WKTR’s Coast Live segment to talk about how bankruptcy can relieve financial stress.
As state relief programs expire and landlords are starting eviction processes, please be aware of your rights and options as a renter. You may have the option to pay back your rent arrears through a bankruptcy case and enable you to stay in your home.
Medical debt can be one of the largest and most unexpected kinds of debt. Many people don’t know that medical debt is dischargeable in bankruptcy. Boleman Law will help you get out of the “medical debt doom loop” and get back on your feet.
Contact us today for a free consultation.
Predicted returns to pre-pandemic collections are rapidly becoming reality. Foreclosures have spiked, as have many other forms of collection like garnishments, evictions, and repossessions. Boleman Law will help you with these financial problems.
Recently, Boleman Law’s Kathryn Shaw appeared on 3WKTR’s Coast Live segment to talk about various options available to homeowners who are struggling to pay their mortgage as COVID19 forbearance restrictions end.
Consumers are paying more for everything, including the essentials, across the US. As prices rise and the median income falls, families will be greatly affected by mounting debt.
If you feel like you are drowning in debt, or your bills are piling up, you are not alone. Boleman Law will help you. We have legal solutions for your financial problems.
Boleman Law attorney Matt Hahne recently appeared on 3WTKR Coast Live to talk about debt collections, garnishments and bankruptcy.
With the increase in vaccinations and the reduction of new cases of COVID-19 in Virginia and across the country, many of the existing COVID-related restrictions are now set to expire soon. These include various financial protections that are ending without any plans for renewal.
Recently, Boleman Law’s Matt Hahne appeared on 3WKTR’s Coast Live segment to talk about the importance of understanding the foreclosure moratorium and its expiration date.
Boleman Law is proud to announce that Super Lawyers has recognized one of our excellent young lawyers within their 2021-2022 Rising Stars list.
Recently, Boleman Law’s Matt Hahne appeared on 3WKTR’s Coast Live segment to talk about the importance of contacting a bankruptcy lawyer early.
Boleman Law is aware of the challenging times many find themselves in due to COVID-19 and unemployment rates. As eviction memorandums across the country expire, many may find themselves in the process of losing their residence.
Boleman Law Firm is proud to announce that Amanda DeBerry Koehn has been named Best Lawyers Ones To Watch by Best Lawyers in America.
Boleman Law Firm is proud to announce that Rusty Boleman, John Bollinger, Patrick Keith and Barry Spear have been named Best Lawyers in America.
On June 22nd, the Virginia Supreme Court declined to renew an emergency order that suspended eviction proceedings in the Commonwealth. Per the Supreme Court decision, Virginia courts may resume eviction hearings related to failure to pay rent on Monday, June 29th. Governor Ralph Northam has announced that the state will roll out a rent relief program however no details have been announced and advocates fear emergency aid will arrive too little, too late.
Recently, Boleman Law attorney, Matt Hahne appeared on Coast Live to talk about the options people have when it comes to financial issues and the reopening of the economy after COVID19 closures. Banks will resume starting foreclosures and repossession of vehicles.
Boleman Law is proud to announce the recognition of one, excellent young lawyers by Superlawyers. Amanda DeBerry Koehn was named 2020-2021 Rising Stars.
In April, Boleman Law attorney, Matt Hahne appeared on the Hampton Roads Show to talk about financial health during a crisis. During his appearance, Matt Hahne highlighted the two trillion dollars economic stimulus package released by the U.S. federal government.
Boleman Law attorney Matt Hahne spoke to 13News Now Connect about the financial strain COVID-19 has put on people’s lives and how creditor’s collection efforts have not stopped. Hahne advises calling a bankruptcy attorney right away before liquidating any assets or getting into more debt to counteract creditors.
Boleman Law attorney, Matt Hahne, recently appeared on Wavy10 News to discuss his belief that a rise in personal bankruptcy filings will happen in the fourth quarter of 2020. Hahne is looking to history for an indication of what’s to come. The American Bankruptcy Institute reports while personal bankruptcies are down, Chapter 11 filings — that is, big businesses bankruptcy filings — increased 26 percent last month.
Boleman Law is proud to announce that our President, Laura Alridge has been named among the 2020 Influential Women of Law by Virginia Lawyers Weekly.
What does the March 2019 decision from the Fourth Circuit Court of Appeals in Hulburt v. Black mean for you? How does it affect your Chapter 13 bankruptcy? Find out what Kathryne Shaw has to say!
Boleman attorney Matt Hahne appeared on Coast Live to discuss the dangers of filing for bankruptcy without appropriate counsel, what is called a pro se filling. Further, Hahne talks about the difference a bankruptcy lawyer makes when filing for bankruptcy and protecting you from breaking any federal laws.
Boleman attorney Matt Hahne addresses attendees of the 2019 Group Legal Services Association Spring Conference in Tampa, FL. Matt is the President of the GLSA, which improves access to affordable legal services by creating support for its legal services plan industry members.
Boleman Law is proud to announce the recognition of one, excellent young lawyer by Superlawyers. Amanda DeBerry Koehn was named 2019 Rising Stars.
The Virginia General Assembly recently voted to end the Commonwealth’s policy of suspending drivers licenses for unpaid court fines and fees. This new policy will go into effect on July 1st and will be retroactive for approximately 627,000 Virginians. Suspended licenses due to unpaid court fines and fees are something that we see very regularly so this policy will have a big impact on our current and future clients.
Boleman Law is proud of its representation by John Bollinger in this year’s American Bankruptcy Institute’s Winter Leadership Conference in Scottsdale, Arizona, on Friday, December 7, 2018.
Boleman attorney Matthew Hahne appeared on Coast Live to discuss the dangers of DIY bankruptcies, also known as pro se filing of bankruptcy. Learn more about the challenges and failure rates of pro se bankruptcy filings.
(Richmond, VA – 09-24-2018) Boleman Law Firm, P.C. is pleased to announce that Amanda DeBerry Koehn has become the firm’s newest shareholder.
We are proud to announce that Patrick T. Keith has been named again in this year’s Best Lawyers in America.
Tolls in Virginia can build up and interfere with your life and threaten your vehicle.
Since 1991 Boleman Law Firm has helped over 106,000 Virginians regain their financial health. They help people with financial problems such as vehicle repossession, job loss, home foreclosures, credit card debt and payday or title loans.
Married couples frequently file a bankruptcy case together in what is called a joint case. The Chapter 13 term lasts three to five years. Sometimes the couple’s relationship falls apart during that term. This article discusses three options that an attorney would discuss with the couple.
In each of three separate Chapter 13 bankruptcy cases co-counseled by Boleman Law Firm, P.C., Consumer Litigation Associates, and the Law Offices of Dale W. Pittman, the Bankruptcy Court ordered NetCredit to pay $100,000 in punitive damages for egregious violations of the automatic stay. Each $100,000 award included payment of $37,500.00 to National Consumer Law Center (NCLC) and $37,500.00 to Legal Services Corporation of Virginia.
What is the Virginia Military and Veteran Legal Resource Guide and how can it help you?
What are the concerns after the Supreme Court’s ruling in Henson v. Santander Consumer? Could it affect you? Find out what John Bollinger has to say here!
Many clients wonder what will happen if their current vehicle breaks down or is a total loss during the term of their Chapter 13 Plan. While it is preferable to pay cash for a new vehicle, expenses in our lives do not always allow for this. The bankruptcy does not prohibit you from incurring debt but the process does require patience. We will discuss all your options with you prior to you making a decision.
Credit reporting can be confusing. Quite often, what seems like “common knowledge” or “common sense” is, well, wrong. Many of the truths behind credit reporting may surprise you.
One of the biggest myths I hear from people regarding bankruptcy is that they cannot file bankruptcy because the Trustee will take their home.
Tax season is upon us and Matthew Hahne sits down with Coast Live to talk about this stressful time. Could bankruptcy be an option?
Since 1991 Boleman Law Firm has helped over 106,000 Virginians regain their financial health. They help people with financial problems such as vehicle repossession, job loss, home foreclosures, credit card debt and payday or title loans.
Since 1991 Boleman Law Firm has helped over 106,000 Virginians regain their financial health. They help people with financial problems such as vehicle repossession, job loss, home foreclosures, credit card debt and payday or title loans.
Boleman Law Firm, P.C., is proud to announce a Tidewater Bankruptcy Bar Association election.
Boleman Law Firm, P.C., is proud to announce Amanda DeBerry Koehn has been selected as the 2017 Young Lawyer of the Year by the Richmond Bar Association.
All people experience “bumps in the road” of life, such as job loss, illness, or death. If you experience such an event during your Chapter 13 bankruptcy, you should first inform your attorney. Every person’s circumstances are different, and your attorney will help you choose the option that best fits with your case and your goals.
By Amanda DeBerry Koehn and Angela Haen ¹
From a debtor’s perspective, filing bankruptcy is an expensive proposition. In addition to the court filing fee and mandatory credit counseling course, there is the cost of an attorney to represent them throughout the process.
Folks often schedule a free consultation with us on the recommendation of their divorce attorney. Oftentimes, financial difficulties and divorce go hand-in-hand.
Boleman Law Firm, P.C., is proud to announce a number of association elections.
We have been privileged to help thousands of Virginians regain their financial health. But the most consistent regret these folks express to us is that they wish they had come to us for help sooner.
Our clients are often concerned about renting an apartment after their bankruptcy case is filed.
Deciding which type of bankruptcy to file can be complicated. It is important to understand how the different types of bankruptcy will address the debts that you have.
Matt Hahne has been elected a Director of Group Legal Services Association (GLSA) a nonprofit, ABA-affiliated organization, located in Chicago, Illinois.
Rule 3002.1: A Case Odyssey ¹
Federal Rule of Bankruptcy Procedure 3002.1 was intended to address communication problems regarding mortgage companies and Chapter 13 debtors, and the rule furthers its goal of increased transparency in two ways.
Negotiating with your lender may help you to avoid foreclosure on your home. If negotiating is not an option, filing bankruptcy may be the next option before foreclosure.
Filing bankruptcy is not the end for your bank account; there are many options still available to you.
Make an appointment today for a free consultation with a Boleman Law attorney.
Supreme Court ruling still allows stripping underwater second mortgage in Chapter 13 bankruptcy.
Boleman Law website launch featured in Richmond Times-Dispatch.
If you fail to pay a secured creditor*, repossession is a legal process that allows that creditor to take back or repossess the property (collateral) that secures the debt.
Though we have not met, here is what I know. You’ve worked hard, paid your bills and built up your credit rating – and then something bad happened.
If you do not complete the Debtor’s Education Course and obtain a Pre-Discharge Education certificate your bankruptcy discharge may be denied by the court.
Financial wellness programs boost productivity. Workers under financial strain are more likely to be distracted and absent from work.
The Consumer Financial Protection Bureau (CFPB) is looking into payday lending and in the next 12 to 18 months may issue guidance or propose regulations for the $46 billion business. At a CFPB hearing in Richmond last week speakers for and against payday loans were heard. Read more …http://www.richmond.com/business/sponsored-content/article_c2fa4046-d884-11e4-a4fd-5b33b58a0231.html
Credit reporting agencies have agreed to be more conscientious in fixing credit report errors and to wait longer before including unpaid medical bills in reports and credit scores.
According to Virginia Beach, over 6,000 City households are “unbanked” – they do not have a bank account.
Croatia cancels debts for 60,000 citizens. But don’t expect the same in the U.S.
Choosing an experienced bankruptcy lawyer is essential to getting a fresh financial start. Here are some tips to make that first meeting more productive.
The IRS can pounce without warning if you haven’t filed tax returns.
Free Tax Preparation & Earned Income Tax Credit (EITC) information
If paying for a bankruptcy has been preventing you from moving ahead, we can discuss options to make it affordable.
Friday, January 30th is Earned Income Tax Credit Awareness Day. Virginia government, wonderful community groups and businesses across the Commonwealth have joined with the IRS in promoting the initiative.
Bankruptcy is the only sure way to stop foreclosure or vehicle repossession in Virginia, but you must act immediately. Know you rights and how to use them.
Will bankruptcy ruin my credit? By the time you’re considering bankruptcy, your credit is already in ruins. Bankruptcy will help you recover. Learn the real story behind other bankruptcy myths.
Home foreclosure can be stopped, but you must talk to an experienced attorney immediately after receiving the notice. At Boleman Law the consultation with an attorney is free.
Since 1991 Boleman Law Firm has helped over 106,000 Virginians regain their financial health. They help people with financial problems such as vehicle repossession, job loss, home foreclosures, credit card debt and payday or title loans.
Since 1991 Boleman Law Firm has helped over 106,000 Virginians regain their financial health. They help people with financial problems such as vehicle repossession, job loss, home foreclosures, credit card debt and payday or title loans.
Boleman Law attorneys and professionals deliver free, entertaining, life changing personal finance management classes and seminars through a wide variety of community organizations.
Many financial scams advertise on TV or by mail as legitimate businesses who want to help. Learn how to tell which ones are real and which ones are scams.
Vehicle repossession can be stopped, but you must talk with an experienced attorney immediately. Boleman Law offers a free consultation with an attorney.
Our offices have been abuzz over the past couple of weeks about the recent Pew Charitable Trust report on online payday lending. Among the highlights: 650% APR is typical for lump sum online payday loans.
Tax season is special. Few people enjoy it, but most somehow make the effort to file. For some the incentive is a refund. For those who have to pay, the incentive may be to prevent interest charges and fines.
In America today, 28% of us have more in credit card debt than we have in savings. That’s up 5% in the past two years. Another 17% of us don’t have any credit card debt, but we don’t have any emergency savings either.
It’s that time of the year again when the airwaves are humming with offers of lump sum payments on structured settlements, pennies-on-the-dollar tax payments, debt consolidation and instant cash for car titles. No credit check! Get cash with an easy payday loan.
Watching all the glitz and glamor of Academy Awards recently I was struck by the thought that celebrities may be much like many Virginians. They, too, have run into overwhelming debt and filed for personal bankruptcy.
The recent announcement from Family Dollar highlights the growing income gap between consumers who are regaining ground after the depression and those who are still stuck.
I was watching TV a few days ago when I saw an ad that raised my blood pressure to the boiling point. It showed “Mr. and Mrs. Santa” discussing how to pay for Christmas. Mrs. Santa, in a moment of weakness, recommends taking out a title loan on their reindeer sleigh. They could get up to $5,000, she notes, without a credit check.
“In the affordable markets the millennials are already buying in huge numbers.” So says Jonathan Smoke, chief economist at realtor.com speaking at the National Association of Realtors last week. Even with student loan debt and a below par job market, he believes that these 18 to 35-year-olds are the home buyers of the future.
Twenty-three years ago my wife, Gayle, and I started Boleman Law Firm in a tiny Richmond office. We never dreamed of a future where Boleman Law would be the largest bankruptcy law firm in Virginia. Nor that we’d be privileged to help more than 106,000 Virginians regain their financial health.
Apple and at least one other vendor are looking to get rid of credit cards. Wave your iPhone over the reader and funds will be instantly deducted from your account to pay for your purchase. But let’s be sensible, there will also be fees just like credit cards.
For many of us, January is the time for our annual renewal. We acknowledge that 2014 is over, along with the problems and joys, and that 2015 is here, bright and shiny. It’s time to get healthy and get a fresh start.
The mortgage payment was OK when you bought the house. But things have changed. Job loss. Medical bills. You’ve missed some payments. Fortunately, there are solutions.
This is story of Rusty Boleman with Boleman Law, largest consumer bankruptcy law firm in Virginia.
Learn why you need an expert in Bankruptcy Law to help with your financial situation.
Rusty Boleman, Virginia bankruptcy attorney, talks about how to stop repossession of your car.
Rusty Boleman, Virginia bankruptcy attorney, talks about how to prevent the foreclosure of your home.
Rusty Boleman, Virginia bankruptcy attorney, talks about how to recognize a financial scam that claims to help you with your finances.
Rusty Boleman of Boleman Law talks with Matt DiNardo of Showcase Richmond about repossession and financial issues and how home and car owners can avoid these problems.
Rusty Boleman, Virginia bankruptcy attorney, talks about the biggest causes of bankruptcy in the state and what you can do to help your situation.
Rusty Boleman speaks on Showcase Richmond about financial scams and how to avoid them when eliminating debt.
Rusty Boleman explains the correlation between modern bankruptcy law and teachings of the Old Testament.
“Successful” depends on your perspective, but an outcome that relieves overwhelming debt and gives people a financial – and emotional – fresh start should be considered successful.
Some people think that filing for bankruptcy means that you’ll lose everything – even the shirt on your back. But that’s not the case. An experienced attorney will help protect you while maintaining your rights.
Only a few short years ago, people thought of their family home as an investment that would pay valuable dividends in the future. How times have changed!
Choosing a skilled, experienced bankruptcy lawyer is essential to getting a fresh financial start.
In 1991 Gayle and I started a bankruptcy law firm in Richmond. We had one room. We couldn’t afford a desk. So we took off an inside door, laid it across two low file cabinets and made a desk that we shared.
Finding an expert bankruptcy specialist can make a huge difference when you’re working to regain your financial health.
Many people have group legal insurance or group legal discount plans through their work, union or other organization. Boleman Law is an approved legal network provider for most plans.
If you’re worried about your financial situation, don’t be embarrassed. You’re not alone. There are legal solutions. We will help you.
Overwhelming debt? Time for a fresh start? There are two options for filing personal bankruptcy in Virginia: Chapter 7 or Chapter 13. During your free consultation our attorneys can help you decide which option is best for your situation.
For people facing overwhelming debt, just answering the phone or opening the mail can be stressful.
An important step in taking control of your personal finances is to create a realistic budget and stick to it.
Bankruptcy is a mystery to many people and plenty of myths have grown up around the legal process. Here are some common misunderstandings along with the facts.
Military personnel and other government employees fear that filing personal bankruptcy, may negatively impact their security clearance and their jobs (even when instructed to do so by a superior to keep their security clearance). Here are some clearance investigation guidelines.
If you’re like most people, you live from paycheck to paycheck. But what happens if your paycheck is suddenly cut by 20% or disappears altogether? If you see sequestration or work cutbacks in your future, here are 10 things you can do to do to get ready.
People with overwhelming debt are often faced with legal consequences. Bankruptcy is legal protection that helps them get a fresh financial start.
©2024 Boleman Law Firm, P.C.