Bankruptcy
Recent Changes to Student Loans in Bankruptcy
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.
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Matt Hahne talks about how Bankruptcy can relieve Financial Stress on 3WTKR Coast Live
Recently, Boleman Law’s Matt Hahne appeared on 3WKTR’s Coast Live segment to talk about how bankruptcy can relieve financial stress.
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Eviction hearings will resume soon
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.
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Matt Hahne talks about financial options for individuals affected by COVID19 on Coast Live
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.
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Matt Hahne appears on Hampton Roads Show to talk about Financial Health
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.
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Matt Hahne talks about Options for People struggling with Debt during COVID-19
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.
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Matt Hahne discusses the Importance of Hiring an Expert Bankruptcy Lawyer on Coast Live
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.
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Boleman Attorney Matt Hahne addresses attendees at 2019 Group Legal Services Association Spring Conference
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.
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Amanda DeBerry Koehn Gives Presentation at Richmond Bar Association
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What Happens When a Married Couple Who Has Filed Chapter 13 Bankruptcy Separates?
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.
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Bankruptcy Court Slams NetCredit for Violating Debtors’ Rights
Bankruptcy Court: NetCredit’s conduct “constitutes a reckless disregard of [its] statutory duties in arrogant defiance of federal law.”
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.
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Virginia Military and Veteran Legal Resource Guide
What is the Virginia Military and Veteran Legal Resource Guide and how can it help you?
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John Bollinger Discusses Concerns for Future Debt Collection with ABI
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!
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What if I Need a New Car During my Chapter 13 Bankruptcy?
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.
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Surprising Information About Your Credit
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.
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Do you have equity in Real Estate? We will help 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.
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Matthew Hahne Talks Taxes on Coast Live
Tax season is upon us and Matthew Hahne sits down with Coast Live to talk about this stressful time. Could bankruptcy be an option?
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Don’t lose your valuable assets. Get help now!
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.
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Financial problems weighing you down?
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.
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Bankruptcy and Bumps in the Road of Life
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.
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Pro Se Debtors: Deficiencies, Inefficiencies, and Possible Solutions
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.
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Divorce and Bankruptcy: What are my options?
Folks often schedule a free consultation with us on the recommendation of their divorce attorney. Oftentimes, financial difficulties and divorce go hand-in-hand.
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Association Announcements
Boleman Law Firm, P.C., is proud to announce a number of association elections.
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Bankruptcy filers’ biggest regret: “I should have done this sooner”
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.
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Qualifying for an apartment while in bankruptcy
Our clients are often concerned about renting an apartment after their bankruptcy case is filed.
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Chapter Choice: Risk of incurring new debts after the filing of your bankruptcy.
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.
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When Things Don’t Go According to the Plan
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.
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Bankruptcy versus Foreclosure or Short Sale
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.
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Bank Accounts Following Bankruptcy Filing
Filing bankruptcy is not the end for your bank account; there are many options still available to you.
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Overwhelming Debt? Need Help?
Make an appointment today for a free consultation with a Boleman Law attorney.
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Negative impact from housing crash shifts to “interest only” home equity lines of credit
Homeowners who signed up for “interest only” lines of credit 10 to 15 years ago are starting to default as the principal payments kick in. Underwater mortgages are of particular concern to lenders.
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Second mortgage stripping still allowed in Chapter 13 bankruptcy
Supreme Court ruling still allows stripping underwater second mortgage in Chapter 13 bankruptcy.
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Bankruptcy & your government security clearance
Military and government personnel are concerned that filing bankruptcy may negatively impact their security clearance and their jobs — even when a superior instructs them to file. Here are some guidelines.
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New Boleman Law website informs and communicates
Boleman Law website launch featured in Richmond Times-Dispatch.
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The basics of repossession.
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.
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Do you need to file for bankruptcy?
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.
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Debtor’s Education Course is required to complete your bankruptcy.
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.
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Financial wellness programs boost workplace productivity.
Financial wellness programs boost productivity. Workers under financial strain are more likely to be distracted and absent from work.
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Payday loan business coming under close scrutiny by CFPB
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
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Credit Reporting Agencies Make Changes
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.
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Bank On of Virginia Beach changes financial behavior
According to Virginia Beach, over 6,000 City households are “unbanked” – they do not have a bank account.
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Croatia cancels the debts of 60,000 poor people.
Croatia cancels debts for 60,000 citizens. But don’t expect the same in the U.S.
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Six Tips for choosing a bankruptcy lawyer
Choosing an experienced bankruptcy lawyer is essential to getting a fresh financial start. Here are some tips to make that first meeting more productive.
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Get straight with the IRS now.
The IRS can pounce without warning if you haven’t filed tax returns.
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Important Tax Filing News
Free Tax Preparation & Earned Income Tax Credit (EITC) information
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Boleman Law Firm. We will help you.
If paying for a bankruptcy has been preventing you from moving ahead, we can discuss options to make it affordable.
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January 30th is EITC Awareness Day
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.
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Stop Vehicle Repo
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.
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Bankruptcy Myths Dismissed
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.
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Stop Home Foreclosure Immediately
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.
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Lift the burden of debt today and get your life back.
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.
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Losing sleep over your debts?
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.
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Community Outreach Programs from Boleman Law Firm.
Boleman Law attorneys and professionals deliver free, entertaining, life changing personal finance management classes and seminars through a wide variety of community organizations.
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Financial Scams: Don’t be a victim
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.
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Vehicle Repossession
Vehicle repossession can be stopped, but you must talk with an experienced attorney immediately. Boleman Law offers a free consultation with an attorney.
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Online payday lending is a growing concern.
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.
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Time to get straight with the IRS.
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.
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Over 25% of us aren’t ready for a financial emergency.
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.
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Money for nothing and your “checks” for free.*
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.
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Financial problems strike the rich and famous, too.
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.
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Many Virginians Still Struggling to Make Ends Meet.
The “dollar stores” are a good barometer of the economy.
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.
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Would Santa take out a title loan against his big red sleigh?
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.
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Experts differ on future impact by millennials on real estate.
“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.
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Our wish for you this Holiday Season.
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.
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Credit cards are convenient, but watch out for fees.
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.
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2015 could be the year for your fresh financial start.
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.
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Solutions for an overwhelming mortgage payment.
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.
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Rusty Boleman
This is story of Rusty Boleman with Boleman Law, largest consumer bankruptcy law firm in Virginia.
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Use a Bankruptcy Specialist
Learn why you need an expert in Bankruptcy Law to help with your financial situation.
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How to Stop Vehicle Repossession
Rusty Boleman, Virginia bankruptcy attorney, talks about how to stop repossession of your car.
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Stopping Foreclosure
Rusty Boleman, Virginia bankruptcy attorney, talks about how to prevent the foreclosure of your home.
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Don’t get scammed
Rusty Boleman, Virginia bankruptcy attorney, talks about how to recognize a financial scam that claims to help you with your finances.
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Stop Vehicle Repossession
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.
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Biggest Causes of Bankruptcy
Rusty Boleman, Virginia bankruptcy attorney, talks about the biggest causes of bankruptcy in the state and what you can do to help your situation.
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Eliminating Debt and Avoiding Scams
Rusty Boleman speaks on Showcase Richmond about financial scams and how to avoid them when eliminating debt.
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Bankruptcy and the Bible
Rusty Boleman explains the correlation between modern bankruptcy law and teachings of the Old Testament.
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Successful outcomes through bankruptcy.
“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.
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You can keep the shirt on your back.
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.
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Underwater homes: How to keep your feet dry.
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!
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Six tips on interviewing a bankruptcy lawyer.
Choosing a skilled, experienced bankruptcy lawyer is essential to getting a fresh financial start.
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The law firm that started on a door.
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.
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How to choose a bankruptcy lawyer.
Finding an expert bankruptcy specialist can make a huge difference when you’re working to regain your financial health.
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We accept Group Legal Insurance plans.
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.
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Financial problems can happen to anyone.
If you’re worried about your financial situation, don’t be embarrassed. You’re not alone. There are legal solutions. We will help you.
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Differences: Chapter 7 and Chapter 13.
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.
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Stopping harassing debt collection calls.
For people facing overwhelming debt, just answering the phone or opening the mail can be stressful.
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Creating a personal budget.
An important step in taking control of your personal finances is to create a realistic budget and stick to it.
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Bankruptcy myths.
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.
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Bankruptcy and your government security clearance.
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.
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Preparing for cutbacks, layoffs and sequestration.
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.
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Bankruptcy stops: foreclosure, repossession, garnishment, harassing calls.
People with overwhelming debt are often faced with legal consequences. Bankruptcy is legal protection that helps them get a fresh financial start.
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