Author: Justin Harelik Archive
Can Bankruptcy Wipe Out All Your Debts?
Dealing with an overwhelming amount of debt can feel like a never-ending maze. At Westgate Law, we often encounter clients submerged in various types of debts and wondering if bankruptcy could be a lifeline. Robert, one of our readers, shares his concern with us: “I have debt in the form ...
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What to Do About Your Joint Mortgage After Divorce?
Divorce brings a multitude of changes and challenges, one of which involves dealing with shared assets, like a family home. Recently, Sheila, a reader, brought up a similar query: “If divorced and my ex-husband is on the deed to the house, I am unable to refinance my home, which was ...
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Can Missing Mortgage Payments Post-Bankruptcy Help You Negotiate a Better Rate?
Recently, we received a very tough and perplexing query. The specifics revolve around the modification of interest rates. The situation is prevalent and the writer’s looking to settle it in their own ways. We cannot provide a definitive answer, but we can try and provide some insights to clarify the ...
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My House Is In Foreclosure. What Are My Best Options?
“My house is in foreclosure. I’m considering 3 options: Short sale, deed in lieu of foreclosure and last bankruptcy chapter 7. What are the pros & cons with respect to this kind of situation?” – Dan Facing the prospect of losing your home? It is a challenging experience, and no ...
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How to Tackle a Bank Levy? Here Are Your Legal Options
“I went to my bank today, and the entire balance in my account was wiped out. To the last penny! I found out it was from a judgment that a creditor had against me. It was from a loan that I had years ago. They never even notified me, yet ...
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Can a Lender Foreclose on Your Home During Bankruptcy?
Bankruptcy can be a challenging hurdle. Understanding what can and cannot happen during this period is vital. One commonly asked question during this period is, “Can a lender ask for relief and legally foreclose on my home during a Chapter 7 bankruptcy proceeding? Can I get my house back?” Here’s ...
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Facing Financial Barriers in Education? Here’s How Can You Overcome Them
We always get queries from students experiencing a daunting dilemma keeping them from achieving their dreams: getting into their dream college but lacking the necessary funds. There can be several barriers to education, and financial hurdles are one of them. So, what should you do when your dreams clash with ...
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What Happens When You Fall Behind on Mortgage and Property Taxes in Chapter 13?
Recently, Mike, a visitor on our website, sent us a query that might resonate with many facing challenges during Chapter 13 bankruptcy. Mike and his family are three years into their Chapter 13 plan. They’ve encountered difficulties with mortgage and property taxes. Mike writes, “We are not sure what to ...
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Should You Opt for a 3-Year Payback in Bankruptcy for Quicker Recovery?
When faced with the daunting possibility of bankruptcy, understanding your choices is crucial. It’s a crossroads where financial realities meet legal obligations. Thus, making the right decisions can significantly impact your future. One of our readers sent in their queries inquiring about a similar instance. Harriet writes… “Is it better ...
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How to Manage Multiple Debts?
At Westgate Law, we keep receiving queries from people struggling to manage their debts. They’re all searching for solutions and look to us in times of need. Recently, we received a thought-provoking query from Mary, grappling with a complex debt situation. Her scenario is not uncommon; thus, we shed more light ...
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