Hackett Law Firm LLC

08/14/2025

Questions and Myths regarding Bankruptcy bankrhttps://www.pacificbankruptcy.com/articles/top-15-bankruptcy-questions-myths/

Top 15 myths about bankruptcy. Bankruptcy questions answered amd myths revealed.

11/17/2024

Beware of a new scam targeting Chapter 13 filers.

The USTP is warning consumer debtors of a scam operator calling itself the “Bankruptcy Fraud Watchdog Group,” which sends letters falsely accusing debtors of failing to disclose assets in their bankruptcy cases and threatening “legal consequences” such as criminal prosecution unless debtors ...

09/21/2022

https://studentaid.gov/debt-relief-announcement/one-time-cancellation

Have questions about the governments Covid student loan forgiveness this site will answer your questions and guide you through the process.

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03/03/2022

How Does a Bankruptcy Stop an Eviction?

Filing a bankruptcy case creates an automatic stay at the moment your case is filed with the court. The automatic stay stops creditors from pursuing collection actions against you as soon as your bankruptcy is filed. This is particularly helpful if you file before the landlord begins an eviction process or so long as it is before the landlord receives a judgment in their favor.

The automatic stay attaches immediately whether you file a Chapter 7 or a Chapter 13 bankruptcy. Your next steps, however, can differ significantly based on what type of case you file. In a Chapter 13, you can account for missed rent payments in the Chapter 13 plan. This will allow you to spread the default over the life of the plan (3 to 5 years) so long as you are otherwise maintaining rent payments going forward and the creditor (landlord in this case) does not object. Stopping an eviction for an extended period of time is much less likely in a Chapter 7 case. A Chapter 7 case is a liquidation where you walk away from all of your debts and get a fresh start. Generally, if you are behind on rent payments and file a Chapter 7, the assumption would be that you intend to walk away from that debt, which would entail moving to a new residence. The default amount that you owe is dischargeable.

12/02/2021

An oldie but a goodie.

02/24/2021

During the COVID pandemic, a lot of people have fallen behind on their mortgages. Unfortunately, scammers are already taking advantage of people through mortgage relief scams.

Here are some red flags that can help you spot and avoid mortgage relief scams:
• You’re asked to pay up front for help.
• The company guarantees it will get the terms of your mortgage changed.
• The company guarantees you won’t lose your home.
• You’re instructed to send your payment to someone other than your mortgage company or servicer.
• You’re told to stop paying your mortgage.
• The company says they’re affiliated with the government or uses a logo that looks like a government seal but is slightly different.

If you see one of these warning signs, take your business elsewhere.

04/18/2020

Be aware of scam text messages about COVID-19 tests. If you receive a text like the one pictured, DO NOT click the links. It is not a message from an official agency.

While we haven't received reports of this happening in our region, it's always good to stay alert!