Law Offices of Bruce R. Epstein

Law Offices of Bruce R. Epstein Attorney Epstein relies on years of experience to help you every step of the way. There are numerous advantages to Chapter 7 or Chapter 13 bankruptcy.

Unlike credit card, medical and other consumer debts, student loan borrowers must show that paying off the debt would ca...
12/02/2022

Unlike credit card, medical and other consumer debts, student loan borrowers must show that paying off the debt would cause them “undue hardship” to have it discharged in bankruptcy. Removing that legal requirement would require an act of Congress. But new federal guidance is meant to simplify the process of showing undue hardship and make it easier for the government to recommend to the court that the debt be discharged.

The Department of Justice released new guidance Thursday that aims to make it easier to have federal student loan debt discharged in bankruptcy -- a particularly difficult legal process under the previous policy.

Whatever the reasons for your bankruptcy, it’s important to emphasize that the past is behind you, and demonstrate the s...
11/21/2022

Whatever the reasons for your bankruptcy, it’s important to emphasize that the past is behind you, and demonstrate the steps you’re taking to rebuild your credit and build a stronger future. And that sort of fresh start is precisely what bankruptcy promises.

Personal bankruptcy offers a fresh start for those with high debt levels, but it also comes with long-term costs related to real estate, credit, and jobs.

No matter which form of bankruptcy is sought, not every type of debt can be wiped out through a bankruptcy case.
11/18/2022

No matter which form of bankruptcy is sought, not every type of debt can be wiped out through a bankruptcy case.

Filing bankruptcy has some debt exclusions. These charges can usually be eliminated.

If you’re getting hounded by creditors, facing foreclosure on your home or feeling overwhelmed by debt in other ways, ba...
11/14/2022

If you’re getting hounded by creditors, facing foreclosure on your home or feeling overwhelmed by debt in other ways, bankruptcy might be the answer.

Follow this step-by-step guide to understand the process.

Sometimes, once your chapter 13 bankruptcy plan is approved and you are making progress on your debt, you might want to ...
11/11/2022

Sometimes, once your chapter 13 bankruptcy plan is approved and you are making progress on your debt, you might want to leave the protection of the plan early. While doing well with your finances is worth celebrating, leaving the plan early isn’t always the best idea.

It's possible that after your chapter 13 bankruptcy plan is approved and you are making inroads into your debt, you might want to get out earlier than agreed upon. Is it a good idea?

If you’re overwhelmed with debt you can’t repay, or maybe your mortgage is underwater and you’ve exhausted all other opt...
11/07/2022

If you’re overwhelmed with debt you can’t repay, or maybe your mortgage is underwater and you’ve exhausted all other options, filing for bankruptcy may be a wise decision.

Bankruptcy has long had a stigma in the U.S. People who file for bankruptcy protection have been stereotyped as irresponsible, unethical or lazy. But many Americans find themselves facing bankruptcy due to an unexpected crisis, like job loss, a medical emergency or divorce. Bankruptcy is designed

It’s important to understand how you should and shouldn’t spend to help your bankruptcy case go smoothly.
11/05/2022

It’s important to understand how you should and shouldn’t spend to help your bankruptcy case go smoothly.

Spending a lot before or after filing for bankruptcy could jeopardize your case.

Generally, people choose Chapter 13 when their monthly debt payments are too much to handle but they have a job and want...
10/31/2022

Generally, people choose Chapter 13 when their monthly debt payments are too much to handle but they have a job and want to keep certain assets. If you’ve maxed out your credit cards, you can’t afford to pay for basics like groceries and you’re constantly avoiding phone calls from debt collectors, you might consider this route.

Chapter 13 is called a “wage earner’s plan” because you use your income to repay some of your debts.

Buying a house can be a challenge in itself, but if you’ve had to file for bankruptcy, owning a home may seem all the mo...
10/29/2022

Buying a house can be a challenge in itself, but if you’ve had to file for bankruptcy, owning a home may seem all the more difficult to achieve. However, it’s still possible regardless of whether you’ve filed for chapter 7 or chapter 13 bankruptcy.

Buying a house can be a challenge in itself, but if you’ve had to file for bankruptcy, owning a home may seem all the more difficult to achieve. However, it’s still possible regardless of whether you’ve filed for chapter 7 or chapter 13 bankruptcy. Your biggest hurdles to getting a mortgage wi...

In recent years, there have been a number of major court rulings that made it possible to discharge private student loan...
10/24/2022

In recent years, there have been a number of major court rulings that made it possible to discharge private student loans. Yet attorneys caution that those rulings still don’t necessarily mean that all private student loans are dischargeable in bankruptcy — at least not without special circumstances.

Discharging your private student loans is a complex process.

Credit card debt is rising at its fastest clip in more than 20 years, according to the Federal Reserve Bank of New York....
10/22/2022

Credit card debt is rising at its fastest clip in more than 20 years, according to the Federal Reserve Bank of New York.

Credit card debt loads are piling up just as the U.S. economy appears to be heading into a recession.

Recovery from bankruptcy is a step-by-step and often gradual process, and is best achieved by personally committing to g...
10/17/2022

Recovery from bankruptcy is a step-by-step and often gradual process, and is best achieved by personally committing to good, healthy, financial practices.

A bankruptcy isn’t the end of the world. Here’s how to recover from one.

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5500 Market Street, Suite 101
Youngstown, OH
44512

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Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 4pm

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