Debt Settlement vs. Bankruptcy

Meet the Bolger Law Firm Team

Want to know who you will be working with when you call the Bolger Law Firm?  While we all work together on each case we file, it is good to know who the people are you will meet along the way and what they do to help ensure a successful outcome for your case.

Your credit score and bankruptcy

One of the many myths regarding bankruptcy is that it will destroy your ability to obtain credit in the future for a home or a car.  Listen to some real life examples of clients' scores before and after they filed for bankruptcy protection.

My spouse doesn't want to file. Can I file by myself?

Sometimes, only one person in a marriage needs to file for bankruptcy protection.  What happens to the non-filing spouse?  This scenario arises most often in two situations - newly married couples where only person brings a bunch of debts into the relationship, and longer established married couples where only one of the spouses accumulated debt over time, oftentimes for joint household living expenses.

What is the Court Hearing Like?

Every bankruptcy case has a hearing which is the most stressful event in the case.  What is it like?  What will you be asked?  What can you do to ensure your hearing goes as smoothly as possible?  These and other questions are answered in this segment.

Debt Settlement vs. Bankruptcy

What are the pros and cons of filing a bankruptcy petition versus enrolling in a debt settlement program?  Is bankruptcy really the worst case scenario?  Are debt settlement companies all they claim to be in their slick advertising?