Helbing Law Office Logo by Timothy Helbing located in Appleton, WI serving chapter 7 and chapter 13 bankruptcy

6 reasons that bankruptcy strikes

You’ve never had financial problems. In the 10 years since you graduated from college, you’ve been smart with money. You’ve gotten pay raises at work without massively raising your standard of living. You think you’re immune to bankruptcy. The reality is that bankruptcy often comes on unexpectedly, and it’s sometimes for reasons that are out […]

Can an employer ask you about bankruptcy?

You’re unemployed, and you’re thinking about declaring bankruptcy. Without a job, it’s simply become impossible to pay off what you owe. You’re not sure what else to do to get out of debt. At the same time, you’ve not given up on ever being employed again. You fully plan to keep looking for a new […]

Supreme Court considering whether debt buyers must follow FDCPA

In 2012, a group of debtors filed a class action lawsuit against a Santander Consumer USA Holdings Inc., a Dallas-based debt buyer specializing in auto loans. Santander had bought the debtors’ loans from other holders and was attempting to collect them. The debtors claim Santander was violating the Fair Debt Collection Practices Act by bypassing […]

Can your car be reposssed from anywhere?

The repo team is coming to take your car. You know it, because you haven’t been able to make the payments. Can they just show up and grab it one morning, no matter where it is? No. While they may have a legal right to repossess the car, there are still laws and regulations governing […]

What is a boomerang buyer?

You know you need to declare bankruptcy, but you don’t want to let it wreck all of your financial plans for the future. You were hoping to buy a home and really settle in. The good news is that you still can. Don’t assume that bankruptcy means a home will always be impossible for you […]

Getting married when your significant other went bankrupt

You’re thinking about getting married, but your significant other has already declared bankruptcy or is thinking about doing so. You’re wondering what this means for your future. Here are a few things you should know. First off, credit scores are for individuals, not couples. Lenders won’t see his or her bankruptcy on your report and […]