Applying for Social Security Disability benefits can mean facing two or more years of loss of income.  How should someone dealwith this financial crisis?  Bankruptcy can give some relief, but the timing is important and depends on a number of factors:             1.  Is the Claimant single or married?             2.  Does the Claimant have […]

If you filed bankruptcy BEFORE 2005, and you are having financial problems again, once it has been eight years, you are eligible to file again.  However, the law was changed in October, 2005, and you need to be aware of two things: the “means test” and debtor counseling/education. The “Means Test” is the Bankruptcy Court’s […]

     Most people would love to pay back their debts if they could.  However, before signing up with a “debt consolidation” program or “debt settlement” company you have talked to over the phone or theinternet, you should talk in person with an attorney, like us at Dempsey, Dempsey & Moellring.  We willgo over your budget and see […]