The Office of Russell Gary Small, P.C. COVID -19 UPDATE: In these uncertain times all of us at The Office of Russell Gary Small, P.C. wants to reassure you that we are open and continue to work for you. We can meet with you via telephone or video conference, and communicate electronically. We are here for you, and encourage you to reach out to us with any questions or concerns. Stay safe and healthy.
Filing for bankruptcy usually means that your credit score drops substantially. Although it can start going back up relatively soon, it will be years before you fully recover from the impact of a bankruptcy on your credit score and before you can qualify for the best...
Mounting debt can be an overwhelming experience. You might be between two less-than attractive options: debt consolidation or filing bankruptcy. There are both benefits and downsides associated with each. You'll want to weigh certain personal circumstances when...
Bankruptcy allows someone to stop aggressive collection activity and potentially get rid of their debt through a discharge. In theory, after that discharge, the person who filed has a perfect opportunity to start rebuilding their credit. Unfortunately, if the...
Consumer bankruptcies are always driven by each person’s individual situation -- but economic issues throughout the country and other external factors can be a significant driving force that causes bankruptcy filings to ebb and flow dramatically. In 2020, consumer...
If you have significant debt, you more than likely already feel stressed about how you will pay off your debt. Your stress increases though when you get multiple calls from creditors each day. You may be more than tired of these creditor calls and want them to stop....
Managing household finances often means deciding what bills to pay and when. Sometimes, past-due bills or unusual expenses will take precedence over recurring monthly ones. If you have prioritized other bills over the payment of your mortgage in recent months, then...
Many people are struggling to overcome substantial debt. When they finally decide that bankruptcy is their best solution, they often need guidance in choosing between a Chapter 7 and a Chapter 13 bankruptcy. Unless you have already gone through bankruptcy, you may...
Bankruptcy provides an effective way for people to overcome debt. It allows you to get a handle on your financial issues and make a fresh start. A successful bankruptcy may eliminate many kinds of debt like medical bills and credit card debt. One of the most...
You’ve already made the difficult decision to file for bankruptcy. You know it’s the right move for your circumstances. It won’t be long before you make your way to a bankruptcy attorney’s door for help filing. But what comes after you file bankruptcy? What can you...
The financial world has plenty of its own jargon, as does the legal world. It is altogether too easy for people to misunderstand or conflate different legal terms or financial systems. If you have recently encountered financial hardship because of debt that you can't...
