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.
The bank has to send you a foreclosure notice before taking your home. This is not something that should ever happen without your involvement, nor should it take you by surprise. But when that notice comes, what does it mean for your immediate future? Is the bank...
By this point in your journey to overcome debt, you probably already know the difference between a Chapter 7 and a Chapter 13 bankruptcy. Under the laws governing Chapter 13 filings, you must submit a plan to repay your debts. Many people believe they have no role in...
Those who have never declared bankruptcy often assume that it only happens because of irresponsible spending habits. They imagine people running up charges on their credit cards that far exceed what they’re going to make during the week. In general, this is not true....
The general idea behind Chapter 13 bankruptcy is that you can reorganize your debt into a new repayment plan. This new organization of the money you owe helps you pay it off over time, though you do have set payments that you have to make on a set schedule. If you’re...
Even if you know you’re tight on money, there’s something about the holiday season that’ll have you stretching your budget and hoping for the best once the calendar turns. Unfortunately, if you let your holiday spending get out of control, it’ll lead you down a dark...
Would bankruptcy help you? Would you be better off if you eliminated your debt with Chapter 7 or if you reorganized it with Chapter 13? Do you long to change your financial future, and do you think that bankruptcy is the best way to do it? And, if so, why haven’t you...
People who file for bankruptcy usually take this step because they need to take control of their financial situation. One of the questions that often comes up when a person is considering bankruptcy is how long the filing will likely remain on their credit report. ...
As a student, you can’t help but watch your college debt mount. You’re still paying full price, even though many of your classes are just streaming online, from home. The job market doesn’t seem robust. You’re worried that you’re going to graduate with a debt that you...
When your income drops, your expenses probably stay the same, at least at first. While there may be opportunities to make changes to your lifestyle or your budget, you may find yourself unable to pay all of your bills. If your income dried up completely, you may have...
People who are swimming in medical debt often don’t really think much of it. Instead, they make the required payments on those debts, but some people find that they are too deep in debt to even make a dent in it. This might be the case if there was an unexpected and...
