Bankruptcy Case Results
Result:
RESULT: M.J. discharged all of her credit card debt and IRS back taxes in her Chapter 7 and adversarial proceeding.
M.J. had over $85,000 in unsecured debt and $10,000 in back taxes. The IRS argued the tax return was not timely filed. We proved to the court that it was.
In re: M.J.
Result:
E.A. saved her house and discharged all of her credit card debt in her Ch. 13.
E.A. was posted for foreclosure. We saved her home, got her back on her feet financially, and now she is doing great!
In re: E.A.
Result:
Although this family of 3 failed the first half of the Means Test, our attorneys convinced the U.S. Trustee that they were eligible to file a Chapter 7. In short, hiring our trial lawyers saved them tens of thousands of dollars.
This family met with several debt relief agencies before meeting with Mr. Pelley. Every agency told them that they made too much money to file Chapter 7. Thus, the fees for a Ch. 13 would be at least double, if not triple, what we charged them for a Ch. 7 to discharge ALL their credit card debt.
In re: R.G. & S.G.
Result:
T.D. got her car back, saved a lot of money in interest, and discharged her unsecured debts.
Client’s vehicle was repossessed. We filed T.D.’s Ch. 13, recovered the vehicle, and paid off the balance at a much lower interest rate.
In re: T.D.
Result:
The H’s beat cancer, discharged the ridiculous medical bills that were not covered by the insurance company they had paid religiously for years, and got rid of their rental house nightmare.
Mrs. H went through several courageous bouts with cancer and fought through many rounds of chemotherapy. This resilient couple had $160,000 in medical debt and a rental house they could neither sell nor afford to maintain. Right before we were going to file, Mrs. H’s cancer came back. She did not quit fighting. So, we postponed filing until she beat it again and included the newly generated medical debt in her Chapter 7.
In re: J.H. & M.H.
Result:
R.B. saved his car, eliminated his ridiculous auto loan rate and discharged his credit card debts.
R.B.’s financial scene was out of control and he could not stay current on his vehicle payments. We filed a Ch. 13 and got his situation back on the road.
In re: R.B.
Result:
We filed Ch. 7 for them both personally and for their business. They discharged nearly three million dollars in business and personal debt and got a fresh financial start.
This family owned a company that supplied medical equipment. Much of their business involved clients on Medicaid. When Medicaid put a moratorium on payments to providers in the area, their well-established business quickly fell apart.
In re: W.L. & P.L.
Result:
Thanks to our knowledge of an obscure exception to the Means Test, these clients were able to discharge all of their unsecured debts in a quick Ch. 7.
The J’s had a tremendous amount of credit card debt. However, because of their income they failed the first half of the two-part Means Test. Nevertheless, we proved to the U.S. attorney that they qualified for an exception to the B22 income requirement as disabled veterans.
In re: A.J. & J.J.
Result:
Nearly $200,000 saved in less than 4 months.
This family owed $160,000 in unsecured debt and $16,000 on their car at around 20% interest. We filed a Motion to Redeem and they paid only $8,000 for their car, which saved them over $10,000 over the life of the loan. Unsecureds all discharged.
In re: J.J. & J.C.
Result:
A.N. got her car back, discharged her credit card debt, and lowered her monthly payments on her vehicle.
Her vehicle was repossessed. A.N. filed an emergency Chapter 13 bankruptcy case and we were able to recover the vehicle for her.
In re: A.N.
Result:
We hired a translator for this deaf couple who also went with us to meet with the 341 Trustee Meeting and they received a quick and painless discharge of all of their unsecured debts.
This couple had an enormous amount of unsecured debt. After visiting with several bankruptcy law firms, they were exasperated by the inability to communicate their financial questions and concerns. Then they reached out to us. The first lengthy meeting was conducted by passing notes back and forth. Then, we hired an ASL translator to accommodate these good people and make them feel as calm as possible.
In re: J.A. & M.A.
Result:
E.N. saved his house from going back to the bank and discharged his unsecured debts.
E.N. was posted for foreclosure. We filed a Ch. 13 case and stopped the foreclosure. E.N. was immediately “current” and saved his home and improved his credit score.
In re: E.N.
Result:
Mr. Pelley convinced the U.S. Trustee that this couple qualified for a Ch. 7 case despite making nearly double what the IRS’s guidelines say is typical for a family of two.
This couple had over $270,000 of debt from an extended illness. Richard got it all discharged.
In re: W.M. & R.M.
Result:
K.D. filed a Chapter 7 bankruptcy. Ultimately, all of her unsecured debts were discharged and we helped her recover thousands of dollars from the flooring company.
Our elderly client was left with tens of thousands in unsecured debt after being scammed by a flooring company that sued her and levied her bank accounts.
In re: K.D.
Result:
D.H. saved a lot of money on her car through the Chapter 13 bankruptcy because she was able to buy it for the amount it was actually worth, rather than the amount she owed at 4% interest. Plus, she put a permanent end to her payday loans and credit card debt.
D.H.’s car was up for repossession. She also had multiple payday loans that were draining her bank account. We filed her Ch. 13, stopped the repossession and all collections/garnishments from the payday loans.
In re: D.H.
Result:
We put C.B.’s ex-husband in his place and got her back on her feet.
This divorced single mother was left with a mortgage she could not afford. Her ex-husband took the mortgage payment out of her alimony every month, leaving her without enough money to buy food or gas. We filed her Chapter 7 case, discharged all of her debt (including the huge abandoned house mortgage) and helped her receive the full alimony payments.
In re: C.B.
Result:
J.W. got rid of the garnishment from her judgment and discharged all of her unsecured debts.
J.W. had a garnishment action against her from a judgment and a high interest vehicle note. Shefiled a Chapter 13 bankruptcy to stop the garnishment and buy the vehicle at a much lowermonthly payment.
In re: J.W.
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