From Julie ...

"I have helped thousands of families restore peace and order to their lives. We listen to what you have been through in your life and help guide you with hope for a new beginning and the freedom from pressure and stress."

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Bankruptcy News

7 Steps to a 720 Credit Score

At O'Bryan Law Offices, we know that your bankruptcy is only part of your concern: You also want to get back to a normal life. This includes rebuilding your credit score as fast as possible. For years, we have been meeting with clients who are terrified about the future: How will you survive in a world that will judge you based on your credit score? This course is valued at $1000.00. ACT NOW AND CALL TO GET THIS FOR FREE!!!

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Credit Abuse and Resistance Education CARE

CARE is a financial literacy initiative that makes experienced members of the Bankruptcy Community available to teach the importance of financial education. These presentations are the perfect supplement to any financial literacy program offered by you or your school, especially to any unit on consumer credit, and they can be made during individual classroom periods or to larger student groups, including senior assemblies. CARE's primary target is high school seniors and college freshmen who are most at risk because, as hungry consumers, they are aggressively marketed by the credit card industry at at time when they carry a very low Financial I.Q. CARE is a national program by the U.S. Bankruptcy Court, WDNY and the Bankuptcy Committee of the Monroe County Bar Association. It was founded in 2002 by U.S. bankruptcy Court, Chief Judge John C Nonfo, II(retired).

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Bankruptcy Blog

Personal Financial Management Requirement In Bankruptcy 01/07/15

In 2005, Congress enacted broad changes to the federal bankruptcy code. Among these changes was the new requirement that an individual debtor must complete a course in personal financial management before a bankruptcy discharge can be ordered in the case. The hope was that by mandating a little financial education, the individual would be able to make better financial choices and have a better chance at future economic success.

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Will I Lose All My Stuff If I File for Bankruptcy? 12/31/14

A common concern of our clients is whether they will lose their possessions if they file for Bankruptcy. The answer to that question is quite simply, generally no. The Bankruptcy Trustee or your creditors will not take the clothes off your back or the majority of your household goods and other possessions. There are certain exemptions available to everyone that files Bankruptcy that allows most people to protect most, if not all, of their possessions.

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