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"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

BEWARE THE “YO-YO” SCAM 10/29/14

Late in the model year, car companies advertise heavily to get you to come in and shop for a new car. All of those television ads may have you thinking about replacing your old gas-guzzler for a newer, better car. Before you go looking for a new or used car, be aware of the latest scam some unscrupulous car dealerships are using to make you pay: the “Yo-Yo” scam!

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I Want to Keep This Credit Card When I File Bankruptcy 10/22/14

In most circumstances, no, you cannot keep a credit card. The Bankruptcy rules require that you list all of the debts that you owe in your petition, including all of the credit cards. So, if you have a balance on a credit card, it has to be listed in your bankruptcy petition. If you do not have a balance on your credit card, it does not have to be listed in your case. A word of caution, however; many credit card companies check your credit periodically and when they discover you have filed bankruptcy, they may close your account.

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