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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

What happens to my Chapter 13 if I can’t complete it due to job loss or loss of my spouse? 04/09/14

A Chapter 13 repayment plan allows you the opportunity to pay certain creditors back over the course of three to five years. A Chapter 13 plan typically lasts five years to provide the lowest plan payment possible. A frequent question clients wonder about is what would happen if they were to experience a significant hardship during a Chapter 13? For example, what if they lost their job or lost their spouse due to death or divorce? Sometimes clients wonder if they can be prosecuted legally for not meeting their obligations under a Chapter 13. The good news is that a Chapter 13 is not set in stone; you will not be “in contempt of court” if you cannot complete your plan, and often it is still possible to receive a discharge on your debt.

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Incurring New Debt to Purchase Property While in Chapter 13 Bankruptcy 04/09/14

Some people think that a Chapter 13 Bankruptcy means you cannot incur any new debt or purchase any new real or personal property for the five years of your bankruptcy plan. The good news is that this is simply not true. There are, however, special rules that apply in order to incur new debt to purchase property while in a Chapter 13 Bankruptcy.

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