Dixon & Johnston LawOffice
Toll Free800-733-2440

Read our Blogs

Keep up with your responsibilities during a bankruptcy

Filing for bankruptcy doesn't mean that you can just forget about debts. Instead, you will have to make sure that you are handling the responsibilities that you have in the case. These can vary some based on the chapter you file, but you should make sure you understand what you need to do for your case.

We realize that you just want to find relief from the debts that are making your life miserable. Filing will put the automatic stay into place that you can answer your phone without worrying about a creditor being on the other end. They can't contact you to collect the debt once you file.

Workers who become disabled might need disability

The Social Security Disability Insurance program is meant to help workers who become disabled and can't work. Unfortunately, many of these individuals will have to fight for the benefits that are due to them. This can be a real challenge, because they still need to pay bills that come with living their life.

We know that you might find this process to be challenging. At times, it might be infuriating. We can help you to find out what you need to do during your case so that you can begin to move things along. The process isn't always easy, but we can work with you to figure out how to get you what you are due.

Living your best life after filing for bankruptcy

The decision to file for bankruptcy often feels like one of the biggest decisions in your life. As you move through the process, you will soon find that the financial stability is freeing in a way. Whether you are living through a Chapter 13 that requires you to make payments to the trustee or had to deal with a Chapter 7 that liquidated your assets, you are probably looking forward to the day when you can start to rebuild your credit.

The life that you live after bankruptcy will be much different than before. For one thing, you will have to rebuild your credit. This usually requires that you start off with a less desirable credit card that has small limits and higher interest. As time progresses and you make the payments on time, your credit limit might increase. Eventually, your credit will be good, but only if you are paying the bills on time.

Dispelling common misconceptions about SSDI benefits

If you count yourself among those who have an injury or disability severe enough to keep you from re-entering the workforce, you may be considering applying for Social Security Disability Insurance from the U.S. Social Security Administration. Whether you are ultimately eligible for SSDI benefits depends on several factors, among them your previous tax contributions and work history, but if you are able to obtain them, they may help you get by in the absence of employment income.

The SSDI benefit system is frequently misunderstood, however, and there are many myths and misconceptions that surround it. The more you understand the system and application process, the better your chances of receiving approval for your SSDI benefits claim. So, before you file your SSDI benefits claim, know that:

Chapter 13 bankruptcies are meant for wage earners

A Chapter 13 bankruptcy is one type that a consumer might file. Unlike the Chapter 7 filing, a Chapter 13 means that you are going to have to make repayments to the court for some of the debts. This form is often called the wage earners plan since you need to have an income so that you can make the payments.

One thing that some people appreciate about Chapter 13 filings is that they can often stop a foreclosure proceeding when they file. This is because the terms of the bankruptcy might enable them to have the means to pay the mortgage. It is important to note that all payments for the mortgage must be made on time through the course of the bankruptcy.

2 disability programs through the Social Security Administration

When you can't work because of a disability, you will still need a way to support yourself. There are two programs that administered by the Social Security Administration (SSA). There are some stark differences between them so you should learn about these before you file your application.

One of the biggest differences is that Social Security Disability Insurance (SSDI) is for people who have a specific number of credits from working. The number of credits depends on how much you have worked within a specified number of years, usually the last 10 years.

Rebuilding your finances after bankruptcy isn't difficult

Many people worry about being able to live once they file for bankruptcy protection. While it is true that this process will impact your ability to get credit for a while, it isn't the end of the world. In fact, it is often better to file for bankruptcy than it is to have a bunch of unpaid, charged-off accounts on your credit report.

If you are worried about being able to rebuild your credit, you don't have to worry at all. You can actually start this process well in advance of the day you actually get credit again. One of the first things that you need to do is to give your money a job. Each dollar that you bring in should be budgeted so that you know where it is going before it is deposited.

Applying for disability can be a maddening process

Social Security Disability Insurance (SSDI) is meant to be a safety net for people who are disabled to the point that they can't support themselves through work. The issue that some individuals find when they file for these benefits is that they have to expend their energy fighting for them.

SSDI applications often go through many different steps before they are approved or denied. These steps can include requests for more information, doctor's appointments and other activities. When you are dealing with a disabling condition, going through all of this can drain your energy to the point that you can't function with normal life activities.

Attending a creditors meeting will be easier than you think

When you file for Chapter 7 or Chapter 13 bankruptcy, appearing at meetings is not something you will ordinarily have to do outside of getting together with your attorney.

However, there is one meeting you will be required to attend. The 341 meeting, as it is called, is all about debts and creditors, and getting through it will not be as difficult as you might think.

Post-traumatic stress disorder may qualify for benefits

Some people live with crippling bouts of post-traumatic stress disorder (PTSD). This extreme stress reaction to reminders of past traumatic events can sometimes meet the qualifications of a disability. The PTSD sufferer may then be able to receive disability benefits.

In determining whether or not the PTSD condition qualifies applicants for disability benefits, the severity of the condition matters a great deal. The effects of PTSD are on a spectrum ranging from mild symptoms that slightly disrupt someone's life to severely debilitating symptoms that make living a normal life impossible.