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Monthly Archives: February 2023

QuestionMark

Does Bankruptcy Affect Your Security Clearance?

By Bentz Holguin Law Firm, LLC |

Although most people believe the answer to this question is “yes,” the B-word does not appear in Guideline F of DoD Directive 5220.6, the relevant document in these situations. However, Guideline F does touch on a number of bankruptcy-related matters. It simply says some very unexpected things about the relationship between bankruptcy and a… Read More »

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Bank18

Can I File Bankruptcy if I’m An Social Security?

By Bentz Holguin Law Firm, LLC |

Overall, pretty much anyone can file bankruptcy at pretty much any time. But for the 66 million Americans who receive Social Security benefits every year, consumer bankruptcy filings have special issues. These people are understandably hesitant to do anything that may compromise their Social Security benefits. For most families, this monthly check is the… Read More »

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Bank11

Top Five Reasons People File Bankruptcy

By Bentz Holguin Law Firm, LLC |

Overall, there is only one reason people file bankruptcy. Their assets and incomes greatly exceed their debts and obligations. As a rule of thumb, if your current and delinquent secured and unsecured debts are more than three times your annual income, there is no realistic way to pay these debts off. Many families are… Read More »

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DebtHelp

What Is Debt Negotiation?

By Bentz Holguin Law Firm, LLC |

Debt negotiation is an effective debt reduction tool that most people should take advantage of. Generally, if your secured and unsecured debt payments exceed a third of your income, these debts are impossible to repay. Something has to give. Several recent Supreme Court decisions have watered down consumer protections in the Fair Debt Collection… Read More »

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