Letting Go of Debt
Letting Go of Debt by Karen Casanova A book that I like to give to my bankruptcy clients if they need it is “Letting Go of Debt: Daily Meditations for Financial Recovery” by Karen Casanova. December 11th Mediation Reads: “Charity ‘Money is like manure. You have to spread it around or it smells’ – J. […]
Do It Yourself Tax Resolution
Do It Yourself Tax Resolution Video https://www.youtube.com/watch?v=y_mE87XHEGg&t=32s Free Consultation Call Now (970) 239-1139 Contact Us
Bonuses in Bankruptcy: How It Relates to the Means Test
Bonuses in Bankruptcy: How It Relates to the Means Test Question: For 2024 my annual salary is $108K, everything else I earned were bonuses. Will they include the bonuses in my total earnings even though it’s not a guarantee? Answer: The Means Test looks back at what actually happened during the six month prior to […]
Paying the IRS in Bankruptcy: What is Dischargeable?
Paying the IRS In Bankruptcy: What is Dischargeable? Question: When can I schedule a payment plan and get the process started on paying the tax debt that is not dischargeable? Don’s Answer: Paying the IRS while in bankruptcy is tricky if you have some Income Tax debt that is dischargeable, and some that is […]
Affirm and Your Bankruptcy
Affirm and Your Bankruptcy Question from Real Client: “How horrible would it be to keep ‘Affirm’? Can we even do that without messing up our bankruptcy? They text me that I have a payment due on Oct 19th, it’s tied to our Debit Card, not a Credit Card. But I wanted your advice. Don’s Answer: […]
Tax Resolution and “Negotiating with the IRS”
Tax Resolution and “Negotiating with the IRS” The radio ads and late night ads claim they will “negotiate” with the IRS for you. It is just NOT true. There are very few cases when the IRS will “negotiate” penalties or interest. Negotiating with the IRS is much like negotiating with the 800 pound Gorilla. You […]
Do You Need a Mental Health Bankruptcy?
Do You Need a Mental Health Bankruptcy? When Financial Protection Isn’t the Only Concern Concern Posed Asked By Real Client: I will get a judgment if I don’t file for bankruptcy. Don’s Answer: If you do not respond to a Summons, the Creditor will get a judgement against you. While it will take some time […]
Why Don Bell Law
In my 70-plus years, I have engaged in a wide range of activities, both work and play. Raised on a farm by a workaholic, I learned to stay busy all the time. I lived “off the grid” for the first five years of my life in rural North Carolina in the 1940s. We had no electricity until I was five…