What are the Differences Between Chapter 7 and Chapter 13 Bankruptcy?

Posted by David Hinkle on March 22, 2022.

Many families are struggling with debt. Financial problems remain the number one stressor for people nationwide. The American Bankruptcy Institute (ABI) reports that there were 1,611 consumer bankruptcy filings in West Virginia in 2021. Another 8,078 consumer bankruptcies were filed in Maryland. There are actually two different types of personal bankruptcy: Chapter 7 bankruptcy; and […]


Common Bankruptcy Questions

Posted by David Hinkle on February 18, 2022.

Most people experience financial worries at some point during their life. According to a recent survey cited by CNBC, 77 percent of Americans report that they feel “anxious” about their financial situation. Even more alarming, nearly 40 percent of adults nationwide have dealt with serious financial struggles in recent months. For families with deep (unsustainable) […]


New Years Financial Review

Posted by David Hinkle on January 27, 2022.

Many people use the end of a busy holiday season as a time to sit down, take a breath, and plan for the future. New Year’s resolutions are a popular tradition—and a significant portion of people’s goals are centered on their finances. In fact, the Pennsylvania Capital Star recently cited data finding that nearly 40 […]


Creditor Harassment and Abuse

Posted by David Hinkle on September 29, 2021.

As a debtor, you have certain rights that are guaranteed by the Consumer Financial Protection Bureau, the Truth in Lending Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act (FDCPA). These rights are guaranteed to you regardless of how much debt you hold and, if your rights are being breached and […]


Can a Bank Repossess My Car to Cover My Debt?

Posted by David Hinkle on July 21, 2021.

Your car may be one of your most valuable possessions. Not only may it be worth a good chunk of change—a few thousand dollars or more—but it may also be the thing that gets you to and fro’. Without your vehicle, you may have a hard time getting to work, running errands, transporting the kids […]


Chapter 7 Bankruptcy – What It Means For Those Who Declare It

Posted by David Hinkle on June 29, 2021.

The COVID-19 pandemic and related economic disruptions have put a serious financial strain on many families. If you are dealing with serious financial issues, you may be considering filing for Chapter 7 bankruptcy protection. Before you file, it is crucial that you know the implications of declaring bankruptcy. In this article, our Martinsburg Chapter 7 […]


The Ease of Our Process

Posted by David Hinkle on May 4, 2021.

Are you stressed out about your financial situation? You are certainly not alone. A recent survey published by CNBC found that 73 percent of Americans rank finances as the number one stress in their lives. Financial distress can be so emotionally and psychologically overwhelming that many people simply stop opening bills or letters from debt […]


Spring Financial Cleanup

Posted by David Hinkle on March 24, 2021.

Do you have a spring cleaning checklist that you are working your way through this year? If so, it is a good time to add your finances to the agenda. Spring is a great time to work your way through the clutter—and your finances are no exception. Make a plan to assess and address your […]


The Cost of Bankruptcy Is Less Than Doing Nothing

Posted by David Hinkle on February 16, 2021.

Are you dealing with non-stop calls from creditors and debt collectors? Are you falling behind on bills more and more each month? If so, it is normal to feel stressed out and frustrated by your financial circumstances. You probably just want to disconnect and get everything out of your mind. While this is understandable, doing […]


Get a Fresh Start with Bankruptcy

Posted by David Hinkle on January 20, 2021.

According to data from the American Bankruptcy Institute (ABI), nearly 530,000 Americans filed for personal bankruptcy protection in 2020. With the new year, why not get a fresh start with bankruptcy? In this article, our West Virginia bankruptcy lawyer provides an overview of your personal bankruptcy options, explains how the process can help you get […]