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 […]
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 […]
Posted by David Hinkle on December 14, 2020.
If you are dealing with serious financial distress and you are considering bankruptcy, you are certainly not alone. Bankruptcy protection is an effective legal tool for many individuals and families who are looking to find stable financial footing. According to data published by the United States Courts, approximately 700,000 people file for personal bankruptcy protection […]
Posted by David J. Hinkle, Esq. on September 21, 2020.
If you are dealing with the stress and frustration of debt, you are not alone. According to the official federal government data, approximately 775,000 Americans file for bankruptcy protection every year. Chapter 7 bankruptcy offers a potential solution. Also known as a liquidation bankruptcy, Chapter 7 is one of the best ways for financially distressed […]
Posted by David J. Hinkle, Esq. on January 20, 2014.
Short Answer: Absolutely not. This is a common question that I often get from clients. You can only file a joint bankruptcy case with a spouse. However, just because you are married does not mean that you have to file a joint bankruptcy in West Virginia. There are plenty of times where it is […]
Posted by David J. Hinkle, Esq. on September 20, 2013.
How many of you have really taken the time to understand your credit card account? Before I started working in this area of the law, I never did. When I got a bill, I just paid it. If the interest rate changed, I just accepted it. If a fee was assessed, I just assumed it […]
Posted by David J. Hinkle, Esq. on September 17, 2013.
There are few places in the United States that have been affected by foreclosures like Martinsburg and the Eastern Panhandle of West Virginia. As a bankruptcy lawyer, I’ve met with many clients who were on the verge of losing their homes. Thankfully, I’ve been able to help many of them. Like all collection actions, a […]
Posted by David J. Hinkle, Esq. on September 16, 2013.
Yes! Declaring Bankruptcy in WV does stop wage garnishments. West Virginia is like most states in that it allows for judgement creditors to garnish your wages in order have a debt repaid. In order for a creditor to garnish your wages, they first have to take you to court and get a judgement against you. […]
Posted by David J. Hinkle, Esq. on September 14, 2013.
At Hinkle Law, we have helped many clients set up favorable repayment plans of taxes owed to the IRS and the West Virginia State Tax Department. This means, you can use your bankruptcy to pay tax debts! It is important to note that most taxes cannot be discharged, or forgiven, in a bankruptcy. This means, […]
Posted by David J. Hinkle, Esq. on September 4, 2013.
What is a statute of limitations? What does it mean for debt collection? A statute of limitations is a federal or state law that restricts the time within which legal proceedings may be brought. In simpler terms, it’s the time limit on when you can be sued on a debt. Figuring out the statute of […]