Blog

Feb. 4, 2026

Since the government rolled out a standardized process for discharging student loan debt in bankruptcy, a small group of law firms is driving much of the increase in filings—but in many states, far fewer attorneys are giving it a try.

Feb. 4, 2026

For decades, student-loan borrowers seeking relief through bankruptcy rarely succeeded. However, 2022 guidance implemented by former President Joe Biden eased the process by establishing clearer, more streamlined guidelines for borrowers. The changes have allowed the bankruptcy process to move more quickly.

Nov. 18, 2025

In 2005, Congress passed a law requiring a “means test” that is automatically applied to anyone filing for Chapter 7 bankruptcy.

Oct. 6, 2025

Sometimes, something that appears to be a dream come true at first glance turns out to be a nightmare. That’s the case for many small business owners who take out Merchant Cash Advances (MCAs).

Sept. 4, 2025

Many people see buying a franchise as a ready-made business opportunity with a proven track record of success and built-in customers. But the reality is that not all franchise opportunities are equal. While franchises can provide opportunities, they are not fail-proof or risk-free, no matter how well-established the brand.

June 17, 2025

As the COVID EIDL Hardship Accommodation Plan (HAP), ends there no direct long-term solutions from SBA for small businesses. Reorganizing through Chapter 11 Subchapter V might be the best solution for your business.

April 11, 2025

The party is over when it comes to student loan forbearance. After COVID-19 loan pauses ended in late 2023, the government issued a 12-month moratorium on reporting student loans to credit bureaus. That quietly ended on January 1, 2025. No formal notice was given to borrowers that forbearance for reporting to credit bureaus had ended. That means your credit score may drop significantly if you haven't been able to pay your student loan payments after the end of COVID-19 loan pauses.

March 17, 2025

We wrote a blog post a few years ago on the punishing payback terms of Merchant Cash Advances (MCAs)

Jan. 24, 2025

Did you take out a loan to buy expensive equipment for your business that is now worthless or at least worth far less than you still owe

June 17, 2024

The landscape of bankruptcy law is about to shift in a way that could significantly impact consumers struggling with debt.