• Lien Stripping

      If you have a second mortgage on your primary residence that is wholly unsecured, you are permitted, in a Chapter 13 Bankruptcy case, to remove or “strip” the lien. A second mortgage is “wholly ...

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    • Creditors' Right to Challenge Your Bankruptcy Case

      Creditors can challenge the dischargeability of credit card purchases under certain circumstances. Under 11 U.S.C. 523(a)(2)(c),consumer debts owed to a single creditor and aggregating more than $500 ...

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    • Improve Your Credit Score

      Here are Some Tips for Improving Your Credit Score Look at your credit report to see how the creditors are reporting your credit activity. You are entitled to one free credit report per year from each ...

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    • Timothy Brown is Honored to to Have Been Selected by the National Trial Lawyers as a "Top 100 Trial Lawyer"

      Attorney Timothy Brown has been selected by National Trial Lawyers organization as one of their "Top 100 Trial Lawyers." Attorney Brown is honored to receive this award and will proudly endeavor to ...

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    • New Office Opened in Elgin, Illinois

      The Law Office of Timothy Brown has opened a second office in Elgin, Illinois. At our Elgin office, we provide debt relief services to our clients who reside in Kane County, including but not limited ...

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    • Recent U.S Supreme Court Decision

      In the recent case of Ransom vs. FIA Card Services, N.A., the U.S. Supreme Court ruled that a consumer may not use the IRS "ownership expense" deduction for a vehicle when the consumer owns the ...

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    • Improve Your Credit Score

      Here are Some Tips for Improving Your Credit Score Look at your credit report to see how the creditors are reporting your credit activity. You are entitled to one free credit report per year from each ...

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    • Don't Use Credit Cards Before Filing for Chapter 7 Bankruptcy

      Most debtors who seek relief under Chapter 7 of the Bankruptcy Code have credit card debt. In most instances, Chapter 7 allows these debtors to discharge their debt. Under certain circumstances, ...

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    • Do's and Dont's Before Filing for Chapter 7

      If you are planning to file for Chapter 7 Bankruptcy, you should follow the rules and guidelines detailed below: Do Not 1) Give any special preference to a particular creditor. The Bankruptcy law ...

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