Jillian Hishaw
Purchasing a Car During Bankruptcy: Timing and ...

To protect your bankruptcy recovery while securing necessary transportation:

  1. Obtain pre-approval from multiple lenders before approaching your bankruptcy trustee

  2. Limit vehicle purchases to reliable, fuel-efficient models under $15,000

  3. Aim for down payments of at least 20 percent to reduce interest costs

  4. Choose loan terms under 60 months to avoid negative equity situations

  5. Verify lenders report to Equifax, Experian, and TransUnion for credit rebuilding benefits

Understanding these financing considerations helps bankruptcy filers maintain employment transportation while safeguarding long-term financial stability and creditworthiness.

Purchasing a Car During Bankruptcy: Timing and Lender Options
Jillian Hishaw
Student Loan Discharge of Parent Plus Loans For ...

“For parents struggling with Parent PLUS student loan debt while living on Social Security Disability Insurance (SSDI), financial relief may be closer than it seems. One of the most powerful—but often overlooked—options is a Total and Permanent Disability (TPD) discharge. When combined with bankruptcy strategies, this relief can offer a pathway to eliminate overwhelming student loan obligations and restore financial stability.”

Student Loan Discharge of Parent Plus Loans For SSDI Receipients
Jillian Hishaw
Filing a Proof of Claim is Essential for ...

“When a debtor files for bankruptcy, creditors often assume they will automatically be considered for repayment—but that assumption can be costly. Filing a proof of claim is one of the most important steps a creditor can take to protect their financial interests. Without it, even a valid debt may go unpaid.”

Filing a Proof of Claim is Essential for Creditors
Jillian Hishaw
Privacy Protections for Domestic Violence ...

“At the federal level, privacy protections for domestic violence victims are rooted in laws like the Violence Against Women Act (VAWA), which strictly limits the disclosure of personally identifying information and prohibits entering such data into public databases that could be accessed by abusers.”

Privacy Protections for Domestic Violence Victim Who File Bankruptcy
Jillian Hishaw
Can Prisoners File Bankruptcy?

“Yes. A person incarcerated in federal or state prison may file bankruptcy if they meet the basic eligibility rules under 11 U.S.C. § 109, which focuses on whether the person has a qualifying connection to the United States, such as residence, domicile, property, or business activity. “

Can Prisoners File Bankruptcy?

Purchasing a Car During Bankruptcy: Timing and Lender Options

Purchasing a Car During Bankruptcy: Timing and Lender Options

To protect your bankruptcy recovery while securing necessary transportation:

  1. Obtain pre-approval from multiple lenders before approaching your bankruptcy trustee

  2. Limit vehicle purchases to reliable, fuel-efficient models under $15,000

  3. Aim for down payments of at least 20 percent to reduce interest costs

  4. Choose loan terms under 60 months to avoid negative equity situations

  5. Verify lenders report to Equifax, Experian, and TransUnion for credit rebuilding benefits

Understanding these financing considerations helps bankruptcy filers maintain employment transportation while safeguarding long-term financial stability and creditworthiness.

Student Loan Discharge of Parent Plus Loans For SSDI Receipients

Student Loan Discharge of Parent Plus Loans For SSDI Receipients

“For parents struggling with Parent PLUS student loan debt while living on Social Security Disability Insurance (SSDI), financial relief may be closer than it seems. One of the most powerful—but often overlooked—options is a Total and Permanent Disability (TPD) discharge. When combined with bankruptcy strategies, this relief can offer a pathway to eliminate overwhelming student loan obligations and restore financial stability.”

Filing a Proof of Claim is Essential for Creditors

Filing a Proof of Claim is Essential for Creditors

“When a debtor files for bankruptcy, creditors often assume they will automatically be considered for repayment—but that assumption can be costly. Filing a proof of claim is one of the most important steps a creditor can take to protect their financial interests. Without it, even a valid debt may go unpaid.”

Privacy Protections for Domestic Violence Victim Who File Bankruptcy

Privacy Protections for Domestic Violence Victim Who File Bankruptcy

“At the federal level, privacy protections for domestic violence victims are rooted in laws like the Violence Against Women Act (VAWA), which strictly limits the disclosure of personally identifying information and prohibits entering such data into public databases that could be accessed by abusers.”

Can Prisoners File Bankruptcy?

Can Prisoners File Bankruptcy?

“Yes. A person incarcerated in federal or state prison may file bankruptcy if they meet the basic eligibility rules under 11 U.S.C. § 109, which focuses on whether the person has a qualifying connection to the United States, such as residence, domicile, property, or business activity. “

SSI Overpayment Bankruptcy Relief Guide

SSI Overpayment Bankruptcy Relief Guide

“Under bankruptcy law, SSI overpayments are often treated as unsecured debts, similar to credit cards or medical bills. This means they can potentially be discharged in bankruptcy, especially when there is no fraud or intentional misrepresentation involved. If the SSA believes fraud occurred, it may file an objection, but proving fraud can be difficult in many cases.”

Non-US Citizens Can File Bankruptcy

Non-US Citizens Can File Bankruptcy

“Many people are surprised to learn that U.S. bankruptcy law does not require citizenship or legal immigration status to qualify for relief. Under 11 U.S.C. § 109(a), the key requirement for filing bankruptcy is not immigration status, but whether the individual has a meaningful connection to the United States. This means that a person may be eligible to file bankruptcy if they reside in the U.S., own property here, or operate a business within the country.”

Recover Wage Garnishments After Bankruptcy

Recover Wage Garnishments After Bankruptcy

“The Trustee will review the timing of the wage garnishment in relation to the bankruptcy filing. If the garnishment occurred within the 90-day period prior to filing, it may be considered a preferential transfer under the Bankruptcy Code. This means the trustee has the authority to pursue recovery of those funds from the creditor if the amount is over $600….”

How Rule 5010 Can Help Reopen Bankruptcy Cases for Student Loan Relief

How Rule 5010 Can Help Reopen Bankruptcy Cases for Student Loan Relief

“Rule 5010 is especially important for borrowers who did not originally seek to discharge their student loans in bankruptcy but now face financial hardship.”

Student Loan Lender Cannot Deny You a New Loan Based on Past Bankruptcy Relief

Student Loan Lender Cannot Deny You a New Loan Based on Past Bankruptcy Relief

“A critical legal protection that borrowers should understand is found in 11 U.S.C. § 525(c), part of the U.S. Bankruptcy Code known as the “protection against discriminatory treatment” provision. This law makes it illegal for a governmental unit or lender participating in federal student loan programs to deny a new loan, grant, or loan guarantee solely because a borrower previously discharged student loan debt in bankruptcy.”

Hishaw Law Can Help You Get Rid of Student Loans for $500

Hishaw Law Can Help You Get Rid of Student Loans for $500

“The firm provides an accessible entry point, allowing clients to get started for as low as $500, with the first payment being non-refundable. However, Hishaw Law stands behind its services—if student loans are partially forgiven, clients receive a partial refund, and if no debt is forgiven, the remaining fees are refunded in full. The process typically takes about 6 to 9 months, depending on the complexity of the case.”

Power of Attorney: Essential Protection for Your Financial and Healthcare Future

Power of Attorney: Essential Protection for Your Financial and Healthcare Future

“A power of attorney grants legal authority to a trusted individual—your agent or attorney-in-fact—to manage specified affairs when you cannot. This estate planning document prevents court intervention during incapacity, protecting your assets and ensuring your wishes are honored.”

Wyoming Homestead Exemption: Protecting Your RV as Your Primary Residence

Wyoming Homestead Exemption: Protecting Your RV as Your Primary Residence

“Wyoming statute specifically protects "house trailer or other movable home on a lot or lots, whether or not the house trailer or other movable home is equipped with wheels or resting upon immovable support." This language explicitly covers RVs, mobile homes, and manufactured housing used as primary residences, making them eligible for Wyoming's generous $100,000 homestead exemption for individuals ($200,000 for married couples filing jointly).”

Rebuilding Credit After Bankruptcy: Proven Strategies for Financial Recovery

Rebuilding Credit After Bankruptcy: Proven Strategies for Financial Recovery

“Secured credit cards require cash deposits that typically serve as your credit limit, making them accessible to bankruptcy filers. Using secured cards responsibly demonstrates creditworthiness to lenders, with positive activity reported to credit bureaus.”

Student Loan Debt and Bankruptcy: There is Hope for Struggling Borrowers

Student Loan Debt and Bankruptcy: There is Hope for Struggling Borrowers

“Federal student loans can be discharged through bankruptcy by proving "undue hardship"—a three-pronged legal test examining your ability to maintain minimal living standards, whether financial hardship will persist, and your good faith repayment efforts.’

Understanding Credit Bureau Practices: How Affirm and Klarna Assess Your Creditworthiness

Understanding Credit Bureau Practices: How Affirm and Klarna Assess Your Creditworthiness

“Affirm reports consumer payment data to both Experian and TransUnion. Beginning April 1, 2025, Affirm expanded its credit reporting to include all pay-over-time products, including its popular Pay in 4 option. This means your payment history, outstanding balances, and loan terms now appear on your Experian and TransUnion credit reports.”

Comprehensive Estate Planning: Securing Your Legacy at Every Stage

Comprehensive Estate Planning: Securing Your Legacy at Every Stage

“Estate planning is a crucial process that ensures your assets are protected and your wishes are honored throughout your life and beyond. At our law practice, we understand the importance of a well-structured estate plan that addresses all stages of life. Let's explore the key components of lifetime planning, medical planning, and death planning.”

Navigating Bankruptcy: What Happens to Cars You Own but Didn't Pay For?

Navigating Bankruptcy: What Happens to Cars You Own but Didn't Pay For?

“Bankruptcy laws include exemptions that allow you to keep certain assets, including a portion of your car's value. These exemptions vary by state, so it's crucial to check your local laws. For example, in Wyoming you are allowed to exempt up to $5,000 of a car's value, while others might offer more or less. In Charlotte, North Carolina the limit is $3,500.00.”

The Fair Debt Collection Practices Act (FDCPA): Protecting Consumers from Unfair Debt Collection Practices

The Fair Debt Collection Practices Act (FDCPA): Protecting Consumers from Unfair Debt Collection Practices

“The Fair Debt Practices Collection Act primary goal is to eliminate abusive practices in the collection of consumer debts. It promotes fair debt collection and provides consumers with an avenue for disputing and obtaining validation of debt information. The Act applies to personal, family, and household debts, including money owed on credit card accounts, auto loans, medical bills, and mortgages.”

“I didn’t know a thing about bankruptcy, I needed to get back on my feet and unfortunately I couldn’t do it by myself. This is where Hishaw Law comes in, she was a Godsend. She walked me through every detail of what I needed to have and what I needed to do to get my bankruptcy started. Any time I had a question, concern, freak out, she was there to help me through it. I never had any doubt that she was doing her job and doing it very well. I would highly recommend Attorney Hishaw for your attorney needs.”

-Kendra, Bankruptcy Client 2018

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If you need to file bankruptcy and you live in Wyoming or Charlotte, NC contact us by phone or email #bankruptcy #Chapter7 #Chapter13 #charlotte #charlottenc #debt #creditcards #medical #medicaldebt #foreclosure #garnishment
There are several types of bankruptcy. The most common is Chapter 7 which gets rid of credit card and medical debt and Chapter 13's which stops the foreclosure of your home. If you need to file bankruptcy give us a call at 1.307.228.0407 if you liv
It's important to know how to continue to build up your credit even after you file bankruptcy. If you need to file bankruptcy give us a call at 1.307.228.0407 if you live in Wyoming or 1.704.218.9883 if you live in the Charlotte, NC area. You can al
All reported assets are taken into account when you file Chapter 7 bankruptcy. If you need to file bankruptcy give us a call at 1.307.228.0407 if you live in Wyoming or 1.704.218.9883 if you live in the Charlotte, NC area. You can also email us at
If your debt is primarily in uour name and you are married, you can file Chapter 7 bankruptcy separate. If you need to file bankruptcy give us a call at 1.307.228.0407 if you live in Wyoming or 1.704.218.9883 if you live in the Charlotte, NC area.
If you are married you can file bankruptcy separately. Give us a call, we can help. There are several types of bankruptcy. The most common is Chapter 7 which gets rid of credit card and medical debt and Chapter 13's which stops the foreclosure of
If you are creditor it's important to file a proof of claim in a timely manner prior to the 341 Meeting of the Creditors. If you need to file bankruptcy give us a call at 1.307.228.0407 if you live in Wyoming or 1.704.218.9883 if you live in the Char