Jillian Hishaw
Power of Attorney: Essential Protection for ...

“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.”

Power of Attorney: Essential Protection for Your Financial and Healthcare Future
Jillian Hishaw
Wyoming Homestead Exemption: Protecting Your RV ...

“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).”

Wyoming Homestead Exemption: Protecting Your RV as Your Primary Residence
Jillian Hishaw
Rebuilding Credit After Bankruptcy: Proven ...

“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.”

Rebuilding Credit After Bankruptcy: Proven Strategies for Financial Recovery
Jillian Hishaw
Student Loan Debt and Bankruptcy: There is Hope ...

“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.’

Student Loan Debt and Bankruptcy: There is Hope for Struggling Borrowers
Jillian Hishaw
Understanding Credit Bureau Practices: How ...

“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.”

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

Types of #Bankruptcies

There are six types of bankruptcies:

Chapter 7: Consumer debt i.e. credit card and medical debt

Chapter 9: Municipalities

Chapter 11: Corporation/Enterprises

Chapter 12: Family Farmer/Fisherman

Chapter 13: Individual Debtor with Regular Income i.e. Prevents Foreclosure

Please do not consider this legal advise.  If you need legal representation regardin bankruptcy in Wyoming please contact us at 307.228.0407 or jhishaw@hishawlaw.com

#Fair #Credit #Reporting #Act

The Fair Credit Reporting Act, 6 U.S.C. § 605, is the law that controls credit reporting agencies. The credit bureaus may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Please do not consider any of these posts legal advise. If you need legal advise please consult us if you reside in Wyoming at 307.228.0407.

Holiday #Credit Card #Debt and #Bankruptcy

If you are looking to rid yourself of holiday debt by filing bankruptcy, that is not a good financial resolution.  The 90 day presumption is prior to filing bankruptcy, a debtor knows what he or she can not afford to purchase. When filing bankruptcy, the Court looks at all credit card, bank statements and pay stubs to determine if your case is honest and forthright.  If it is determined your debt exceeds your income, you will be able to proceed.  However, if prior to filing you purchase luxury items i.e. holiday purchase.  The Creditor has a right to object to the elimination of the debt because it was not created out of necessity but luxury.  Excluding the debt from being eliminated in bankruptcy and requiring you to pay the Creditor. 

Please do not consider this post legal advise.  If you need assistance filing bankruptcy in Wyoming please contact us at 307.228.0407 or jhishaw@hishawlaw.com.

 

 

“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

Did you know?? #Bankruptcy #charlotte #charlottencrealestate #charlottenc #debt #creditcards #medicaldebt #foreclosure #Chapter7 #Chapter13 #garnishment #repossession
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