A woman who gave birth to a baby is charged $1,600 for an epidural she figures should be covered by her insurance. The reason? She “chose” to go to an out-of-network provider. Hence, her insurance would not cover the expenses.  In 2017, California passed a bill preventing insurance companies from charging for out-of-network services. In...

Some people think of bankruptcy as a personal failure, but the truth is that a healthy economy needs a bankruptcy system. The bankruptcy code does not just provide relief to debtors; it also provides relief to creditors.  Imagine if multiple creditors were all filing claims against the same individual. Whichever creditor got there first would...

Bifurcated bankruptcy agreements are the latest trend in bankruptcy. I bet you did not know that bankruptcy had trends. But just like fashion, bankruptcy has trends. It is just that no one knows about them until they need to file for bankruptcy. The latest trend is called a bifurcated fee arrangement. Typically, debtors need at...

Unless you are a bankruptcy attorney, there would be no reason for you to know this. But traditionally, bankruptcy attorneys accept payment before filing bankruptcy as opposed to after. Why? The bill we present you with might be discharged as part of your bankruptcy. However, in some cases, a petitioner for bankruptcy might be in...

No. Before we get into the Texas two-step, it is important to understand that major corporations have all the benefits of being a “person,” but unfortunately, they incur few of the responsibilities. The Texas two-step is a method for major companies to deal with lawsuits resulting from major class-action lawsuits or “nuclear verdicts.” The process...

A recent lawsuit filed by a debtor against a law firm claims that the law firm violated the terms of the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a piece of federal legislation that prevents debt collectors or agents for creditors from harassing debtors or taking illegal actions.  In this case, the debtor...

Creditor harassment occurs when a debt collector does something illegal to collect a debt. Federal law makes certain types of conduct illegal. Additionally, Indiana state law also makes it illegal to harass, annoy, or make threats against a debtor. Creditors can only threaten action that is within their ability to carry out. So, if a...

For anyone who is currently facing creditor harassment, phone calls, or lawsuits, this is important information to have. You are not liable for every debt that you owe. Every state has its own rules on how long a debt is collectible. In Indiana, a debt is collectible for 10 years. That means after 10 years,...

More and more folks in Indiana are betting on sports using popular apps. The days of bookies handing out cards at the bowling alley are long gone. Today, all you need is your phone and a credit card. Therein, of course, lies the problem. Gambling is addictive, and many lose control of the impulse quickly....

To be sure, “crypto winter” began this summer after two major companies announced bankruptcies and insolvencies. Celsius began the crypto bankruptcies, which soon resulted in a second bankruptcy of the Voyager exchange platform. Now that bankruptcy has been declared, every investor on the platform has had their assets frozen as those assets are now a...