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Denbigh Law Center does not provide services to renegotiate your mortgage(s). The Bankruptcy Code itself does not provide a mechanism whereby your first mortgage payments can be reduced. However, resources are readily available from various websites to determine if you are eligible for such adjustments under the newly established “Making Home Affordable” programs.

'Debt Settlement' companies.* It seems that there is a new one of them every week. They tout "you have the legal right to settle your debt for less money than you owe!" Well. duh! Statements such as the above sound good when shouted across the airwaves in an announcer quality voice, but they are meaningless.

Credit repair' companies seem to abound on the radio, the internet and on late night TV. You probably have at least the following questions and observations about them. Do They Work? How Do They Work? Without Success How Are These Companies Able To Pay For Their Advertising? Post-Bankruptcy Issues Well, let's address these one at

Occasionally, a client will come into our office with an annual income ranging from $15,000 to $30,000 per year and $20,000 to $30,000 worth of credit card debt . One of the first things that the client will tell us is that his credit rating is "A1." All credit card payments have been made on

Many clients come into our office after they have fully liquidated their 401(k) or other retirement plans to try to fully pay off their creditors. After that, they realize that the funds were not sufficient to do such. Further, they soon realize that that the tax penalties and burdens associated with liquidating a large 401(k)

Planning the Future & Protecting Your Family   One of the principal tools used in estate planning today is the Revocable Living Trust. In fact, more than half of individuals now uses a Revocable Living Trust in lieu of a Will to provide for the transfer of their assets at death. In addition, married couples