Denise Brown's Legal Direction

The question of what is your "disposable income" for purposes of determining your plan amount under Chapter 13 is essential in determining the Debtor's commitment period under the plan. Current monthly income below the median…more

Your attitude toward money has more to do with whether you will have to file bankruptcy than how much money you earn. Many have earned more than $50M, only to file bankruptcy after a series of poor decisions. No one finds…more

It's a painful consideration, but some marriages do reach the point where consideration separation or divorce become acceptable options. If this is the case for you, knowing the difference between the two family matters is…more

It's time to conduct your family financial and estate fitness checkup for 2011. Take the time to review your basic estate planning documents to determine if changes are needed to place your loved ones in the best position…more

If you want to change your finances, you have to change your attitude toward money. It's true, your attitude determines your altitude. Whether you received a discharge in bankruptcy or just need to make some changes, consider…more

Now is the time to assess your financial and family fitness for 2011. Plan to make forward progress in all areas by conducting a fitness checkup in five key areas. Take the time to review your credit report, set a budget,…more

If you find you are living from paycheck to paycheck with an overwhelming amount of unsecured debt, you may be tempted to jump out of the frying pan and into a Bankruptcy. Slow down and look before you leap. Bankruptcy is the…more

Have you ever been behind on a child support obligation? If the answer is yes, the Kentucky Appeals Court July 16, 2010 decision provides guidance. Ruling that a finding of civil contempt must be related to the amount the payor…more

In Ivy v. Cabinet for Health and Family Services, et. al, 2009-CA-001279-ME (Ky. App. 2010), The Kentucky Court of Appeals reversed a trial court finding of contempt for failure to pay child support. In the instant case, Mom…more

This final article discusses the common sense steps that every debtor/consumer should take to create a more favorable credit score. While it's not rocket science, it does take persistence and patience. Debtor/consumers must be…more

Even after filing bankruptcy, debtors need to pay special attention to financial issues that can survive the bankrutpcy discharge. The most common issue relates to surrendered real estate where the creditor does not move…more

I have often been asked how can I repair my credit after bankruptucy or what can I do to improve my credit score. With an understanding of what makes up your credit score and some tips on positive credit behaviors and what to…more

If you were one of the millions of persons who filed bankruptcy in 2009,you may be concerned about how your bankruptcy filing has affected your credit score. This is the first of four articles designed to educate and inform on…more

Given the massive amount of student loan debt is more than 1 Trillion and has exceeded credit card debt, the next financial bubble will almost certainly involve student loan defaults. In this article, read how one Debtor was…more

If you've pursued all other non-bankruptcy options and your finances continue to deteriorate, its time to take the next step. Don't be paralyzed with fear, but be empowered with information and knowledge to help you make the…more