David Romito

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‘After School’ Bankruptcy: Obtaining your Transcript

28th September 2009
A surprisingly common scenario is as follows: You recently attended, and maybe even graduated from, a college or university that is now holding your transcript and other such official documents. Unfortunately, however, you have not been able to fulfill yo... Read >

Married but Filing Bankruptcy Individually

01st July 2009
One of the trickier issues in filing an individual bankruptcy is how to handle the situation in which the debtor is married, but his or her petition is individual as opposed to joint, i.e. the spouse does not join in the bankruptcy filing. Of particular i... Read >

Abuse under Section 707(b) of the Bankruptcy Code - An Explanation

06th March 2009
Much has been written about the 'abuse' section of The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. That section, 707(b), is the one that might well be referred to as the 'teeth' in that new bankruptcy law. Practitioners and debtors wh... Read >

The US Trustee's role in a Chapter 7 Bankruptcy case

03rd March 2009
Ok. You're considering filing for bankruptcy relief under Chapter 7 of the bankruptcy code. You may have heard about the 'means test' and how the US Trustee can file motions or complaints under Section 707(b) to dismiss a case or force it to be converted ... Read >

The Chapter 7 Bankruptcy Means Test

21st January 2009
When you file a Chapter 7 bankruptcy petition, the means test is applied to make sure that you really need to file bankruptcy and that you aren't "abusing" the system. That might sound confusing, but it's in most cases a simple test, and the majority of d... Read >