Financial Management for Small Businesses: Four Healthy Money Habits

Increasing your bottom line isn’t always about raising prices or bringing in new clients. A big part of a small business’s financial health that often gets overlooked is wisely managing the money you already have. Smart financial management can make a huge difference for your profit margins, so we recommend getting into these four healthy […]

How to Get Back into the System After Failure-to-File

Failing to file your tax returns is a serious (intentional or inadvertent) oversight that will assuredly get you attention from the IRS. However, failure-to-file is not an uncommon issue for many American taxpayers. If you have found yourself in this situation, know that you do have control over what happens next, but it will take […]

Four Bankruptcy Alternatives You Should Know About

When times are difficult financially, you may begin to feel a creeping fear that you will need to file for bankruptcy, either personally or for your business. It is important to understand that, while sometimes bankruptcy really is the best option, there are also some alternatives that you should consider first. In today’s blog post, […]

Understanding Wage Garnishments

If you are already anxious about your personal financial situation because of incurred debt and the constant calls from debt collectors, your stress could be exacerbated by wage garnishment. This practice, which can (usually) only occur after a court has so ordered it, is a situation in which creditors have secured a judgment that legally […]

What Happens If Your Bank Accounts Are Frozen After Bankruptcy

It’s a somewhat rare occurrence, but at times it does happen. What would you do if the bank froze your account after you filed for bankruptcy? Today we’re answering all of your questions about this undesirable possibility. Why would the bank freeze my account? There are a few reasons a bank might freeze your account […]

A Brief Overview of the Common Chapters of Bankruptcy

Nobody wants to consider filing bankruptcy, but contrary to popular belief, it isn’t the end of the world. When you’re having debt problems and facing a repossession or foreclosure, it can actually be good for you. Bankruptcy stops all collection actions, such as wage garnishments, lawsuits, and harassment by third-party debt collectors. It can get […]

How a Divorce Can Impact Your Bankruptcy

If you’ve filed for bankruptcy, it’s not unlikely that tensions are running high at home. Relationship issues often come hand in hand with financial issues, and money trouble can really pull at any of the pre-existing little cracks in your marriage. Money is not only one of the biggest things couples argue about — it’s […]

4 Myths About Bankruptcy

When considering bankruptcy, it’s important to be sure that you have the facts straight! There are a lot of myths and misconceptions out there regarding bankruptcy, from what it implies about the person filing, to how the process works. At Hedtke Law Group, we don’t want you to let the myths keep you from solving […]

Top 5 Things You Need to Know About the Fair Credit Reporting Act

Have you recently pulled your credit report, only to discover inaccuracies? Have debt collectors been calling you about accounts you’ve already paid or debts that were discharged in an earlier bankruptcy? If so, you have the right to request that these errors and omissions be corrected. There are different types of consumer credit reporting agencies. […]

Ready to File for Bankruptcy? Here’s the Process

If you are overwhelmed by calls from creditors and terrified of your house being foreclosed, bankruptcy might be the right option for you. Many people cringe when they hear the word “bankruptcy.” They think of it as a sign of failure. But it isn’t! At Hedtke Law Group, we think of bankruptcy as a fresh […]