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  • LeverLaw 20 Years Old This Month

    I started my own law firm on March 1, 1995, after leaving Clarkson, Lever & Gore. It was just me and my trusty first-generation Pentium computer, and I spent the first year in an “executive suite” office space—leased month to month. I had few clients, but they were good clients and I took good care of them. ...

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  • The Dreaded SFR – bane of the bankruptcy tax case

    SFR or Substitute for Return is a notation on the “Account Transcript” no prospective bankruptcy debtor wants to see if he or she is looking to discharge otherwise dischargeable taxes. The “discharge” is what eliminates debt: http://leverlaw.com/discharge.php. Taxes need to be at least three years from the date the return was first due and payable, ...

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  • Pay Day Loans: Unsurprisingly, they suck

    I see clients from all walks of life who take out so called Pay Day Loans. They are the worst. Only the extremely desperate should take them out. You may as well make a deal with the devil for your soul. OK, that’s overstating it. And I don’t know about you, ...

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  • In Re Flores Changes Chapter 13 Bankruptcy for Over Median Debtors

    A new case, In re Flores, was decided just recently here in the 9th Circuit Court of Appeals (the federal courts for the furthest west states) that makes Chapter 13 much better for debtors who make more money than the median income in their state under some circumstances. That’s the court just below the U.S. ...

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