As the founder at Nicole Metzger Law, I’ve seen firsthand how debt can weigh heavily on individuals and families. One of the most surprising and often overlooked consequences of settling a debt for less than you owe is the potential tax liability that can arise. Many people are unaware that […]

In today’s economy, it’s not uncommon for car owners to find themselves “upside down” on their auto loans—owing more on their vehicle than it’s worth. This situation, known as being “underwater” on a car loan, can be financially stressful and challenging, especially if you’re facing other financial difficulties. However, for […]

When facing significant financial hardship, bankruptcy is often a lifeline for individuals overwhelmed by debt. While it may seem like a daunting process, bankruptcy offers a legal way to restructure or eliminate debts, giving people a fresh start. The two most common types of bankruptcy for individuals are Chapter 7 and Chapter 13. […]

Filing for bankruptcy can be a difficult but necessary step toward financial stability. Whether you file for Chapter 7 or Chapter 13 bankruptcy, the process can provide the debt relief you need to get back on your feet. However, many people worry about the long-term impact on their credit and […]

Divorce and bankruptcy are two of the most stressful life events a person can face. Unfortunately, they often go hand in hand. Divorce can put an enormous strain on your finances, with legal fees, spousal support, and dividing up assets, all while adjusting to living on a single income. For […]

At Nicole Metzger Law, we often hear clients express concerns that filing for bankruptcy is akin to a financial death sentence — a decision that will haunt them for the rest of their lives. But the truth is, bankruptcy doesn’t spell doom for your financial future. In fact, it can […]

At Nicole Metzger Law, we understand that considering bankruptcy is a significant and sometimes overwhelming decision. Whether you’re considering filing for Chapter 7 or Chapter 13 bankruptcy, your initial consultation is crucial. It’s our goal to ensure you’re fully prepared, so we can assess your situation accurately and provide you […]

It was a pleasure to have worked with Nicole, she took what was a very stressful situation for me and made it seamless. Nicole went above and beyond -making sure that she dealt with all of my creditors – she guided me through to selecting the correct bankruptcy chapter and […]