Episode Summary:

Attorney Jason Cline sheds light on the intricate process of keeping your car during bankruptcy proceedings. Discover key insights on car loans, reaffirmation agreements, chapter 7 vs. chapter 13 implications, and strategies to protect your vehicle while navigating financial challenges.

Key Timestamps:

00:00 – Introduction

01:30 – Keeping Your Car in Bankruptcy

03:45 – Treatment of Car Loans in Chapter 7 vs. Chapter 13

05:20 – Reaffirmation of Car Loans

07:10 – Catching Up on Missed Car Payments in Chapter 13

09:05 – Handling Upside-Down Car Loans through Bankruptcy

11:30 – Bankruptcy Protection against Repossession

13:15 – Deciding to Give Up Your Car

15:00 – Evaluating the Financial Impact of Keeping a Car

17:30 – Preparing for Car Repossession: Best Practices

About the Show:

*Fresh Start* is a podcast series hosted by a seasoned attorney specializing in bankruptcy law. The show offers practical guidance and expert advice on navigating financial challenges, providing listeners with tools to achieve a fresh start in their financial journey.

Episode Summary:

In this episode, attorney Jason Cline sheds light on the misconceptions surrounding credit scores post-bankruptcy. He explains the nuances of credit reporting, the timeline of bankruptcy on credit reports, and the possibilities of obtaining credit after bankruptcy. Jason also shares valuable insights on building healthy credit habits and common mistakes to avoid for a swift credit recovery.

Key Timestamps:

00:00 – Introduction

01:10 – Misconceptions about credit post-bankruptcy

03:25 – Impact on credit score after filing for bankruptcy

05:45 – Duration of bankruptcy on credit reports

07:30 – Access to credit post-bankruptcy

09:15 – Building healthy credit habits

11:00 – Common mistakes in credit rebuilding

13:20 – Speed of credit score improvement

14:45 – Changing perceptions of lenders towards bankruptcy

16:30 – Encouragement for those hesitant to file for bankruptcy

About the Show:

*Fresh Start* is a podcast hosted by attorney Jason Cline, offering insights and guidance on navigating bankruptcy solutions for individuals and families in New Mexico. The show explores the myths and realities of bankruptcy, providing actionable advice for a debt-free future.

Episode Summary: In this episode of *Fresh Start*, Jason Cline breaks down the differences between chapter 7 and chapter 13 bankruptcy, offering insights on debt types, exemptions, and the process involved. Listeners gain valuable knowledge on how to determine the best bankruptcy option for their financial situation.

Key Timestamps:

00:00 – Introduction

01:30 – Types of Debt in Bankruptcy

05:15 – Bankruptcy Exemptions

08:45 – Chapter 7 Overview

11:20 – Income Qualifications for Chapter 7

14:50 – Chapter 13 Overview

17:30 – Unique Aspects of Chapter 13 in New Mexico

20:10 – Factors Influencing Bankruptcy Recommendations

23:45 – Duration and Process of Chapter 7

26:30 – Duration and Process of Chapter 13

29:45 – Qualifying for Chapter 7 vs. Chapter 13

33:10 – Common Misconceptions about Bankruptcy

36:00 – Helping Clients Make Confident Decisions

About the Show: *Fresh Start* with Jason Cline is a podcast dedicated to providing New Mexico residents with practical solutions to overwhelming debt. Attorney Jason Cline, an experienced bankruptcy lawyer in Albuquerque, guides individuals through the complexities of bankruptcy options, offering clarity and support in challenging financial times.

Episode Summary:

In this episode of *Fresh Start*, Jason Cline, an experienced bankruptcy attorney, discusses the common signs that indicate it might be time to consider filing for bankruptcy. From struggling to pay bills to resorting to new debt to pay off old debt, Jason sheds light on key indicators that bankruptcy could be a viable solution for financial relief.

Key Timestamps:

00:00 – Introduction

01:30 – Signs to consider bankruptcy: struggling with bill payments

03:15 – Signs to consider bankruptcy: resorting to new debt to pay off old debt

05:45 – Signs to consider bankruptcy: experiencing extreme stress due to financial burdens

08:10 – Importance of seeking legal advice instead of waiting

10:25 – Addressing the fear and guilt associated with filing for bankruptcy

13:00 – Providing guidance to clients unsure about filing for bankruptcy

16:40 – Impact of minimum payments and borrowing on credit card debt

19:05 – Helping clients decide between paying down debts or opting for bankruptcy

22:30 – Emotional and financial red flags signaling the need for immediate action

25:15 – Addressing concerns about credit score impact and rebuilding post-bankruptcy

28:00 – Offering initial consultation to understand debt relief options and find relief

About the Show:

*Fresh Start* with Jason Cline is a podcast dedicated to providing New Mexico residents with practical solutions to overwhelming debt. Jason Cline, a reputable bankruptcy attorney based in Albuquerque, helps individuals and families regain control of their finances and peace of mind through insightful discussions and expert advice.

In this episode of Fresh Start with Jason Cline, New Mexico bankruptcy attorney Jason Cline explains how bankruptcy can be a powerful tool to stop foreclosure and help homeowners protect their property. He discusses how the automatic stay works, the difference between Chapter 7 and Chapter 13 when saving a home, and common mistakes to avoid when facing foreclosure. Jason also shares practical steps for homeowners to act early, understand their rights, and take control of their financial situation before it’s too late.

00:40 – What homeowners experience when facing foreclosure 01:30 – How filing for bankruptcy stops foreclosure proceedings 02:10 – How the automatic stay protects against collection actions 03:00 – How quickly the automatic stay takes effect 03:30 – Using empathy and professionalism to guide clients 04:30 – Understanding property exemptions in bankruptcy 05:30 – Why Chapter 13 is often better for saving a home 06:20 – How Chapter 13 forces lenders to accept payments 07:00 – Risks of waiting too long to file bankruptcy 08:10 – Advice for homeowners afraid to seek help

Fresh Start with Jason Cline helps New Mexico residents find real solutions to financial hardship. Hosted by attorney Jason Cline, the show breaks down bankruptcy laws in simple, practical terms—so listeners can protect their homes, rebuild their finances, and move forward with confidence.

In this episode of Fresh Start with Jason Cline, experienced bankruptcy attorney Jason Cline explains the bankruptcy means test—how it works, who qualifies for Chapter 7, and what it means for New Mexico residents struggling with debt. He also clears up common misconceptions, discusses how Chapter 13 can still provide relief, and offers practical advice for anyone considering bankruptcy as a way to start fresh.

00:45 – Jason shares his background and why he chose bankruptcy law. 02:10 – Understanding the bankruptcy means test and income calculation. 03:40 – Why Congress introduced the test and how it impacts seasonal earners. 05:00 – What Jason reviews during consultations to determine eligibility. 06:00 – Common myths about income limits and household earnings. 07:30 – How Chapter 13 works when Chapter 7 isn’t an option. 08:30 – Why early clarity matters before filing. 09:30 – Encouragement for anyone afraid to seek help.

Fresh Start with Jason Cline helps New Mexico residents navigate financial hardship with confidence. Hosted by attorney Jason Cline, each episode breaks down bankruptcy laws in simple terms and shows how to rebuild life after debt.