How Virtual School is Changing NJ Real Estate Needs

nj real estate

As the coronavirus pandemic has more kids receiving virtual schooling, students working from home need to have a designated space for doing their schoolwork. Discerning homebuyers with no way of knowing when their children will be returning to in-person schooling, are keeping this in mind in their home search. Whereas previously parents could rely on classrooms, playgrounds, and rec centers to fulfill their children’s educational and recreational needs, social distancing precautions have changed this. If you are looking for a new home with school aged children, here are some things to keep in mind for your NJ real estate wish list.

1. Multi-Purpose Room

While having additional space for a playroom or computer room for children is always a plus, virtual schooling makes this room a necessity. A home with an extra room with no designated purpose can allow you to set up a learning space that will enrich your children’s school year. Having enough space for a desk, a big table for projects and crafts, and a comfortable reading area can go a long way toward making your children feel supported in their educational pursuits. Children will also enjoy helping in the design of their own “classroom” and it can make the sometimes daunting task of virtual schooling a little easier for everyone.

2. Get Creative with Your Space

Just because a house doesn’t have a designated multi-purpose room doesn’t mean it should automatically make your “no” list. There are plenty of ways to creatively set up your home to fit your needs right now. A room traditionally used as a dining area can be a great study space for younger kids, allowing you to be close at hand to answer questions while also getting things done around the house.

Opting for a home with bigger bedrooms can allow you to section off part of the room to use as a work space for older, more independent children. A breakfast nook can be transformed into a temporary reading corner. There are no hard and fast rules about how to set up your new home, so think outside the box.

3. Storage Space is Important

If you have kids, you know how quickly their space can turn into an out of control mess. Clutter can make it difficult for anyone to focus, including your little ones. Finding a home with plenty of storage opportunities will help you keep your kids organized and on track. A room with a big closet for bins of supplies or walls big enough for shelving will go a long way in helping you organize their daily learning experience.

4. Block Distractions

Keeping your kids focused on their studies can be easier said than done, especially if a little sister is crying in the next room or an older brother is participating in virtual school (with a different teacher) right beside him. Finding a space big enough to separate your children is important. Even if you cannot have your children in separate rooms, a big room that lends itself to being sectioned off can help your children focus on the task at hand and get the most out of their studies.

Coronavirus has changed the way our daily lives look and we are all adapting the best we can. If you are looking to find a home to better suit your family’s needs, Veitengruber Law can help. We work closely with many New Jersey real estate agents and would be happy to connect you with someone knowledgeable in your area!

 

Pandemic Parents Ask: Should I Quit my Job to Homeschool my Kids?

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As kids start back to school this month, NJ families are grappling with how to adjust to the changes many school districts are making in response to the pandemic. Parents are trying to balance work with their children’s virtual learning and even when children are attending school in person, adjusted schedules mean it can be difficult to find childcare. As more responsibility for education falls on parents, some are wondering if they should leave the work force in order to care for their children. Are you financially prepared to take this step? Answer the following questions to help you decide.

1. Are You Eligible for Paid Leave?

Taking a leave of absence might buy you the time you need to care for your children while maintaining employment. The Families First Coronavirus Response Act includes provisions allowing parents to take 12 weeks of paid leave to care for a child if their regular child care provider is not available because of the pandemic. Leave can be intermittent or all at once as long as it is before the end of the year. This paid leave only provides two-thirds of your salary and is only applicable to: (1) employees of public entities or private companies with more than 500 employees, (2) employees that have been working for at least 30 days, and (3) employees that are unable to work remotely. If you do not qualify for paid leave under the Families First act, consider talking to your boss to see if they can accommodate your new parenting reality. You may be surprised by their response!

2. Is it Possible for You to Work from Home?

Many Americans are already working from home all or part of the time in order to comply with rules regarding social distancing as the coronavirus pandemic stretches on. Even if you think you wouldn’t be able to effectively do your job from home, it’s still worth checking into. Businesses all over the world have had to change the way work gets done, and right now flexibility is key to success. Be prepared with helpful suggestions when you approach your superior(s) with this request. The easier you make the transition for them, the better your chances are of getting approved for telework.

3. Can You Adjust Your Hours?

If you aren’t eligible for paid leave, it may be possible to change your working hours. Depending on your job, you may be able to shift your work hours to maximize your time at home during school hours. Another viable option may be working opposite hours of your parenting partner, if you have one, allowing you both to focus on your children when they need you.

4. Can Your Family Survive With Less Income?

If you decide that cutting back your hours or leaving the workforce entirely is the right choice for you, think about how this reduced income will affect your family. Determine what your essential expenses are, and compare that number to your family’s lower income with you not working. If you can match the expenses, perfect! If not, you may need to look for alternative, part-time work that you CAN do from home (see #5).

5. Can You Find More Flexible Work?

If you do need to supplement a spouse’s income in the event that you leave your job, it is important to know ahead of time how you will bring in extra money. Virtual learning itself has created the need for online tutoring and mentors. Childcare jobs are also abundant due to daycares and after school programs being canceled. If you have other marketable skills, you can try freelancing. There are many grocery and food delivery services being offered right now that would allow you to work weekends or nights.

Families across NJ are facing new and challenging obstacles this school year. If you are concerned about how to balance your child’s academic success with your financial security, you’re not alone. Under the guidance of the Family First Coronavirus Response Act, you have options to help prevent you from going into debt in order to care for your children.

What Does the Extended Foreclosure Moratorium Mean for You

Originally set to expire at the end of August, the moratorium on foreclosures has been extended through the end of 2020. Fannie Mae and Freddie Mac have extended their forbearance options on single-family mortgages until December 31, 2020. As of April of this year, nearly 3.8 million homeowners were in forbearance. If you are struggling with your mortgage payment right now, it might be time to ask your loan provider about mortgage relief options.

The CARES Act was created to help those impacted by pandemic-related health complications or financial setbacks. Under this act, borrowers are able to ask for a pause on or a reduction of monthly mortgage payments. Forbearance can be taken for up to a year in 6 month increments. If you are a homeowner in forbearance due to issues surrounding COVID-19, your mortgage servicer can even offer to defer missed payments until the home is sold, refinanced, or the loan is paid in full. The additional moratorium on foreclosures applies to over 28 million enterprise-backed mortgages (mortgages backed by Fannie Mae or Freddie Mac).

Prior to June of this year, it was unclear how these missed payments would be paid back after the forbearance period ends. The Federal Housing Finance Agency (FHFA) announced in Summer 2020 that they were working towards an agreement that would allow homeowners to tack on missed payments to the end of their loan. This would extend the life of the loan but save homeowners from having to make a lump sum payment to pay back the payments they missed during forbearance.

It is important to note though, that if you move or refinance you will need to pay back any missed payments at that time. If you are considering moving or refinancing anytime soon, you will want to explore other options with your mortgage servicer. You also need to keep in mind that these missed payments can add up to more than just your monthly mortgage payment amount since the deferred total will include principal, interest, and escrow advances.

Another alternative to paying back the missed payments is to pay a higher monthly bill for a designated period of time until you have caught up. This would still allow you to pay off your mortgage according to the original timeline while repaying missed payments a little bit at a time. If your income reduction or unemployment is likely to be long term, you may be eligible for a permanent mortgage modification. Regardless of the option you choose, always make sure you understand the exact terms of any mortgage relief plan before you agree to it.

If you are interested in finding out more about the forbearance options available to you, contact your mortgage servicer to inquire about their mortgage relief options. Veitengruber Law can help you work with your loan provider to figure out what is available to and appropriate for you. Our goal is to help you stay in your home while exploring ways to minimize your financial difficulties.

How Can I Protect My Credit Score During the Pandemic?

credit score during the pandemic

Protecting your credit score during the pandemic of 2020 is definitely challenging. With widespread unemployment, income loss, and people out of work due to social distancing measures, many Americans are worried about how the current state of the economy will impact their finances long-term. The uncertainty of things might have you putting off big purchases for now, but you’ll want your credit score to be ready should you need it in the future to buy a house, a car, or secure a loan. Here are a few ways to protect your credit score now so you can assure more financial opportunities in the future.

1. Watch Your Credit Report Closely

Even during better economic times, it is important to keep track of your credit report. Signing up for a free credit monitoring service can help you stay on top of your report and score. Through April 2021, the top three credit bureaus are offering to allow consumers to access their credit reports for free every week. By keeping up with your credit report from week to week, you can make sure your lenders are following any agreed upon accommodations and that your identifying information has not been compromised.

2. Keep Up with Your Payments as Long as Possible

A late payment here or there might not seem like a big deal, but these negative marks on your credit report can cost you big time later. Late payments can stay on your credit report for up to seven years. For this reason, it is important to make your payments on time and in full for as long as you possibly can. If you know you are struggling and may not be able to make the minimum payment on time for an account, contact your lender immediately. Many lenders are being proactive and offering extensions, interest rate reductions, forbearance, and other flexible options for those impacted by COVID-19. Make sure you get written confirmation of any agreement made with your lenders.

3. Understand Your CARES Act Protections

The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides consumer protections to help you maintain your credit score through the pandemic. Some agencies and companies that report borrower information to credit bureaus have to follow specific requirements during this time. If you request special accommodation under the CARES Act, your creditors will report your account to the credit monitoring agencies based on your credit score at the time the accommodation took effect. As long as you are working with your lenders and sticking to your agreement, your credit score should be minimally impacted.

4. Protect Your Identity

This is always crucial, but amid a global pandemic that has seen a rise in identity theft scams, it is more important than ever. Hackers and cybercriminals can use your information to open accounts and access new financial resources. If unchecked, this can have a major negative impact on your credit score. Much of the damage is reversible, but it will cost you time and money. This is why it is worth it to sign up for a credit monitoring service to ensure you are on top of how your information is being used.

It is more important now than ever to be proactive about protecting your finances. If you are worried about falling behind on debt due to the COVID-19 pandemic, Veitengruber Law can help. After consulting with you, we’ll suggest debt management solutions that are tailored to your unique situation to help you get through the pandemic.

I Can’t Pay my Credit Card Bill! What Should I Do?

can't pay my credit card bill

Missing just one payment on your credit card or even paying late by just a few days can result in hefty fees, added interest, and a negative impact on your credit score. If you are facing financial difficulties due to COVID-19 and struggling to pay your credit card bill(s), the best thing you can do is let your credit card company know as soon as possible. While this might seem intimidating, it doesn’t have to be. Credit card companies know financial issues arise and it is in their best interest to work with you to make sure they can get paid.

If you need to contact your credit card company to request relief, here are some important steps:

1. Let Your Credit Card Company Know ASAP

As soon as you realize you are about to be financially impacted by the coronavirus pandemic, alert your creditors. You are certainly not alone in needing help during this time and many credit card companies have implemented programs to help those who have lost income due to the pandemic. You will likely need to provide documentation to verify your current situation, but the sooner you reach out, the better your chances of being granted the help you need.

2. Ask Specific Questions About Credit Card Relief Packages

Your credit company likely already has a few options they can provide you as far as credit card relief packages. It’s important that you’re absolutely comfortable with the terms of a package before you agree to it. It is helpful to have a list of questions prepared before the call to help you stay focused. Here are some key questions:

  • If I cannot make a full payment due to issues from the coronavirus pandemic, do you have a financial relief program available?
  • What kind of fees can I expect from these options?
  • Will interest accrue if I lower or defer my monthly payments?
  • How long is the relief period?
  • Will there be an opportunity to reevaluate the relief if I am still unable to make payments at the end of the relief period?
  • What information do you report to the credit reporting agencies?
  • Will I still be able to use my credit card if I request relief?

3. Get a Copy of the Agreement

If you do decide to enroll in a financial relief program through your credit card company, you need to make sure you understand the full terms of the agreement before you sign anything. Once you agree to the terms of the relief option, you need to get a written copy of the terms for your records. Make sure you continue to look at your credit card statements each month to check for errors and to make sure your credit card company is following the rules set forth in the agreement. If anything seems amiss, you should dispute it with your credit card company as soon as you can.

If you are unable to make your credit card payments or reach an agreement with your credit card company, you still have options. We can offer debt management solutions that are specifically tailored to each client’s unique financial situation. Reach out to us if you’ve attempted to negotiate with your creditor(s) without success. Veitengruber Law can (and wants to) help.

NJ Foreclosure in the Time of COVID-19: Can I Lose My Home?

NJ foreclosure

If you have lost some or all of your income over the last few months and are worried about losing your home, there is some good news. Executive Order 106 was issued by NJ Governor Murphy in March. This order halted all evictions throughout New Jersey through the duration of the COVID-19 crisis. The eviction moratorium states (with rare exception) that no homeowner can legally be removed from their home due to NJ foreclosure at this time.

It is important to note that the eviction moratorium does not impact court proceedings that are already underway; it only prevents physical removal from the home. Your home can still enter into a final judgment of foreclosure, and a sheriff’s sale of the property can occur.

IMPORTANT: Lenders cannot begin a new foreclosure proceeding on a single family, federally backed mortgage until August 31—although this date may be extended.
***If you do not have a federally backed mortgage, your lender can initiate foreclosure actions now.***

The Foreclosure Office and New Jersey Courts will still be processing new foreclosure actions (that aren’t federally backed) during the eviction moratorium period. Most uncontested foreclosures will be processed fully. All court hearings for contested foreclosures are being held remotely via phone or internet. Again, while the NJ foreclosure process can proceed, evictions cannot take place during the eviction moratorium. Unless the moratorium is extended, it will expire on October 31.

My renters can’t pay their rent, so I can’t pay the mortgage!

If you own a one-to-four unit residential building, federal servicers are required to allow you a 180-day grace period for mortgage payments, along with an additional 180-day extension. During this time, you cannot be charged fees, penalties, or interest on top of what you would normally accrue. If the residential building you own is more than five units, you are eligible for a grace period of up to 90 days.

What can I do if my mortgage is not federally backed?

The NJ government is working with private lenders to encourage relief for their borrowers. This can include a 90-day grace period on payments and fees, an agreement that late payments will not be reported to credit agencies during a specific period, and/or a 60-day moratorium on initiating foreclosure proceedings.

Of equal note is that as of March of this year, NJ’s electric and gas utility providers agreed to suspend utility shut-offs. Some companies have sent out shut-off notices, but so far companies seem to be holding off on actual shut-offs. That being said, you are still expected to pay your electric, gas, and water bills. Even if you cannot pay now, these payments will need to be made later. Call your utility servicer to try to work out a repayment plan if you are at risk of not being able to make your regular payments.

Veitengruber Law has years of experience helping NJ homeowners save their homes from foreclosure. If you are having trouble paying your mortgage and face foreclosure, we can offer you solutions to fit your specific needs. We know how to negotiate with lenders, utility companies, and landlords, and when it comes to helping our clients out of debt, we’ve seen it all. Don’t be afraid to ask for help.

Should I Refinance My Student Loans During a Pandemic?

refinancing your student loans

The recent trend in low interest rates has led some to refinance various loans. From home loans to student loans, refinancing has generally allowed people to reduce their interest rate and save money. But should you refinance your student loans? The answer to this question probably depends on what kind of student loan you have. Whether you have federal or private student loans, here is everything you need to know about refinancing.

Refinancing involves acquiring a new loan to pay off all or some of your existing student loan debt. With this refinancing, your student loan terms will change along with your interest rate. Depending on your payment history and your credit score, you may be eligible for a lower interest rate than you previously had, saving you money. Refinancing is not consolidation, which allows you to combine all or some of your loan together into one payment. Consolidation also allows you to change the terms of your loan to lengthier timelines that will decrease the amount you need to pay monthly. Consolidation won’t necessarily save you money, though, while refinancing likely will.

A word of caution: while it is absolutely possible to refinance federal student loans, it is not necessarily advisable to do so. Because there is no federal process through which to refinance your loans, you will have to go through a private lender. Utilizing a private lender may very well get you a lower interest rate and save you money in the long run. Federal loans, however, come with benefits. Government loans offer income-based repayment plans, forbearance options, and forgiveness programs. You will not have access to these programs if you refinance through a private lender.

The best way to decide if you should refinance your federal student loans is to look at your potential savings. Check your credit score to see which lenders might be the best fit. Make sure you pre-qualify and try to determine what your interest rate would be. The prequalification process can also help you compare loan offers without negatively impacting your credit score.

It’s important not to solely focus on how much refinancing will save you month to month. You should also look into your overall savings and how quickly you could pay off the loan. Another option is to look into employer loan assistance. You may be surprised at what your employer offers. If you are looking for a job, try negotiating this into your benefits package.

Refinancing is not the only option for decreasing your monthly student loan payment or the time you spend paying back your loan. You can make extra payments or pay more than you owe each month to reduce the principal of your loan quicker and save on interest. Many lenders offer auto pay discounts. The savings you earn from these discounts can go towards extra payments on your loans.

While everyone wants to save money, take stock on whether or not saving money on your federal loans by refinancing is the right move for your specific situation. There are many different approaches to eliminating student loan debt as quickly as possible. If you are looking for help with debt management solutions, Veitengruber Law can help.

What to do When Unemployment Assistance Ends


Image: “Pay Bills Key” by GotCredit

Last month saw the end of the $600 per week unemployment benefit. Many Americans are still unemployed as COVID-19 restrictions remain in place and companies continue to face uncertain economic times. If you are still unemployed and struggling to keep your head above water, there are some actions you can take right now to stay afloat. Here are three ways to stretch your finances long enough to get through this economic rough patch.

1. Take Advantage of Other Government Programs

Many unemployment provisions offered by the CARES Act have now ended. But that doesn’t mean there aren’t other government assistance programs you can take advantage of. The Supplemental Nutrition Assistance Program (SNAP), Temporary Assistance for Needy Families (TANF), and Women, Infant, and Children (WIC) program are three great assistance programs if you are really struggling. You may also benefit from the Pandemic Electronic Benefit Transfer (P-EBT) which helps households who no longer have free or reduced school lunch for their children due to COVID-19. If you are entitled to these programs, don’t hesitate to access those services.

2. Pay Everything Manually

If you have your bills and savings commitments automatically debited from your bank account, it’s a good idea to switch to paying manually for now. If you are unemployed, your source of reliable income is gone. Without this, you can easily overdraft or end up paying late fees. This is especially true if you are at the point that you are deciding which bills to pay based on grace periods and knowing when late payments will be reported to credit bureaus (you can get this information from your lender/creditor). While it is never advisable to put off paying your bills, the unfortunate reality is that many Americans are making these choices. Paying things manually gives you increased control over your finances.

3. Borrow From Retirement Accounts (but only as a Last Resort)

The savings you have built up in your 401(k) or IRA may look very tempting right now. The CARES Act even includes exemptions on penalties for early withdrawals up to $100,000 and spreads tax liabilities for withdrawals over three years—but it still isn’t a great idea. Those tax liabilities could come back to haunt you if you have also received other forms of untaxed income in 2020. For instance, if you have been receiving unemployment benefits, they could end up being a significant tax liability if you are also combining them with early retirement savings withdrawals. You do not want to swim now just to sink come tax season. You will also lose out on all the compounding interest you earn if you withdrawal those funds from your retirement account.
The bottom line: Do it if you absolutely have to – only if you have exhausted every other option.

The current economic crisis and global health situation have created many difficult financial scenarios. When you are struggling to put food on the table, it can seem like a near impossibility to focus on credit card or loan payments. If you are finding yourself slipping deeper into debt during this time, you have options. Veitengruber Law can help you get back the control over your finances. This isn’t easy for anyone, but there are solutions to help you get to the other side of this crisis.

 

 

The New Small Business Bankruptcy Option

small business bankruptcy

In August 2019, a new law went into effect providing small businesses with a simplified way to go though bankruptcy proceedings without having to first sell off all their assets. The Small Business Reorganization Act (SBRA) allows small business owners to continue normal business operations even during and after bankruptcy proceedings. The new law makes this process faster and easier than ever before—and that can be huge for small businesses suffering from the economic fallout of COVID-19.


Businesses with limited debt can set up a repayment plan that must be accepted by creditors. 


The SBRA added a new section under Chapter 11 of US Bankruptcy Code in Subchapter V. This new section allows businesses with debt below a certain amount to go through a streamlined bankruptcy process in which a new repayment plan is established and must be accepted by creditors. Creditors do have a say, but their input is limited. Unlike Chapter 7 bankruptcy, a small business would not need to sell off assets to settle debts, or meet the stricter requirements of Chapter 13 bankruptcy or the high fees and complexities of a typical Chapter 11 bankruptcy.

If your business has taken a hit due to coronavirus restrictions but is likely to resume profitability once things return to normal, this may be a good move for you. The whole purpose of Subchapter V is to make a reorganizational bankruptcy accessible for small businesses. To be eligible for SBRA, your business must have debts totaling less than $2,725,625. (NOTE: This threshold has been temporarily increased to $7,500,000 for the next year to account for the current economic crisis.) Half of your debt must be related to “business activity.”

Once you apply for bankruptcy under Subchapter V, creditors will not be able to continue collection efforts and your business will not have to make any payments until your repayment plan has been approved. You will have 90 days to file your bankruptcy plan with the court. This plan should include input from your creditors, normally with the help of an attorney or accountant. The court will approve the plan as long as it is fair to creditors and financially realistic for your business. The court can also present you with their own plan.


The SBRA is for those businesses that were affected by COVID but can rebound when “normal” returns.


These changes allow small business owners to hold on to their properties and other personal assets if they have combined their personal and business interests. So if you have utilized your house as collateral for your business, the new law would allow you to keep your home while reorganizing your business. This can take a lot of stress out of the bankruptcy process for small business owners worried about losing not just their business, but also their home.

If your business has been struggling due to the economic impacts of COVID-19, you should speak to a bankruptcy attorney before choosing a plan of action. Veitengruber Law can help you navigate this new bankruptcy law and determine if it is the right path for your business. Choosing to declare bankruptcy is never an easy decision, but SBRA could make it a lot easier for small business owners to keep things running long enough to survive the current economic crisis.

Filing for NJ Bankruptcy Because of COVID-19

filing for NJ bankruptcy

Throughout the pandemic, many Americans have been piecing their finances together bit by bit to get by. This has sometimes meant deciding which bills and debts will go unpaid in order to stay above water as long as possible. As business closures and restrictions stretch into the second half of the year, many are facing the reality that these “temporary” setbacks aren’t going away anytime soon. If you are one of the many Americans who have accrued a substantial amount of credit card debt, personal loans, or missed payments due to financial hardships caused by COVID-19, you aren’t alone. Filing for NJ bankruptcy may help you get out from under your debts so that you can face whatever challenges the future holds.

When you take on debt, the creditor’s expectation is that you will be paying back that debt. When you cannot pay back that debt and a bankruptcy occurs, the bankruptcy court will determine which debts can be discharged and which debts the borrower will still be responsible for. The circumstances surrounding debts accrued during COVID-19 are a specific scenario that courts have had little experience dealing with previously.

There are certain rules that govern what debts will be considered for discharge during bankruptcy. For starters, individuals who have incurred debt for “personal use or purpose” are restricted in the debts they can discharge. Generally, if it’s clear that a debtor is likely going bankrupt, any debts accrued during that time period (deemed unnecessary) cannot be discharged. So, if you lost your job and are unable to pay your bills and therefore know you are likely headed for bankruptcy, you cannot charge an extravagant getaway to your credit card knowing you don’t intend to pay back the debt.

Because of this, debts deemed mostly “consumer debts” can be denied discharge or be converted to be covered under Chapter 13 bankruptcy. Under Chapter 13 bankruptcy, debtors have a set period of time to pay back debts under an agreed upon repayment plan. Consumer debts are considered any debt accrued for personal, family, or household purposes. This includes vacations, clothes, and entertainment—but it also includes food, utilities, and medical debts.

There is the potential for the debtor to argue in court that the consumer debt incurred was not voluntary. Legal precedent does exist for debtors to win the argument in court that debts not “voluntarily incurred” should be eligible for discharge under Chapter 7 bankruptcy. But this determination is entirely up to individual courts and judges. For instance, a judge may determine a life saving medical treatment—while clearly for personal use—was not voluntarily incurred and therefore is eligible for discharge, whereas a cosmetic medical procedure would not be.

This entire scenario calls into question exactly what debts are voluntary and which debts are necessary to sustain normal life. The reality of these questions is even more complex in the face of the coronavirus pandemic. The choices made by the debtor when it comes to consumer debts will be closely scrutinized— but so will whether or not the debt(s) could be avoided due to the very unique circumstances we’re all living through.

In many ways, the current situation in the US is unprecedented. Debtors will have to work closely with debt counselors, attorneys, and creditors in order to find solutions to these issues as bankruptcy cases caused specifically by COVID-19 are on the rise in America. Veitengruber Law is an experienced bankruptcy law firm and, more importantly, WE CARE ABOUT OUR CLIENTS. We can provide guidance throughout the bankruptcy process. If COVID-19 is impacting your finances, we can help you find solutions to manage your debt. We promise that if you reach out to us, your problem will not be ignored.