Beware of Bankruptcy Fraudsters

Beware of bankruptcy fraudsters who are calling debtors and demanding money. They lie about who they are. They are using information from bankruptcy schedules to fake you into thinking they are legitimate. Do not fall for their scam. Say no and hang up the phone. Do not send money!


Spoofing Your Bankruptcy Attorney Caller ID

The fraudsters are so slick they change their caller ID to make it look like your bankruptcy attorney is calling you. They demand you immediately pay money to a fake account.  This is a scam. Your bankruptcy lawyer does not do this. If you are uncertain who is really calling, hang up and call your bankruptcy lawyer. Do not wire money.

The National Association of Consumer Bankruptcy Attorneys issued a warning that “Under no circumstances would a bankruptcy attorney or staff member telephone a client and ask for a wire transfer immediately to satisfy a debt. Nor would the bankruptcy attorney and staff ever threaten arrest if a debt isn’t paid.”

“Bankruptcy filers in Vermont and Virginia reportedly have received calls. Vermont’s Attorney General says scammers use software to “spoof” the Caller ID system so the call appears to be originating from the phone line of the consumer’s bankruptcy attorney. Typically the calls come late in the evening or during non-business hours to make it difficult for intended victims to verify the call by contacting their attorney,” according to the Administrative Office of the U.S. Courts.

Consumers receiving this kind of call are advised to hang up and contact their bankruptcy attorney as soon as possible. Do not give any personal or financial account information to the caller.

Read the article online.


Kansas Bankruptcy Means Test Changes November 1 – Mixed Message

Up for Some, Down for Others

Mixed Message

Median income figures used for the Kansas bankruptcy means test change again on November 1, 2015. There is a mixed message. Median income for one earner and a household of two goes down while the median income for families of three, four and more goes up.

Kansas Bankruptcy Means Test

Here are the new figures for bankruptcy cases filed in Kansas on or after November 1, 2015:

1 – $45,653 – down

2 – $60,562 – down

3 – $67,349 – up

4 – $80,639 – up

Add $8100 for each additional household member.

Bankruptcy law utilizes a funny way of counting annual income. Don’t worry about doing the calculation on your own. The attorneys at Neis & Michaux are experienced at means test math and will do the figuring for you.

We’ll need from you seven months of pay stubs or a printout for that time period and all other income for seven months. If you have had business income, we’ll need a month by month list of income and expenses to calculate your net income.

The formulas are designed so that 75% of people will be under median income and pass the Kansas bankruptcy means test at the first stage.

What If My Income Is Over Median?

Don’t fret if you think your income exceeds the median income figures in the chart above. It doesn’t mean you aren’t eligible for bankruptcy. It means a long form has to be filled out and various allowances and expenses deducted to learn your disposable income and your ability to pay. We’ll help you with this complicated form too.

We’ve learned from 10 years of experience since the means test was enacted in 2005 that most of our clients pass the Kansas bankruptcy means test. Even those who are required to pay back debt in a chapter 13 bankruptcy pay far less than what they owed before filing for bankruptcy. Help for out of control debt is available.


Photo Credit: Rich Anderson


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14473050604_ab135d149f_z up and down

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