Representing Elderly Clients in Bankruptcy – Part 1 of 3

By David Cox,1 Cox Law Group, PLLC (Lynchburg, VA)

  1. Overview
    1. Filing considerations.
      1. Perfect Storm!
        1. Pensions going down.
        2. Healthcare costs going up.
        3. Home Equity high.
        4. Medical debts increasing.
        5. Limited income.
      2. Common considerations.
        1. Embarrassment. Many of the elderly are from a generation which regards bankruptcy as an indication of moral failure and shame.
        2. Confidentiality. May not want family members, including a spouse, to know about . . .

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