Attorney Jenni Klock Morel

Attorney Jenni Klock Morel

Bankruptcy Attorney

Jenni Klock Morel is a writer, nonprofit leader, and Social Justice Law Scholar. For years she practiced consumer bankruptcy law exclusively as a debtor's attorney, helping individuals and families file for Chapter 7 or 13 bankruptcy protection. Jenni left the practice of law to wield the power of the pen and pursue a career in the nonprofit sector. She has a background in grant writing, development, and years of experience in legal writing for law firms around the nation. Jenni is a research consultant for global NGOs, a contributing writer for Upsolve, and a cat mom.

All ArticlesBankruptcy BasicsCarsChapter 11Chapter 13Chapter 7DebtsDeciding To FileDuring Bankruptcy CaseNon Bankruptcy

Articles written by Attorney Jenni Klock Morel

How to Dispute a Debt You Don’t Owe

Credit reports are supposed to be accurate, but it isn’t uncommon to find errors. Learn how to dispute misreported information.

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What is Chapter 11 Bankruptcy?

Chapter 11 bankruptcy cases are mostly utilized by businesses - think Skymall or General Motors - or folks with significant assets and debts. The typical consumer is not a Chapter 11 filer.

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Repossession After Bankruptcy - What You Should Know

You have options for what to do with a car loan when filing a Chapter 7 case, including reaffirmation, redemption, or surrender. Entering into a reaffirmation agreement can lead to new debt problems if you default on your car loan payments after bankruptcy. The purpose of filing Chapter 7 bankruptcy is to put you in a better financial situation than before filing and give you a fresh start. Keep reading to find out what to expect if your car is repossessed after filing Chapter 7 bankruptcy.

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Payday Loans and Bankruptcy

Payday loans are short-term loans with very high interest rates that are due on the borrower's next payday. Learn how bankruptcy can help you get out of the impossible cycle created by payday loans.

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Can I file Chapter 13 without my spouse?

You can file for Chapter 13 bankruptcy without your spouse. A Chapter 13 bankruptcy works a little differently if only one spouse files. How certain debts and assets are treated is affected by whether the couple lives in a community property state or a common law state. Whether you’re best served by filing without your spouse or by the two of you filing a joint bankruptcy depends on the specifics of your situation. There are many valid reasons for which a person may want to or need to file for bankruptcy protection without their spouse. Read on to learn about filing Chapter 13 without your spouse.

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Judgments: How Long Do They Last and Will Bankruptcy Help?

How long a judgment lasts depends on state law. While most judgments only last for 5-10 years, some may be renewed for longer than 20.

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Reaffirmation Agreements

People who file bankruptcy are often concerned about what's going to happen to their car. Signing a reaffirmation agreement is one option that lets you keep your car and continue making the payments, but it's not the only option and might not be the best option in your situation. Read on to learn about how reaffirmations work and factors to consider when deciding whether to sign a reaffirmation agreement.

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Reorganizing Your Debt? Chapter 11 or Chapter 13 Bankruptcy Can Help!

Chapter 11 cases are mostly filed by businesses or people with significant assets and debts. Chapter 7 and Chapter 13 are the most common chapters filed by individuals. Read on to learn more about the differences between Chapter 11 and Chapter 13 bankruptcies.

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The Automatic Stay

The automatic stay makes sure that wage garnishments and repossessions or foreclosures are stopped and give the filer immediate relief by stopping the never-ending phone calls from debt collectors. Let’s take a closer look at what the automatic stay in bankruptcy means for you.

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Can I Settle a Debt After a Lawsuit Has Been Filed?

It can feel overwhelming to be served with a lawsuit, especially if you’re being sued for unpaid debts. A lot of people face debt problems at some point in their lives. If you’re facing debt-related challenges, you’re not alone and you do have options. Even if you’ve been sued because of an unpaid debt, you can still potentially resolve the matter, as you can manage this debt in a variety of ways.

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What Does Filing Bankruptcy Do?

The process of filing for bankruptcy can be a powerful tool if you’re hoping to get out of debt. Bankruptcy can erase credit card debt, medical bills, other types of unsecured debt, and can stop wage garnishments and other collection actions. The two most common types of consumer bankruptcy individuals and married couples file are Chapter 7 and Chapter 13 bankruptcies. In this article, we’ll explore both types of bankruptcy cases and how they can give families a financial fresh start.

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How Much Does Bankruptcy Cost?

Chapter 7 bankruptcy provides relief for individuals and businesses that have no hope of ever repaying their debts. That’s why it seems strange to some that there are actual costs involved to get this relief. Keep in mind, though, that everyone’s case is different and someone’s inability to pay their debts as they come due does not necessarily mean that they can’t pay the costs of filing a Chapter 7. Let’s take a look at what they are. 

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What Debts Can’t be Erased by Filing Bankruptcy?

Even though bankruptcy provides the most comprehensive debt relief for most folks who are struggling to make ends meet, it is not a way to get out of any and all debts. This means you need to carefully evaluate your debts to make sure that filing bankruptcy will actually help you improve your situation. After all, if most or all of your debts can’t be eliminated as part of your bankruptcy filing, the downsides of filing bankruptcy may outweigh the debt relief benefits your bankruptcy discharge provides.

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What Happens After Filing for Bankruptcy?

Knowing what happens after you file bankruptcy can make it seem less intimidating. Read on to learn about filing Chapter 7 bankruptcy, the meeting of creditors, keeping your car, and why creditors must stop contacting you after filing.

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What is a Bankruptcy Discharge?

The bankruptcy discharge is the order from the bankruptcy court that relieves the filer of the obligation to pay their discharged debts. It also prohibits creditors from ever trying to collect on that debt ever again. In other words, the discharge is a filer’s main goal in a bankruptcy, whether that’s a Chapter 7 bankruptcy or Chapter 13 bankruptcy. Let’s take a closer look at how this all works, what debts can’t be discharged, and what this all means for you.

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When to stop using credit cards before filing Chapter 7

Once you know that you’re going to file bankruptcy, it’s time to stop using your credit cards. Ideally, you stop making new charges a few months before filing. However, that isn’t always possible. If you’ve recently made new charges and you’re close to your Chapter 7 bankruptcy filing date, take a look at those charges to determine if they were for necessities only. The most important thing is that you don’t make any charges with the intention of erasing those debts through bankruptcy.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.


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