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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 7Consumer RightsCourtDebtsDeciding To FileDuring Bankruptcy CaseNon BankruptcyStudent Loans

Articles written by Attorney Jenni Klock Morel

Debt Relief Programs and Financial Resources for Veterans

Written by Attorney Jenni Klock Morel
Updated April 13, 2022

There are many debt-relief programs and resources for veterans and active-duty service members alike. Some focus on helping military personnel with homeownership while others focus on managing your finances and debts. It’s especially important for active-duty military members to keep their finances in order. This will help you get or maintain security clearances. This article covers the most common debt relief programs and financial resources for veterans and active-duty service members.

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

Written by Attorney Jenni Klock Morel
Updated April 6, 2022

When a creditor wins a lawsuit against you, the court issues them a judgment. This allows them to take serious collection actions like wage garnishment. The length of time the judgment is enforceable varies depending on the state you live in. In some states, it’s as short as five years, and in other states, it’s as long as 20 years. Judgments can also often be renewed. If you can’t afford to pay a judgment against you, filing bankruptcy can help eliminate the judgment.

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Is It Legal To File a Second Bankruptcy Case?

Written by Attorney Jenni Klock Morel
Updated April 6, 2022

You can file bankruptcy as many times as you need to, but you usually have to wait between filings. The waiting period depends on several factors, including whether the initial bankruptcy case was dismissed or discharged, what chapter you filed in the first case, and what chapter you plan to file in your second bankruptcy case.

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Judgments and Judgment Liens in New York State

Written by Attorney Jenni Klock Morel
Updated April 6, 2022

If you have an unpaid debt, a creditor can sue you to get a judgment against you. This allows them to garnish your wages, levy your bank account, or file a judgment lien against your home or car. Judgments and judgment liens in New York are very powerful. Money judgments can be enforced for up to 20 years in New York.

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Do You Have to Go To Court to File Bankruptcy?

Written by Attorney Jenni Klock Morel
Updated April 6, 2022

Most bankruptcy filers don’t have to attend any formal court proceedings before a judge. There are some rare exceptions to this, but most of the time you’ll only go to court to file your paperwork with the clerk. You'll have to attend a meeting of creditors, but this won’t be held in a courtroom or before a judge. Some of these meetings are held outside the courthouse or virtually.

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How Long Does Chapter 13 Bankruptcy Take?

Written by Attorney Jenni Klock Morel
Updated April 6, 2022

Chapter 13 bankruptcy typically takes three to five years. During that time, you’ll be on a repayment plan to repay some or a portion of your debts. There are a few factors that will determine how long your Chapter 13 repayment plan will last, including your income. At the end of a successful Chapter 13 plan, the remainder of your dischargeable debts will be erased.

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

Written by Attorney Jenni Klock Morel
Updated April 1, 2022

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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Payday Loans and Bankruptcy

Written by Attorney Jenni Klock Morel
Updated December 12, 2021

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 Settle a Debt After a Lawsuit Has Been Filed?

Written by Attorney Jenni Klock Morel
Updated November 29, 2021

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’s The Best Way To Pay Off Student Loans (Fast)?

Written by Attorney Jenni Klock Morel
Updated November 26, 2021

There’s no penalty for repaying federal or private student loans faster than the repayment schedule. Paying off student loan debts faster will save you money in interest payments. The sooner you’re out of student loan debt, the sooner you’ll be able to achieve other financial goals.

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When To Stop Using Credit Cards Before Filing Chapter 7

Written by Attorney Jenni Klock Morel
Updated November 16, 2021

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. 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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How Much Does Bankruptcy Cost?

Written by Attorney Jenni Klock MorelLegally reviewed by Attorney Andrea Wimmer
Updated October 29, 2021

Bankruptcy costs include court filing fees, credit counseling course fees, and if you hire a bankruptcy lawyer, attorney fees. The total cost will largely depend on your financial situation, the complexity of your case, and whether you file Chapter 7 or Chapter 13 bankruptcy.

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Repossession After Bankruptcy: What You Should Know

Written by Attorney Jenni Klock Morel
Updated October 19, 2021

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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What Happens After Filing for Bankruptcy?

Written by Attorney Jenni Klock Morel
Updated October 2, 2021

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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How to Dispute a Debt You Don’t Owe

Written by Attorney Jenni Klock Morel
Updated September 29, 2021

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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Student Loan Default: What Is It? What Can I Do About It?

Written by Attorney Jenni Klock Morel
Updated August 30, 2021

You are not alone if you’re struggling to pay back student loans. Whether your loans are federal student loans or private student loans, there may be options to help you. You’re taking a good step in learning all you can about student loan repayment. A defaulted student loan is a serious matter. Read on to learn about what can happen with a defaulted student loan debt and how to get out of default.

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Can I Remove Student Loans From My Credit Report?

Written by Attorney Jenni Klock Morel
Updated June 7, 2021

You can have information on your credit report removed or corrected if it’s not accurate. Three main consumer reporting agencies provide credit reports. Also known as credit bureaus, they are Equifax, Experian, and TransUnion. They have a duty to report your credit history accurately, including student loans and payment histories. While incorrect information can be fixed, you can’t remove information from your credit report that is accurate.

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Can I Use Student Loans To Pay My Rent?

Written by Attorney Jenni Klock Morel
Updated May 10, 2021

The cost of going to school involves more than paying tuition. Students have other expenses that need to be covered while they’re working toward their degree. The good news is that student loans can be used to pay for rent and other expenses like textbooks, school supplies, housing, transportation, and living expenses.

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Student Loans & the Grace Period

Written by Attorney Jenni Klock Morel
Updated February 26, 2021

Student loan repayment doesn’t start right after getting the loan. The grace period begins after you either graduate, leave school, or drop below half-time enrollment.

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What Debts Can’t be Erased by Filing Bankruptcy?

Written by Attorney Jenni Klock Morel
Updated November 5, 2020

Even though bankruptcy provides the most comprehensive debt relief for most folks who are struggling to make ends meet, it's not a way to get out of any and all debts. This means you need to carefully review 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 is Chapter 11 Bankruptcy?

Written by Attorney Jenni Klock Morel
Updated September 16, 2020

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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Can I file Chapter 13 without my spouse?

Written by Attorney Jenni Klock Morel
Updated September 3, 2020

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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Reaffirmation Agreements

Written by Attorney Jenni Klock Morel
Updated August 17, 2020

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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The Automatic Stay

Written by Attorney Jenni Klock Morel
Updated August 11, 2020

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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What Does Filing Bankruptcy Do?

Written by Attorney Jenni Klock Morel
Updated July 31, 2020

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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What is a Bankruptcy Discharge?

Written by Attorney Jenni Klock Morel
Updated July 22, 2020

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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Wage Garnishment in Kansas

Written by Attorney Jenni Klock Morel
Updated December 14, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Kansas regulates wage garnishments.

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Wage Garnishment in Utah

Written by Attorney Jenni Klock Morel
Updated November 24, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Utah regulates wage garnishments.

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Wage Garnishment in Alabama

Written by Attorney Jenni Klock Morel
Updated October 21, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Alabama regulates wage garnishments.

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How to Settle Your Debts in Ohio

Written by Attorney Jenni Klock Morel
Updated February 19, 2020

Our goal is to make sure you have a clear idea of what debt relief options are available. This guide on debt settlement in Ohio will give you the tools you need to explore if debt settlement is right for you, and if so, the next steps to move forward. 

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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.