Kassandra is a writer and attorney with a passion for consumer financial education. Outside of consumer law, she is focused on pro bono work in the fields of International Human Rights Law, Constitutional and Human Rights Law, Gender and the Law. Kassandra graduated from University of California, Hastings College of the Law.
Articles written by Attorney Kassandra Kuehl
Does Your Debt Disappear After 7 Years?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated October 22, 2025
Though it's a common myth, your debt doesn't disppear after seven years of nonpayment. Most debts drop off of your credit report after seven years, but in many cases, you'll still be on the hook to repay the debt.
Read More →What Is Bankruptcy Fraud?
Written by Attorney Kassandra Kuehl. Legally reviewed by Attorney Andrea Wimmer
Updated October 22, 2025
Bankruptcy fraud is a broad term that describes a variety of actions that filers sometimes take to get an unfair advantage. Depending on what form that fraud takes, it’s considered a crime and is punishable by up to five years in federal prison and a (non-dischargeable) fine of up to $250,000. This article will explore some common types of bankruptcy fraud.
Read More →What Are the Utah Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated October 16, 2025
Utah law requires residents who have lived in the state for at least two years to use its state exemptions when filing Chapter 7 bankruptcy. Exemptions protect your property during the bankruptcy process so that you can get a financial fresh start without having to start from scratch. If you’re filing as a single person, the homestead exemption in Utah is $42,000. The motor vehicle exemption is $3,000. Utah doesn’t offer a wildcard exemption.
Read More →What Are the Massachusetts Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated September 2, 2025
Massachusetts law allows for most residents to choose between federal bankruptcy exemptions and state exemptions to property that could be affected by the bankruptcy process. The only time that this choice is not available is if a filer is a new Massachusetts resident and has lived in the state for less than two years. By examining each approach below, you can determine whether your case will be served best by applying Massachusetts exemptions or by claiming those available under federal law. Oftentimes, both schemes do an equally adequate job of safeguarding a filer’s property. But sometimes, it’s advantageous to choose one option over the other.
Read More →What Are the South Carolina Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated September 2, 2025
Only 17 states allow their residents to choose between claiming state exemptions and federal bankruptcy exemptions. South Carolina is not one of these states. Instead, South Carolina law provides residents with state-specific exemptions and does not allow its residents to claim federal exemptions. While some federal law in the Bankruptcy Code does influence how some South Carolina exemptions are structured, the kinds of exempt property filers can claim and the exemption amounts that apply to bankruptcy cases are state-specific. It’s important to note that if you have lived in South Carolina for less than 2 years, you may not be able to claim South Carolina’s exemptions to your property.
Read More →What Are the Arkansas Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated August 25, 2025
If you’ve lived in Arkansas for at least two years and you’re filing Chapter 7, you can choose between the federal or state bankruptcy exemptions. Bankruptcy exemptions are laws that help you protect your property when you file your case. For many types of property and belongings, federal exemptions are more generous for filers. However, Arkansas does have a generous acreage-based homestead exemption, which can be useful if you’re a homeowner.
Read More →Can an Employer Deny Me a Job Because of My Bad Credit?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated April 30, 2025
In short, yes, in the majority of states, employers can deny you employment if you have bad credit. Some states and cities have passed laws that prohibit the practice, though there are some exceptions, such as for jobs in the financial sector. Employers must get your written consent before they run a credit check as part of the hiring process. Having certain negative items on your credit report may not hurt your chances for all jobs. If you’re looking for a job and have bad credit, there are steps you can take to improve your chances of landing your dream job.
Read More →Repossession Laws in West Virginia
Written by Attorney Kassandra Kuehl.
Updated October 14, 2025
Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of West Virginia's Repossession Laws and what you should know if you've fallen behind on car payments.
Repossession Laws in Minnesota
Written by Attorney Kassandra Kuehl.
Updated October 13, 2025
Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Minnesota's Repossession Laws and what you should know if you've fallen behind on car payments.
Wage Garnishment in Kentucky
Written by Attorney Kassandra Kuehl.
Updated October 10, 2025
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 Kentucky regulates wage garnishments.
Wage Garnishment in Nevada
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated October 10, 2025
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 Nevada regulates wage garnishments.
What Are Missouri's Car Repossession Laws?
Written by Attorney Kassandra Kuehl. Legally reviewed by Ben Jackson
Updated August 27, 2025
Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Missouri's Repossession Laws and what you should know if you've fallen behind on car payments.
Your Guide to Virginia's Repossession Laws
Written by Attorney Kassandra Kuehl, Mae Koppes. Legally reviewed by Attorney Tina Tran
Updated August 27, 2025
Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Virginia's Repossession Laws and what you should know if you've fallen behind on car payments.
