Attorney Todd Carney is a writer and graduate of Harvard Law School. While in law school, Todd worked in a clinic that helped pro-bono clients file for bankruptcy. Todd also studied several aspects of how the law impacts consumers. Todd has written over 40 articles for sites such as RealClear Policy and Lawfare. Prior to law school, Todd graduated from American University with a B.A. in political science and public communication and spent five years working in digital advertising. While working in digital advertising, Todd read a lot on consumer finance and that made him interested in studying it in law school, with the hope of getting to work on issues impacting consumers in the long-term. Todd lives and is admitted to practice law in Washington DC. The views in his pieces are his alone and do not reflect the views of his employer.
Articles written by Attorney Todd Carney
Can a Creditor Levy Your Bank Account More Than Once?
Written by Attorney Todd Carney. Legally reviewed by Jonathan Petts
Updated October 13, 2025
A bank levy is a legal move that allows creditors to collect an unpaid debt by taking money directly from a borrower’s bank account. Creditors can continue to take money from your account until your debt is paid off. While your account can be levied more than once, you have options and rights., This article will educate you on how to be prepared for a levy and what your rights are.
Read More →Can Social Security Legally Check My Bank Account?
Written by Attorney Todd Carney. Legally reviewed by Jonathan Petts
Updated September 16, 2025
Many people wonder if the government can look inside their bank accounts, especially when applying for Social Security benefits. The short answer is yes, but only in certain situations. If you’re part of the Supplemental Security Income program, the Social Security Administration has the legal authority to review your financial information to ensure you meet eligibility requirements. This article will explain why and how the SSA conducts these reviews, what counts toward SSI eligibility limits, and how you can safeguard your benefits.
Read More →Repossession Laws in Georgia
Written by Attorney Todd Carney. Legally reviewed by Jonathan Petts
Updated January 16, 2026
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 Georgia's Repossession Laws and what you should know if you've fallen behind on car payments.
Repossession Laws in Illinois
Written by Attorney Todd Carney. Legally reviewed by Jonathan Petts
Updated January 16, 2026
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 Illinois' Repossession Laws and what you should know if you've fallen behind on car payments.
Repossession Laws in Idaho
Written by Attorney Todd Carney. Legally reviewed by Jonathan Petts
Updated November 12, 2025
In Idaho, your car can be repossessed after just one missed payment if that counts as a default under your loan agreement. Lenders don’t have to give you a warning before repossession, and repo agents are allowed to take your car from public areas without a special license — as long as they don’t use force or deception. If your car is taken, you may still owe money on the loan if the sale doesn't cover the full balance and fees. Some people try to prevent or delay repossession by working with their lender early or exploring options like Chapter 7 bankruptcy.
How To File Bankruptcy for Free in South Dakota
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2025
Chapter 7 bankruptcy can help you wipe out debt and get a fresh financial start, and many people are able to do it on their own without hiring a lawyer. This guide explains each step in the process, from gathering documents and taking required courses to filing your forms and attending your 341 meeting. It also covers important topics like how to protect your property using South Dakota’s exemptions, how the means test works, and what to expect if you own a car. If your case is simple, you may even qualify to use Upsolve’s free tool to file without paying attorney fees.
How To File Bankruptcy for Free in Kansas
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated October 10, 2025
This guide explains how to file Chapter 7 bankruptcy for free in Kansas, step by step. It covers everything from gathering documents to completing forms, taking required courses, and submitting your case to the court. You'll learn how to protect your property using Kansas-specific exemptions and what to expect at your trustee meeting. The guide also includes tips on fee waivers, where to file, and how to handle car loans or leases. If your case is simple, you may be able to use Upsolve’s free tool to file without a lawyer.
