Tori Bramble is a bankruptcy attorney with over 20 years of experience. She is licensed to practice in Maryland and Virginia and has helped over 1,500 clients discharge thousands of dollars and find debt relief by filing Chapter 7 or Chapter 13 bankruptcy. A New York native, Tori got her J.D. from the Antonin Scalia Law School at George Mason University in 1996. She opened her own practice, Bramble Law Firm, in 2005. Tori’s also passionate about family law and is a CDC Certified Divorce Coach, helping to support fathers through the separation and divorce process. Outside of her work, Tori loves watching comedies and singing karaoke.
Articles written by Attorney Tori Bramble
How Partial Claim Loans Can Help With Overdue Mortgage Payments
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated September 1, 2025
The U.S. Department of Housing and Urban Development (HUD) offers programs to help homeowners with FHA-insured mortgages who are struggling to make their payments. Whether you’re facing financial challenges due to job loss or other difficulties, these programs can help you avoid foreclosure and stay in your home. This article explains how HUD’s mortgage relief options, like loan modifications and partial claims, work and how you can qualify for assistance.
Read More →What Is a Paid in Full Letter & How Does It Work?
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated September 1, 2025
If you send a paid in full letter to your creditor or debt collection agency, it informs them that you’re making your final payment. If they send one to you, they are confirming that the debt has been paid in full.
Read More →6 Strategies To Negotiate Your Credit Card Debts
Written by Attorney Tori Bramble. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2025
Whether you have a good credit score or a bad one, it’s possible to negotiate with credit card companies to lower your credit card debt. If you have a good credit score, creditors are usually not eager to help you negotiate your credit card debt because they think you can pay your debt. But if you’ve missed payments and the credit card issuer fears you may not pay them back in full, they may be willing to help you negotiate your balance. In this guide, you’ll learn how to negotiate credit card debt. We'll give actionable tips for folks who have a good credit score. Then we’ll provide credit card negotiation strategies that you can use if your credit score is not that good anymore.
Read More →6 Popular Credit Repair Software Programs
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated August 29, 2025
It’s important to review your credit report for errors, but doing this on your own can be time-consuming and frustrating. This is where credit repair software can help. This user-friendly software can help you find mistakes on your report, generate dispute letters to get errors removed, and even simulate your future credit score based on paying off debt or having mistakes removed. Credit repair software can help you decide which debt to pay off to improve your credit score most quickly. But before you buy credit repair software or hire a credit repair company, let’s have a look at what credit repair software is and how it works.
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