Hawaii Bankruptcy Attorney | Blake Goodman
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Fast Bankruptcy Service in Hawaii

Proactive Approach to Bankruptcy

Ending creditor harassment

Your House and Your Car in Chapter 13

The Truth from a Hawaii Bankruptcy Attorney

If you have steady income but are drowning in debt, filing Chapter 13 bankruptcy can stop foreclosure, stop repossession and allow you to become current on both your home and your car payments. As one of the largest filers of Honolulu bankruptcy, our experience attorney knows exactly how to arrange a payment plan for your mortgage and car loan to get your financial life back on tract.

If you are being threatened with foreclosure or repossession, filing for personal bankruptcy will immediately stop the proceedings through what is called the “automatic stay.” This is a court order that occurs instantly when filing bankruptcy and stops the lender from foreclosing upon a home or repossessing a vehicle. You can then review your options to save the home and car with your bankruptcy attorney.

Your Home in Chapter 13

A Chapter 13 bankruptcy establishes a payment plan whereby you can catch up with your secured debt obligations (including a mortgage) over three to five years and discharge remaining unsecured debts. Once the plan is approved by the court, you will make one single monthly payment to the bankruptcy trustee. This repayment plan will include provisions to help pay off any accumulated mortgage rearrange (the back amount owed). Most people who file Chapter 13 make all the required payments and will become current on the mortgage to save the home.

Another benefit of Chapter 13 is for homeowners who have a second mortgage and owe more money on the primary mortgage than the property is worth. In this situation, the second mortgage or line of equity may be eligible for a complete discharge. Known as a “lien strip,” this can be extremely helpful for homeowners whose property value has dropped in recent years.

Your Car in Chapter 13

The depreciatory nature of an automobile means that people sometimes owe more for a vehicle than its actual value. If this is the case, when you file for bankruptcy, then you may qualify for what is called a “cramdown.” A cramdown reduces the amount owed to the car’s actual value, because this is the amount that the lender would receive if it repossessed and sold the vehicle. To qualify, you must have purchased the car more than 2 ½ years prior to bankruptcy, along with other requirements. A qualified lawyer can review the facts of your situation to see if a cramdown is available to you.

As with homes, a Chapter 13 plan can also allow you to pay the arrearage (or late payments), helping you to become (and stay) current on your car loan. The amount of car payments must be considered reasonable by the courts, however – if you are making an exceptionally large payment every month for a luxury car, you might have to downgrade to a more affordable vehicle. No matter what, there is a solution to your problem, just call our office to learn about the options to keep your car in Chapter 13.

Help Is Here; Just Make the Initial Call

There is no need to suffer the unknown when you are struggling with debt and considering bankruptcy. You have more options than you may realize to save your home and your car by filing a Chapter 13 bankruptcy. When you contact our office, we can help you figure out the best path to keep what you need for your family, as you take the first step towards starting your financial life anew.

Honolulu

Address: 900 Fort Street Mall Suite 910, Honolulu, HI 96813
Phone: (808) 528-4274

Kaneohe

Address: 46-005 Kawa Street #206
Kaneohe, HI 96744
Phone: (808) 528-4274

Aiea

Address: 498-211 Pali Momi St. #608
Aiea, HI 96701
Phone: (808) 528-4274

Maui

Address: 220 Imi Kala St suite 203 c
Wailuku, HI 96793
Phone: (808) 426-2004

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DISCLAIMER: This site and any information contained herein is intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter. We are a debt relief agency. We help people file for relief under the bankruptcy code.
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James Terry

James Terry is a 2017 graduate from the University of Hawai’i William S. Richardson School of Law in Honolulu. Upon graduation, he worked as a clerk in the State of Hawai’i Intermediate Court of Appeals before accepting the job at Blake Goodman, P.C. He is licensed in Hawai’i and admitted to the Federal Courts for the District of Hawai’i. James was born and raised in Hawai’i on the island of Oahu and attended Saint Louis High School and Hawai’i Pacific University prior to entering law school.

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Vianne Yang

Viane was born in California and eventually was drawn to the islands. With her degree in finance, she hopes to assist clients get out of debt and start a fresh new life. In her spare time, she enjoys running along the beach and catching beautiful sunsets.

Coronavirus – Our Firm’s Response
The health and safety of our staff and our clients is our first priority.
Staff will stay home if they are sick. And, we recommend that client’s do the same. We will
be happy to reschedule any office meetings.

For our potential clients and existing clients:

We will be happy to offer all of our services online.

You may even have your free consultation by phone.

After retaining our office, we can work with you via phone and emails. We can even file your
case electronically. Therefore, we can both perform our duties to keep the members of our
families and community safe from the spread of Covid-19.

We are prepared to do everything possible to be proactive and safe.
We believe that our actions today will safeguard the health of our clients and staff, while
continuing to serve you with unsurpassed professionalism and support.

Honolulu Office Parking

Free Parking Locations

Parking option #1 : Downtown municipal parking, 1052 Bethel Street.

Clients who are disabled or nursing should be aware that there are no elevators, only conveniently located stairs at the downtown Municipal Parking Lot.

Parking option #2 : Chinatown municipal parking, Marin tower 60 N., Nimitz Highway. Parking entrance on Smith Street.
Parking option #3 : Harbor Court Parking, 847 Bethel Street.

You can find our office in the heart of downtown Honolulu. The office is very easy to find, and we cover all parking costs, if you park in one of these three parking locations listed below. Please don’t park in our building at Pioneer Plaza. We don’t reimburse you for that cost.

Hawaii bankruptcy lawyer Blake Goodman is ready to help you and your family put your financial struggles behind you and begin the next chapter in your life. We can assist with your Chapter 13, Chapter 7 or debt settlement claim. You may also wish to contact our Windward Side-Kaneohe office.

Kaneohe Office Parking

There is ample free parking in front of and behind the building. We look forward to addressing your student loan, debt settlement, tax resolution or Hawaii bankruptcy concerns. There is no charge for your first consultation. You can also contact our Honolulu office.

Aiea Office Parking

Turn at the Big City Diner off Pali Momi Street. Free parking available in front of building.

Use the information to contact our Hawaii bankruptcy attorneys‘ Pearlridge – Pearl City – Aiea office. Someone from our office will be in touch shortly. We look forward to addressing your student loan, debt settlement, tax resolution or Hawaii bankruptcy concerns. There is no charge for your first consultation. You can also contact our Honolulu office or at our Windward Side-Kaneohe office.

Malia Conner

Born and raised on the island of Oahu, Malia Connor moved to California’s Bay Area to study dance at San Francisco State University, where she formed her own dance company, 25 years ago. She moved back to Oahu in 2017 to begin taking care of her aging parents.

Malia is excited for the opportunity to help Hawai’i residents get out of debt and is eager to apply her executive admin skills and creativity to the team of Blake Goodman.

Anna Lisa Hughes

Anna Lisa Hughes received a Bachelor’s degree in Spanish from San Francisco State University, and became fluent in both Spanish and Mandarin Chinese while studying and working abroad in Chile and China. Anna Lisa has nine years of paralegal experience in various areas of practice, including immigration, estate planning, civil rights, and bankruptcy law. Originally from Colorado, she moved to Hawaii for the cultural and ethnic diversity of the island of Oahu. Outside of the office, Anna Lisa has also had a career in music as a bassist and songwriter.

Joshua Humpries

Joshua Humphries is a 2008 graduate from the Widener University School of Law in Delaware. Upon graduation, he worked for a national law firm specializing in Chapter 7 and Chapter 13 bankruptcies for several years before moving to a smaller firm where he continued he established the firm’s bankruptcy practice. During that time, he also represented claimants in workers compensation and social security disability claims. In 2013, he also began practicing in the areas of debt collection and general civil litigation. He is licensed in Pennsylvania, New Jersey, Hawaii and admitted to the Federal Courts for the District of New Jersey, Eastern and Middle Districts of Pennsylvania and the District of Hawaii.

Dora Casillas

Prior to coming to this beautiful island, Dora Casillas lived in Simi Valley, California where she worked in the legal field for 18 years. Dora finds bankruptcy law the most rewarding where at the end of the day, she knows she helped many obtain a fresh start leading to a less stressful life.

Born in Texas and raised in California, Dora is fluent in Spanish. She enjoys the breathtaking sunrises and sunsets, along with the hiking trails and beaches. Dora is thrilled to be here and to have the opportunity to work with such a great team to serve the people of Hawaii.

Julia Oaten

I attended the University of Manchester, (UK) gaining a B.A. with Honors in Art History, before obtaining my J.D. from the University of Baltimore School of Law. Before moving to Hawaii and specializing in bankruptcy, I practiced criminal law as a Public Defender in Annapolis, MD.

While I am Cuban – Armenian, I grew up in England. My family and I moved to Hawaii in 2007 when my husband was offered a great job here. I stayed at home until we were all settled in and then responded to Blake’s job offer, and have been here ever since. I am the proud owner of an English bulldog and I enjoy fishing and hiking Oahu’s beautiful island with my husband and young son.

I really enjoy helping our clients achieve a fresh start and hopefully relieve them of some of the stress being in debt can cause while protecting them from creditors and helping them survive the bankruptcy process with their dignity intact.

Blanca Goodman

I’m Blake’s wife of 20 plus years. My job is very exciting – I deal with all our clients’ creditors, collections agencies and attorneys. I process all our client’s bills statements, warnings letters, and law suits. I’m the one who spends one hour or more on the phone finding the accounts or negotiating the best deal I can for our clients.

I’m from Mexico and I came to this country 20 years ago. I speak Spanish, and I would love to learn Japanese and Korean. We have two smart twin girls. One of my greatest enjoyments is to listen to audio self improvement books, and classical music.

I dance Kahiko and Auana hula, and wake up every morning to a Zumba exercise routine.

My purpose is to help our clients find debt freedom as soon possible, between 2 years or less. I do have constant communication with our clients about their case, and I want our clients to feel that I do care deeply from my heart.

Jeff Mulford

Jeff Mulford attended California Western School of Law in San Diego, California on a creative problem solving scholarship. When he first stated practicing in 2010, he represented numerous chapter 7 clients throughout Southern California during the height of the foreclosure crisis. He enjoys practicing bankruptcy law because it provides relief to people going through difficult times and puts them on a fresh start towards a brighter financial future.

Prior to law school, Jeff earned an M.B.A. with a concentration in finance from California State University, Long Beach and a B.A. from the University of California at Davis.

Jeff moved to Hawaii in 2016 because he loves the beauty of the islands and the slower pace of life. When he is not working, he enjoys spending time with his family, traveling, and reading.

Blake Goodman

I received my law degree from George Washington University in Washington, D.C. in 1989 and have been exclusively practicing bankruptcy related law in Texas, New Mexico, and Hawaii ever since. In the past, I was a Certified Public Accountant, receiving my license from the State of Maryland in 1988. Today I am unlicensed, inactive and am not holding myself out as a CPA.

I specialize in providing solutions to a family’s debt burdens and tax problems. To date, I’ve helped over 8,000 individuals and families alleviate their financial setbacks caused by overwhelming debt problems. Our law firm is one of the largest bankruptcy filers in the entire state of Hawaii. I am a member of the Hawaii State Bar Association, the Federal Bankruptcy Law Section, the Tax Freedom Institute and the National Association of Consumer Bankruptcy Lawyers. In addition to being a member of the American Bankruptcy Institute, my article “The Often Overlooked 10-Year Tax Discharge Rule” was published in the ABI Journal.

I moved to Hawaii in 1999 with Blanca, my wife, who works with me at the office, because we wanted to live in tropical paradise. We now have twin daughters and have found Hawaii to be more than just a pretty place to live. It is the center of the universe for us.