Fresh Start with Jason Cline

Can Bankruptcy Really Stop a Foreclosure in New Mexico?

Episode Summary
In this episode of Fresh Start with Jason Cline, New Mexico bankruptcy attorney Jason Cline explains how bankruptcy can be a powerful tool to stop foreclosure and help homeowners protect their property. He discusses how the automatic stay works, the difference between Chapter 7 and Chapter 13 when saving a home, and common mistakes to avoid when facing foreclosure. Jason also shares practical steps for homeowners to act early, understand their rights, and take control of their financial situation before it’s too late.
Key Timestamps
00:40 – What homeowners experience when facing foreclosure01:30 – How filing for bankruptcy stops foreclosure proceedings02:10 – How the automatic stay protects against collection actions03:00 – How quickly the automatic stay takes effect03:30 – Using empathy and professionalism to guide clients04:30 – Understanding property exemptions in bankruptcy05:30 – Why Chapter 13 is often better for saving a home06:20 – How Chapter 13 forces lenders to accept payments07:00 – Risks of waiting too long to file bankruptcy08:10 – Advice for homeowners afraid to seek help
About the Show
Fresh Start with Jason Cline helps New Mexico residents find real solutions to financial hardship. Hosted by attorney Jason Cline, the show breaks down bankruptcy laws in simple, practical terms—so listeners can protect their homes, rebuild their finances, and move forward with confidence.

The Bankruptcy Means Test: Who Qualifies for Chapter 7 in New Mexico?

Episode Summary
In this episode of Fresh Start with Jason Cline, experienced bankruptcy attorney Jason Cline explains the bankruptcy means test—how it works, who qualifies for Chapter 7, and what it means for New Mexico residents struggling with debt. He also clears up common misconceptions, discusses how Chapter 13 can still provide relief, and offers practical advice for anyone considering bankruptcy as a way to start fresh.
 
Key Timestamps
00:45 – Jason shares his background and why he chose bankruptcy law.02:10 – Understanding the bankruptcy means test and income calculation.03:40 – Why Congress introduced the test and how it impacts seasonal earners.05:00 – What Jason reviews during consultations to determine eligibility.06:00 – Common myths about income limits and household earnings.07:30 – How Chapter 13 works when Chapter 7 isn’t an option.08:30 – Why early clarity matters before filing.09:30 – Encouragement for anyone afraid to seek help.
 
About the Show
Fresh Start with Jason Cline helps New Mexico residents navigate financial hardship with confidence. Hosted by attorney Jason Cline, each episode breaks down bankruptcy laws in simple terms and shows how to rebuild life after debt.