Podcast
Fresh Start with Jason Cline
Hosted by The Legal Podcast Network (LPN) · EN
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.
15episodes
Episodes
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What Really Happens to Your Credit After Bankruptcy
Jan 700:10:27Tap to summarizeEpisode Summary: In this episode, attorney Jason Cline sheds light on the misconceptions surrounding credit scores post-bankruptcy. He explains the nuances of credit reporting, the timeline of bankruptcy on credit reports, and the possibilities of obtaining credit after bankruptcy. Jason also shares valuable insights on building healthy credit habits and common mistakes to avoid for a swift credit recovery. Key Timestamps: 00:00 – Introduction 01:10 – Misconceptions about credit post-bankruptcy 03:25 – Impact on credit score after filing for bankruptcy 05:45 – Duration of bankruptcy on credit reports 07:30 – Access to credit post-bankruptcy 09:15 – Building healthy credit habits 11:00 – Common mistakes in credit rebuilding 13:20 – Speed of credit score improvement 14:45 – Changing perceptions of lenders towards bankruptcy 16:30 – Encouragement for those hesitant to file for bankruptcy About the Show: *Fresh Start* is a podcast hosted by attorney Jason Cline, offering insights and guidance on navigating bankruptcy solutions for individuals and families in New Mexico. The show explores the myths and realities of bankruptcy, providing actionable advice for a debt-free future.
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Chapter 7 vs. Chapter 13 Bankruptcy: Which One Fits Your Situation?
Dec 2400:17:15Tap to summarizeEpisode Summary: In this episode of *Fresh Start*, Jason Cline breaks down the differences between chapter 7 and chapter 13 bankruptcy, offering insights on debt types, exemptions, and the process involved. Listeners gain valuable knowledge on how to determine the best bankruptcy option for their financial situation. Key Timestamps: 00:00 – Introduction 01:30 – Types of Debt in Bankruptcy 05:15 – Bankruptcy Exemptions 08:45 – Chapter 7 Overview 11:20 – Income Qualifications for Chapter 7 14:50 – Chapter 13 Overview 17:30 – Unique Aspects of Chapter 13 in New Mexico 20:10 – Factors Influencing Bankruptcy Recommendations 23:45 – Duration and Process of Chapter 7 26:30 – Duration and Process of Chapter 13 29:45 – Qualifying for Chapter 7 vs. Chapter 13 33:10 – Common Misconceptions about Bankruptcy 36:00 – Helping Clients Make Confident Decisions About the Show: *Fresh Start* with Jason Cline is a podcast dedicated to providing New Mexico residents with practical solutions to overwhelming debt. Attorney Jason Cline, an experienced bankruptcy lawyer in Albuquerque, guides individuals through the complexities of bankruptcy options, offering clarity and support in challenging financial times.
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How to Know When It’s Time to File for Bankruptcy
Dec 1000:18:13Tap to summarizeEpisode Summary: In this episode of *Fresh Start*, Jason Cline, an experienced bankruptcy attorney, discusses the common signs that indicate it might be time to consider filing for bankruptcy. From struggling to pay bills to resorting to new debt to pay off old debt, Jason sheds light on key indicators that bankruptcy could be a viable solution for financial relief. Key Timestamps: 00:00 – Introduction 01:30 – Signs to consider bankruptcy: struggling with bill payments 03:15 – Signs to consider bankruptcy: resorting to new debt to pay off old debt 05:45 – Signs to consider bankruptcy: experiencing extreme stress due to financial burdens 08:10 – Importance of seeking legal advice instead of waiting 10:25 – Addressing the fear and guilt associated with filing for bankruptcy 13:00 – Providing guidance to clients unsure about filing for bankruptcy 16:40 – Impact of minimum payments and borrowing on credit card debt 19:05 – Helping clients decide between paying down debts or opting for bankruptcy 22:30 – Emotional and financial red flags signaling the need for immediate action 25:15 – Addressing concerns about credit score impact and rebuilding post-bankruptcy 28:00 – Offering initial consultation to understand debt relief options and find relief About the Show: *Fresh Start* with Jason Cline is a podcast dedicated to providing New Mexico residents with practical solutions to overwhelming debt. Jason Cline, a reputable bankruptcy attorney based in Albuquerque, helps individuals and families regain control of their finances and peace of mind through insightful discussions and expert advice.
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Can Bankruptcy Really Stop a Foreclosure in New Mexico?
Nov 2600:09:37Tap to summarizeEpisode 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 foreclosure 01:30 – How filing for bankruptcy stops foreclosure proceedings 02:10 – How the automatic stay protects against collection actions 03:00 – How quickly the automatic stay takes effect 03:30 – Using empathy and professionalism to guide clients 04:30 – Understanding property exemptions in bankruptcy 05:30 – Why Chapter 13 is often better for saving a home 06:20 – How Chapter 13 forces lenders to accept payments 07:00 – Risks of waiting too long to file bankruptcy 08:10 – 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.
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The Bankruptcy Means Test: Who Qualifies for Chapter 7 in New Mexico?
Nov 1200:10:26Tap to summarizeEpisode 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.
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