Fresh Start with Jason Cline

freshstartwithcline

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.

Episodes

  1. The Bankruptcy Timeline: From Consultation to Discharge

    MAY 14

    The Bankruptcy Timeline: From Consultation to Discharge

    Episode Summary: In this episode of Fresh Start with Jason Cline, host Lisa Mosbey is joined by Attorney Jason Cline to demystify the bankruptcy process, focusing on the crucial timelines involved. Jason, founder of the Law Office of Jason Cline in Albuquerque, New Mexico, shares insights into the steps from initial consultation to case discharge. He explains the importance of timely document submission to avoid delays and potential penalties, such as losing assets or having cases dismissed. The episode covers the differences between Chapter 7 and Chapter 13 bankruptcies, including their respective timelines and the impact of the automatic stay. Jason emphasizes the importance of preparation and setting clear expectations to alleviate client anxiety. This episode is essential for anyone considering bankruptcy, offering clarity and confidence in navigating the process. Key Timestamps: 00:01 – Introduction 0:42 – Initial Consultation Process 1:24 – Document Gathering Timeline 2:07 – Essential Documents for Filing 2:46 – Immediate Effects of Filing 3:09 – Understanding the 341 Meeting 3:51 – Comparing Chapter 7 and Chapter 13 4:25 – Common Delays and How to Avoid Them 5:20 – Understanding Discharge in Bankruptcy 6:37 – Importance of Timelines in Bankruptcy Cases 7:42 – Can You Cancel a Bankruptcy? 8:40 – Penalties for Missing Timelines 9:18 – Dismissal Process and Consequences 10:57 – Keeping Clients Calm and Focused About the Show: Fresh Start with Jason Cline is designed for individuals and families seeking clarity and confidence through bankruptcy solutions. Hosted by Lisa Mosbey, the show features discussions with legal experts like Attorney Jason Cline, offering insights into the bankruptcy process, timelines, and strategies for financial recovery. With a focus on ethics and transparency, the podcast aims to empower listeners with the knowledge needed to make informed decisions about their financial futures. Whether you're considering Chapter 7 or Chapter 13 bankruptcy, Fresh Start with Jason Cline provides valuable guidance to help you navigate the legal landscape with assurance.

    12 min
  2. Debt Collectors and Lawsuits: How Bankruptcy Stops the Harassment

    FEB 12

    Debt Collectors and Lawsuits: How Bankruptcy Stops the Harassment

    Episode Summary: In this episode, attorney Jason Cline discusses the overwhelming stress of dealing with debt collectors, wage garnishments, and lawsuits. He explains how filing for bankruptcy can immediately halt collection calls and legal actions, providing much-needed peace of mind for individuals facing financial challenges. Key Timestamps: 00:00 – Introduction 01:05 – Impact of constant debt collection harassment 02:30 – Immediate relief from collection activities after filing for bankruptcy 04:15 – The power of the automatic stay in bankruptcy protection 06:00 – Types of collection activities stopped by the automatic stay 07:45 – Timely protection with no waiting period after filing 09:20 – Consequences for creditors violating the automatic stay 10:45 – Halting lawsuits and garnishments through bankruptcy 12:30 – Possibility of recovering garnished funds in certain cases 14:10 – Debts not stopped by bankruptcy: child support, taxes, student loans 16:00 – Filing for bankruptcy as a way to regain financial stability 18:00 – Encouragement for those facing debt challenges to seek legal help About the Show: *Fresh Start* is a podcast hosted by attorney Jason Cline, dedicated to helping individuals and families in New Mexico navigate bankruptcy with confidence. With expert insights and practical advice, *Fresh Start* offers a guiding light for those seeking financial relief.

    8 min
  3. How to Know When It’s Time to File for Bankruptcy

    12/10/2025

    How to Know When It’s Time to File for Bankruptcy

    Episode 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.

    18 min
  4. Can Bankruptcy Really Stop a Foreclosure in New Mexico?

    11/26/2025

    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 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.

    10 min

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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.