Fresh Start with Jason Cline

The Legal Podcast Network (LPN)

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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.

Oct 15

What Happens If a Creditor Sues You Before You File Bankruptcy?

Episode Summary: In this episode of Fresh Start with Jason Cline, host Evan Mack and Jason Cline, founder of the Law Office of Jason Cline in Albuquerque, New Mexico, delve into the intricacies of dealing with creditor lawsuits before filing for bankruptcy. They discuss the implications of being served with a lawsuit, the importance of timely action, and the potential for bankruptcy to halt legal actions such as wage garnishments and bank levies. Jason emphasizes that being sued does not mean options have run out, highlighting the possibility of negotiating settlements or filing for bankruptcy to protect assets. The episode provides valuable insights into the legal process, offering listeners practical advice on how to navigate these challenging situations and make informed decisions to safeguard their financial future. Key Timestamps: 00:01 – Introduction 00:10 – Understanding Creditor Lawsuits 00:36 – Consequences of a Creditor Lawsuit 01:02 – Options After Being Sued by a Creditor 01:39 – Bankruptcy's Role in Stopping Lawsuits 02:01 – Timeline for Responding to a Lawsuit 02:49 – Post-Judgment Collection Actions 03:33 – Case Example: Options After Being Sued 04:20 – Stopping Wage Garnishments with Bankruptcy 04:51 – Timing and Its Impact on Bankruptcy Benefits 05:24 – Taking Action After Being Served 05:54 – Importance of Consulting a Bankruptcy Attorney About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families in New Mexico navigate the complexities of bankruptcy law with clarity and confidence. Hosted by experienced attorney Jason Cline, the show provides practical advice and insights into Chapter 7 and Chapter 13 bankruptcy solutions. Each episode covers essential topics, offering listeners the knowledge they need to make informed decisions about their financial futures. Whether you're facing creditor lawsuits or considering bankruptcy, Fresh Start with Jason Cline is your guide to understanding your options and achieving a fresh financial start.
Oct 1

Medical Debt and Bankruptcy: When Filing Actually Makes Sense

Episode Summary: In this episode of Fresh Start with Jason Cline, Jason Cline, founder of the Law Office of Jason Cline in Albuquerque, New Mexico, dives into the complexities of managing overwhelming medical debt and the role bankruptcy can play in providing relief. Jason clarifies when individuals should consider bankruptcy, emphasizing that medical debt is often unavoidable and can be discharged through bankruptcy. He discusses the impact of medical debt on overall financial stability and shares insights on evaluating whether to continue making payments or file for bankruptcy. Jason also explains the differences between Chapter 7 and Chapter 13 bankruptcy, focusing on income levels and the nature of the debt. Listeners will gain a deeper understanding of how to approach medical debt proactively and the potential benefits of consulting a bankruptcy attorney. Key Timestamps: 00:01 – Introduction 0:10 – Understanding Medical Debt and Bankruptcy 0:40 – When to Consider Bankruptcy for Medical Debt 1:08 – Discharging Medical Bills Through Bankruptcy 1:32 – Evaluating Payment Options for Medical Debt 2:08 – Impact of Collections on Medical Debt 2:41 – Financial Strain from Medical Debt 3:13 – Case Study: Overwhelmed by Medical Debt 4:04 – When Bankruptcy May Not Be the Best Solution 4:35 – Choosing Between Chapter 7 and Chapter 13 5:07 – Proactive Steps Before Medical Debt Worsens About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families in New Mexico navigate the often daunting process of bankruptcy with clarity and confidence. Hosted by Jason Cline, a seasoned bankruptcy attorney, the show covers a range of topics including Chapter 7 and Chapter 13 bankruptcy solutions, financial planning, and debt management. Each episode offers practical advice and insights into the legal and financial aspects of bankruptcy, empowering listeners to make informed decisions about their financial futures. Whether you're facing overwhelming debt or simply want to understand your options, Fresh Start with Jason Cline provides the guidance you need. For more information, visit our website: https://www.attorneyjasoncline.com/
Sep 17

Can You Keep Your Tax Refund in Bankruptcy?

Episode Summary: In this episode of Fresh Start with Jason Cline, host Evan Mack and bankruptcy attorney Jason Cline delve into the complexities of how tax refunds are treated in bankruptcy cases. Jason explains why tax refunds, often a significant cash influx for families, become a critical concern when considering bankruptcy. He outlines the factors that determine whether a refund can be retained, such as the chapter of bankruptcy filed, timing, and applicable exemptions. The episode also covers the differences between Chapter 7 and Chapter 13 cases, emphasizing the importance of strategic timing and proper spending of refunds. Jason shares insights on common mistakes to avoid, such as repaying family debts with refunds, and highlights the necessity of transparency and planning with an attorney. Listeners will gain valuable knowledge on protecting their financial resources and making informed decisions about bankruptcy. Key Timestamps: 00:01 – Introduction 00:35 – Importance of Tax Refunds in Bankruptcy 01:11 – Factors Affecting Refund Retention 01:35 – Timing's Impact on Refunds 02:15 – Chapter 7 vs. Chapter 13 Refund Treatment 03:16 – Spending Refunds Before Filing 04:14 – Case Example: Timing and Strategy 05:21 – Partial Protection of Refunds 06:17 – Mistakes with Refunds in Bankruptcy 07:05 – Timing and Financial Strategy About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families in New Mexico navigate the complexities of bankruptcy with clarity and confidence. Hosted by Jason Cline, a seasoned bankruptcy attorney, the show offers practical advice and insights on Chapter 7 and Chapter 13 bankruptcy solutions. Each episode breaks down legal concepts into understandable terms, empowering listeners to make informed decisions about their financial future. Whether you're facing financial difficulties or simply seeking knowledge, Fresh Start with Jason Cline provides valuable guidance and support.
Sep 3

Filing Bankruptcy While Married: File Together or Separately?

Episode Summary: In this episode of Fresh Start with Jason Cline, host Evan Mack is joined by Jason Cline, founder of The law office of Jason Cline and Albuquerque in New Mexico. They delve into the intricacies of bankruptcy for married couples, exploring whether filing jointly or individually is more beneficial. Jason explains the implications of New Mexico's community property laws on debts and assets, highlighting how these laws affect bankruptcy proceedings. The discussion covers various scenarios, such as when one spouse has significant debt or owns substantial property acquired before marriage. Jason also addresses how household income and jointly owned property are treated in bankruptcy cases. Listeners will gain valuable insights into making informed decisions about bankruptcy, reducing financial stress, and protecting their marital assets. Key Timestamps: 00:01 – Introduction 00:28 – Differences Between Joint and Individual Bankruptcy 01:05 – Impact of Community Property Laws 02:00 – Efficiency and Cost-Effectiveness of Joint Filing 02:52 – Situations Favoring Individual Filing 04:05 – Treatment of Debt in One Spouse's Name 05:11 – Impact of One Spouse's Strong Credit 06:01 – Evaluating Joint vs. Individual Filing 07:22 – Jointly Owned Property in Bankruptcy 08:26 – Household Income Considerations 09:24 – Addressing Financial Stress in Marriage About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families in New Mexico navigate the complexities of bankruptcy law. Hosted by experienced attorney Jason Cline, the show provides practical advice and insights into Chapter 7 and Chapter 13 bankruptcy solutions. With a focus on clarity and confidence, each episode breaks down legal concepts into understandable terms, empowering listeners to make informed decisions about their financial future. Whether you're facing overwhelming debt or simply seeking to understand your options, Fresh Start with Jason Cline offers valuable guidance and support. For more information, visit our website: https://www.attorneyjasoncline.com/
Aug 20

Can Bankruptcy Stop Wage Garnishment in New Mexico?

Episode Summary: In this episode of Fresh Start with Jason Cline, host Evan Mack is joined by Jason Cline, founder of the Law Office of Jason Cline in Albuquerque, New Mexico. They delve into the complexities of wage garnishment and how bankruptcy can serve as a powerful tool to halt it. Jason explains the legal processes that lead to wage garnishment, including court judgments and the types of debts that can result in garnishment, such as credit card debts and taxes. The discussion highlights the differences between Chapter 7 and Chapter 13 bankruptcy, particularly how each can stop garnishments and manage debts like taxes and child support. Listeners will gain valuable insights into how bankruptcy can provide immediate relief through the automatic stay, preventing further garnishment and potentially recovering funds already taken. This episode is essential for anyone facing financial strain from wage garnishment and seeking effective solutions. Key Timestamps: 00:01 – Introduction 0:29 – Causes of Wage Garnishment 0:58 – Types of Debts Leading to Garnishment 1:22 – Limits on Garnishment Amounts 2:03 – Bankruptcy's Role in Stopping Garnishment 2:46 – Differences in Bankruptcy Chapters 3:08 – Financial Impact of Garnishment 3:47 – Immediate Protection from Bankruptcy 4:22 – Recovering Garnished Wages 5:16 – Special Cases: Taxes and Child Support 6:09 – Options Before Financial Situations Worsen About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families navigate the complexities of bankruptcy with clarity and confidence. Hosted by Jason Cline, a seasoned bankruptcy attorney, the show provides practical advice and insights on financial recovery, debt management, and legal strategies. Whether you're facing wage garnishment, overwhelming debt, or simply seeking a fresh financial start, this podcast offers expert guidance to empower listeners in making informed decisions. With a focus on New Mexico residents, the show aims to demystify bankruptcy and offer hope for a brighter financial future.
Aug 6

What Property Can You Keep in Bankruptcy in New Mexico?

Episode Summary: In this episode of Fresh Start with Jason Cline, host Evan Mack and bankruptcy attorney Jason Cline explore the intricacies of property exemptions in New Mexico bankruptcy cases. Jason Cline, founder of The Law Office of Jason Cline in Albuquerque, provides valuable insights into what property individuals can typically retain when filing for Chapter 7 or Chapter 13 bankruptcy. The discussion covers key concerns such as homes, vehicles, bank accounts, and retirement accounts, emphasizing that most people can keep their essential belongings. Jason explains how exemptions work to protect assets and the differences between Chapter 7 and Chapter 13 bankruptcy in terms of property retention. This episode is essential for anyone considering bankruptcy, offering clarity and confidence in navigating the process while maintaining vital assets. Key Timestamps: 00:01 – Introduction 00:31 – Common Property Concerns in Bankruptcy 01:10 – Factors Determining Property Retention 01:50 – New Mexico Bankruptcy Exemptions Explained 02:26 – Everyday Property Retention 03:21 – Handling Bank Accounts and Cash 03:59 – Protection of Retirement Accounts 04:28 – Analyzing Property with Equity 05:25 – Differences Between Chapter 7 and Chapter 13 06:06 – Misconceptions About Bankruptcy Property Loss 06:37 – Bankruptcy's Role in Financial Recovery About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families navigate the complexities of bankruptcy law with clarity and confidence. Hosted by experienced attorney Jason Cline, the show offers expert insights into Chapter 7 and Chapter 13 bankruptcy solutions, focusing on practical advice and real-world applications. Each episode breaks down legal concepts, dispels common myths, and empowers listeners to make informed decisions about their financial futures. Whether you're facing financial difficulties or simply seeking knowledge, Fresh Start with Jason Cline provides the guidance you need to achieve a fresh financial start.
Jul 23

Navigating Multiple Bankruptcy Filings with Jason Cline

Episode Summary: In this episode of Fresh Start with Jason Cline, Attorney Jason Cline, founder of the Law Office of Jason Cline in Albuquerque, New Mexico, joins host Evan Mack to discuss the intricacies of filing for bankruptcy more than once. Jason explains the commonality of repeat filings and the factors that determine eligibility for a second bankruptcy, such as the time elapsed since the previous filing. He delves into the waiting periods between different types of bankruptcy filings, highlighting the nuances of switching chapters to better suit individual circumstances. Jason also addresses the life events that often lead to a second filing, like job loss, divorce, or unexpected medical expenses. He reassures listeners that needing a second bankruptcy is not uncommon and emphasizes the importance of understanding one's options. This episode provides valuable insights for anyone considering another bankruptcy filing, offering clarity and confidence in navigating the process. Key Timestamps: 00:01 – Introduction 0:21 – Commonality of Repeat Bankruptcy Filings 1:00 – Factors for Eligibility for Second Filing 1:44 – Time Requirements Between Filings 2:58 – Life Events Leading to Repeat Filings 4:11 – Nuances in Personal Financial Situations 5:01 – Evaluation of Second Bankruptcy Filings 6:02 – System Exploitation and Consequences 6:44 – Switching Bankruptcy Chapters 7:43 – Encouragement for Those Considering a Second Filing 8:29 – Legislative Intent Behind Multiple Filings About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families navigate the complexities of bankruptcy with clarity and confidence. Hosted by Attorney Jason Cline, the show offers expert insights into Chapter 7 and Chapter 13 bankruptcy solutions, focusing on the unique challenges faced by residents of New Mexico. Each episode breaks down legal concepts into accessible discussions, empowering listeners to make informed decisions about their financial futures. Whether you're considering bankruptcy for the first time or exploring repeat filings, Fresh Start with Jason Cline provides the guidance you need to achieve financial stability.
Jul 9

What Happens to Your House in Bankruptcy in New Mexico?

Episode Summary: In this episode of the Fresh Start with Jason Cline podcast, attorney Jason Cline discusses the crucial topic of home protection during bankruptcy. Jason, a seasoned bankruptcy attorney in New Mexico, addresses common fears about losing one's home when filing for bankruptcy. He explains that 99% of individuals can keep their homes, thanks to generous state exemptions that protect significant equity. Jason details the differences between Chapter 7 and Chapter 13 bankruptcies, highlighting how each can impact homeownership depending on equity levels. He also explores how bankruptcy can prevent creditors from placing liens on properties due to unpaid debts like medical bills or credit cards. Listeners will gain valuable insights into how bankruptcy can actually ease financial burdens and help maintain homeownership, making this episode essential for anyone considering bankruptcy as a solution. Key Timestamps: 00:01 – Introduction 0:21 – Protecting Your Home in Bankruptcy 0:40 – Common Fears About Losing a Home 1:09 – Factors Affecting Home Retention 1:57 – Equity's Role in Bankruptcy 3:12 – New Mexico Bankruptcy Exemptions 3:49 – Chapter 7 vs. Chapter 13 Analysis 4:44 – Impact of Credit Card and Medical Debt 5:38 – Equity Levels and Bankruptcy Options 6:12 – Bankruptcy as a Tool to Keep Your Home 7:05 – Understanding Risks and Consulting Attorneys About the Show: Fresh Start with Jason Cline is a podcast dedicated to helping individuals and families navigate the complexities of bankruptcy with clarity and confidence. Hosted by attorney Jason Cline, the show offers expert insights into Chapter 7 and Chapter 13 bankruptcy solutions, focusing on protecting assets and achieving financial freedom. Designed for those considering bankruptcy as a fresh start, the podcast provides valuable information and practical advice to empower listeners in making informed decisions about their financial futures.

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Creator

The Legal Podcast Network (LPN)
Years Active

2025 - 2026
Episodes

20
Rating

Clean
Show Website

Fresh Start with Jason Cline

Fresh Start with Jason Cline

Episodes

What Happens If a Creditor Sues You Before You File Bankruptcy?

Medical Debt and Bankruptcy: When Filing Actually Makes Sense

Can You Keep Your Tax Refund in Bankruptcy?

Filing Bankruptcy While Married: File Together or Separately?

Can Bankruptcy Stop Wage Garnishment in New Mexico?

What Property Can You Keep in Bankruptcy in New Mexico?

Navigating Multiple Bankruptcy Filings with Jason Cline

What Happens to Your House in Bankruptcy in New Mexico?

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