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The Debt Life Paperback – May 19, 2020

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An inside look... The definition of “bankrupt” is as an “(of a person or organization) declared in law unable to pay outstanding debts” and “completely lacking in a particular quality or value”; as a noun “a person judged by a court to be insolvent, whose property is taken and disposed of for the benefit of creditors,”; and as a verb “reduce (a person or organization) to bankruptcy.” As dire as that may sound, Merriam-Webster defines ‘bankrupt” as “a debtor (such as an individual or organization) whose property is subject to voluntary or involuntary administration under the bankruptcy laws for the benefit of the debtor’s creditors.” Definitions aside, the pervasive stigma historically attached to the word is probably worse. But things are changing. Second Chance For some reason, our society, one that was founded on ‘everyone gets a second chance’, seems to look down on people trying to get a second chance and a clean slate when it comes to debt. Maybe, now that more and more individuals, companies, and even presidents of the United States (including one who signed The Declaration of Independence), are using bankruptcy as a financial tool, to their advantage, it will become more ‘accepted’ and ‘mainstream’ by society. The first federal Bankruptcy law in the U.S. was the Bankruptcy Act of 1800. It was repealed just three years later but was followed by the Bankruptcy Act of 1843. That was succeeded by the Bankruptcy Act of 1867, which was amended in 1874, and then repealed in 1878. Finally, the first modern Bankruptcy Act became law in 1898. It was sometimes called the “Nelson Act”. The current Bankruptcy Code was enacted in 1978. The current Code has been amended numerous times since 1978, with the last major amendment being in 2005.
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Product details

  • Publisher ‏ : ‎ CVH Group, LLC
  • Publication date ‏ : ‎ May 19, 2020
  • Language ‏ : ‎ English
  • ISBN-10 ‏ : ‎ 057862219X
  • ISBN-13 ‏ : ‎ 978-0578622194
  • Item Weight ‏ : ‎ 1.01 pounds
  • Customer Reviews:
    5.0 out of 5 stars 1 rating

About the author

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Chad Van Horn
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Author and attorney Chad Van Horn shares true stories in The Debt Life to underscore that there are proven tactics to lift the burden of debt and the spirit-crushing stress it causes. Regardless of the reason for deep debt – from liberal use of credit cards to a one-off medical emergency – debt doesn’t have to define your life. There is hope.

Van Horn, founding partner attorney at Van Horn Law Group, P.A., has seen thousands of clients go from downtrodden and desperate to uplifted and optimistic after going through the bankruptcy process, never easy or enjoyable, but ultimately worth it. The Debt Life shares these stories of hope.

Restoring peace of mind to individuals in financial distress is the linchpin of Van Horn’s firm. The team at Van Horn Law Group, P.A. is committed to dispelling debt, and the stress that comes along with it, by offering first-rate, affordable legal services with compassion, understanding and respect. The firm’s client-oriented philosophy filters into all practice areas, including student loan consolidation and litigation, estate planning/asset protection, LGBT estate planning/asset protection, foreclosure defense, corporate representation, debt consolidation, civil litigation, debt relief and consumer law, in addition to personal and corporate bankruptcy.

This unique way of operating in the business of law, combined with the hard work of a superior team, landed Van Horn Law Group, P.A. on Inc. magazine’s 2019 list of the top 5,000 fastest-growing, privately held companies in the United States. The firm also ranks as one of the top bankruptcy firms in Chapter 7 cases filed in the state of Florida* and the top bankruptcy firm in Broward County based on total number of cases filed.**

Van Horn began his journey toward launching his successful firm as a business major at Robert Morris University, in Pittsburgh, PA. He completed his Bachelor of Science in Business Management with a focus on Entrepreneurship and International Business in 2005, including a semester abroad at American University of Rome in Rome, Italy. This experience broadened his horizons by opening his eyes to global economic and social perspectives.

In 2005, Van Horn moved to South Florida and started working as a bankruptcy law clerk while attending law school at night. He earned his juris doctor from Nova Southeastern University’s Shepard Broad Law School in 2009 and was elected graduating class speaker, a vocation which he still avidly enjoys. Van Horn, a Fort Lauderdale resident, received his certification by the Florida State Bar in 2009 and from the Supreme Court of the United States in 2014. He is accredited in both consumer and business bankruptcy by the Association of Boards of Certification.

In addition to The Debt Life, Van Horn also authored Everything You Need to Know About Bankruptcy in Florida, a roadmap to bankruptcy outlining options available to those deep in debt. The book is available at www.freebankruptcybook.com.

*According to 722 Redemption Funding, Inc

**Visit pacer.gov for statistics.

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