Kassandra is a writer and attorney with a passion for consumer financial education. Outside of consumer law, she is focused on pro bono work in the fields of International Human Rights Law, Constitutional and Human Rights Law, Gender and the Law. Kassandra graduated from University of California, Hastings College of the Law.
Articles written by Attorney Kassandra Kuehl
What Are the Utah Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated January 14, 2026
Utah law requires residents who have lived in the state for at least two years to use its state exemptions when filing Chapter 7 bankruptcy. Exemptions protect your property during the bankruptcy process so that you can get a financial fresh start without having to start from scratch. If you’re filing as a single person, the homestead exemption in Utah is $42,000. The motor vehicle exemption is $3,000. Utah doesn’t offer a wildcard exemption.
Read More →What Are the Oklahoma Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated January 13, 2026
If you file Chapter 7 in Oklahoma, you’ll use the state’s bankruptcy exemptions to protect your property. Oklahoma has a generous homestead exemption that allows bankruptcy filers to protect all the equity in their home, provided it isn’t on more than 1 acre in an urban area or 160 acres in a rural area. The motor vehicle exemption for single filers in Oklahoma is $7,500.
Read More →What Are the Massachusetts Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated January 9, 2026
Massachusetts law allows for most residents to choose between federal bankruptcy exemptions and state exemptions to property that could be affected by the bankruptcy process. The only time that this choice is not available is if a filer is a new Massachusetts resident and has lived in the state for less than two years. By examining each approach below, you can determine whether your case will be served best by applying Massachusetts exemptions or by claiming those available under federal law. Oftentimes, both schemes do an equally adequate job of safeguarding a filer’s property. But sometimes, it’s advantageous to choose one option over the other.
Read More →What Are the Arkansas Bankruptcy Exemptions?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated January 8, 2026
If you’ve lived in Arkansas for at least two years and you’re filing Chapter 7, you can choose between the federal or state bankruptcy exemptions. Bankruptcy exemptions are laws that help you protect your property when you file your case. For many types of property and belongings, federal exemptions are more generous for filers. However, Arkansas does have a generous acreage-based homestead exemption, which can be useful if you’re a homeowner.
Read More →What Is Bankruptcy Fraud?
Written by Attorney Kassandra Kuehl. Legally reviewed by Attorney Andrea Wimmer
Updated December 11, 2025
Bankruptcy fraud is a broad term that describes a variety of actions that filers sometimes take to get an unfair advantage. Depending on what form that fraud takes, it’s considered a crime and is punishable by up to five years in federal prison and a (non-dischargeable) fine of up to $250,000. This article will explore some common types of bankruptcy fraud.
Read More →What Are Missouri's Car Repossession Laws?
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated January 16, 2026
Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Missouri's Repossession Laws and what you should know if you've fallen behind on car payments.
Your Guide to Virginia's Repossession Laws
Written by Attorney Kassandra Kuehl. Legally reviewed by Attorney Tina Tran
Updated January 16, 2026
Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Virginia's Repossession Laws and what you should know if you've fallen behind on car payments.
Repossession Laws in Minnesota
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated December 19, 2025
In Minnesota, your lender can legally repossess your car after just one missed payment, though many lenders wait 60–90 days before taking action. They usually don't have to notify you in advance unless they've allowed late payments in the past, in which case a Cobb notice is required. Even after falling behind, you may be able to avoid repossession by working with your lender, returning the car voluntarily, or considering options like Chapter 7 bankruptcy. If your car is repossessed, you might still owe money, but Minnesota law offers some protections depending on your loan amount and repayment history.
Repossession Laws in West Virginia
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated November 7, 2025
In West Virginia, lenders must wait until you're at least five days late on a car payment before starting the repossession process, and they’re required to send you a 10-day notice giving you a chance to catch up. If you pay the overdue amount during that time, the lender can’t legally take your vehicle. After repossession, the lender can either offer to keep the car to settle the debt or sell it, but they must follow fair sale practices. You may still owe money if the sale doesn’t cover the full balance. Filing Chapter 7 bankruptcy can stop repossession and help erase any remaining car loan debt, including deficiency balances over $1,000.
Wage Garnishment in Nevada
Written by Attorney Kassandra Kuehl. Legally reviewed by Jonathan Petts
Updated November 7, 2025
In Nevada, most creditors must sue you and win a court judgment before they can garnish your wages, though government debts like taxes or child support may follow different rules. Once the court approves the garnishment, your employer must withhold part of your paycheck. The amount depends on how much you earn and state law. Some income, like Social Security, unemployment, and child support you receive, is protected and can’t be garnished. Many people stop garnishment by paying the debt, settling with the creditor, or filing Chapter 7 bankruptcy, which can pause collections and wipe out certain debts.
