Tori Bramble is a bankruptcy attorney with over 20 years of experience. She is licensed to practice in Maryland and Virginia and has helped over 1,500 clients discharge thousands of dollars and find debt relief by filing Chapter 7 or Chapter 13 bankruptcy. A New York native, Tori got her J.D. from the Antonin Scalia Law School at George Mason University in 1996. She opened her own practice, Bramble Law Firm, in 2005. Tori’s also passionate about family law and is a CDC Certified Divorce Coach, helping to support fathers through the separation and divorce process. Outside of her work, Tori loves watching comedies and singing karaoke.
Articles written by Attorney Tori Bramble
6 Popular Credit Repair Software Programs
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated August 7, 2025
It’s important to review your credit report for errors, but doing this on your own can be time-consuming and frustrating. This is where credit repair software can help. This user-friendly software can help you find mistakes on your report, generate dispute letters to get errors removed, and even simulate your future credit score based on paying off debt or having mistakes removed. Credit repair software can help you decide which debt to pay off to improve your credit score most quickly. But before you buy credit repair software or hire a credit repair company, let’s have a look at what credit repair software is and how it works.
Read More →I Have a Judgment Against Me. What Happens Next?
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated August 7, 2025
If a court judgment has been entered against you, it’s important to understand what this means and what to do next. A judgment gives creditors the ability to collect what you owe using tools like wage garnishment, bank levies, or property liens. Acting quickly can help you protect your income and property, as state exemption laws may allow you to shield certain assets. This article explains how judgments work, the collection methods creditors use, and how to minimize the impact on your finances.
Read More →Does Colorado Law Protect Me From Debt Collectors?
Written by Attorney Tori Bramble.
Updated August 7, 2025
Collection agencies are required to follow federal and state laws when trying to collect a debt from you. Fortunately, all states are under the protection of the federal Fair Debt Collection Practices Act (FDCPA). The FDCPA is a debt collection law that protects you from intrusive and predatory collection agency practices such as calling you late at night, cursing at you, and trying to collect a debt you don’t owe. Some states, including Colorado, also have laws that provide additional protections for consumers from debt collectors. Here we’ll discuss the consumer protections available to Colorado residents under the Colorado Fair Debt Collection Practices Act (CFDCPA).
Read More →What Is a Paid in Full Letter & How Does It Work?
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated May 8, 2025
If you send a paid in full letter to your creditor or debt collection agency, it informs them that you’re making your final payment. If they send one to you, they are confirming that the debt has been paid in full.
Read More →6 Strategies To Negotiate Your Credit Card Debts
Written by Attorney Tori Bramble. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025
Whether you have a good credit score or a bad one, it’s possible to negotiate with credit card companies to lower your credit card debt. If you have a good credit score, creditors are usually not eager to help you negotiate your credit card debt because they think you can pay your debt. But if you’ve missed payments and the credit card issuer fears you may not pay them back in full, they may be willing to help you negotiate your balance. In this guide, you’ll learn how to negotiate credit card debt. We'll give actionable tips for folks who have a good credit score. Then we’ll provide credit card negotiation strategies that you can use if your credit score is not that good anymore.
Read More →How Partial Claim Loans Can Help With Overdue Mortgage Payments
Written by Attorney Tori Bramble. Legally reviewed by Jonathan Petts
Updated May 1, 2025
The U.S. Department of Housing and Urban Development (HUD) offers programs to help homeowners with FHA-insured mortgages who are struggling to make their payments. Whether you’re facing financial challenges due to job loss or other difficulties, these programs can help you avoid foreclosure and stay in your home. This article explains how HUD’s mortgage relief options, like loan modifications and partial claims, work and how you can qualify for assistance.
Read More →What Is Form 656 And How Do I File One?
Written by Attorney Tori Bramble.
Updated August 23, 2021
If you owe back taxes to the IRS, the offer in compromise (OIC) program could help you settle your tax debt by paying less than what you owe. You’ll have to fill out Form 656 to make an offer in compromise to the IRS, which will include the details of your repayment offer. This article will expand on eligibility requirements for OICs, benefits for low-income filers, how to fill out a Form 656, and what you need to send to the IRS along with the form.
Read More →Eviction Laws and Tenant Rights in Rhode Island
Written by Attorney Tori Bramble.
Updated April 28, 2025
Landlords in Rhode Island can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Rhode Island.
