Bankruptcy Attorney Atlanta #bankruptcy #attorneys #in #atlanta #georgia


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Welcome to Ginsberg Law Offices

Are you sitting at your kitchen, looking at a stack of bills, thinking “there is no way I am ever going to have enough money to pay off all of this debt .” If so, you are not alone. If you are like many of our honest, hardworking clients, you, too, may conclude that the bankruptcy law may be your best solution to harassing creditors, overdue bills and the threat of foreclosure, repossession or wage garnishment.

In 2016, the year just past, over 32,300 people filed for bankruptcy protection in the Northern District of Georgia. In 2015, over 34,000 people filed. Based on statistics released by the Clerk of Bankruptcy Court for the Northern District of Georgia, around 500,000 people have filed bankruptcy over the past 10 years. Given that there are about 5 million people in the Atlanta metro area, this means that about 1 out of every 10 north Georgia residents has filed a Chapter 7 or Chapter 13.

I give you these statistics not to promote bankruptcy filing as a positive (I strongly believe that it should be considered as a last resort) but to demolish the myth that only deadbeats and speculators file bankruptcy. The truth is that whether economic times are good or bad, even a few bad months caused by:

  • a short term job layoff
  • a separation or divorce
  • an unexpected illness
  • an unwise purchase

can send you spiraling over the edge of solvency.

You may be wondering:

  • what does it mean to seek relief under the bankruptcy laws?
  • are there legitimate alternatives to bankruptcy?
  • do I qualify?
  • what is the cost?
  • will I ever get credit again?

You ll find the answer to all of these questions on this web site. You are also invited to call Ginsberg Law Offices at 770-393-4985 to speak with either attorney Jonathan Ginsberg or attorney Susan Blum for advice specific to your situation. Bankruptcy, when used as a financial tool, can serve as a reset button. It can give you a second chance and a do-over. More importantly, bankruptcy can give you back your peace of mind – your capacity to sleep though the night and to escape that perpetual bad mood.

On this web site, you will discover the answer to these and other questions Susan and I answer every day. One thing for certain – legal debt relief under Chapter 7 or Chapter 13 is not a one size fits all solution. Some cases last 5 months and some cases last 5 years. Usually we can file a case in which you do not have to give up any of your property, although sometimes you may choose to surrender a house or a car to cancel the payment obligation.

Why Choose Ginsberg Law?

As an Atlanta bankruptcy attorney for the past twenty-five years, I have come to understand just how difficult it will be for you to make that call to me about filing a bankruptcy case. Attorney Susan Blum, who joined Ginsberg Law Offices as as of counsel attorney several years ago, joins me in encouraging you to call our office at 770-393-4985 if you think that filing may be an option.

We have represented hundreds of Chapter 7 and Chapter 13 clients and have successfully guided these clients through the bankruptcy process in Atlanta and nearby bankruptcy filing districts of Gainesville, Newnan and Rome. When you become one of our clients, you will meet one-on-one with the attorney – not a paralegal or legal assistant – to discuss the financial problems you are facing. And whether you decide to file bankruptcy, or pursue a non-bankruptcy alternative, you will feel a sense of relief knowing that you more clearly understand the bankruptcy process and whether filing makes sense for you.

Most of the people I see say things like “I never thought I would be in this position ” or “this is the most embarrassing and difficult decision I have ever made .” I want to reassure you that when you contact Susan or me, we will treat you with courtesy and respect and that we will treat the information you provide to us n strict confidence.

As a small firm that offers one-on-one attention to our clients, you may want to know how we approach the bankruptcy process:

  • While bankruptcy serves as a powerful tool to address debt problems, it is not the only solution. When you call, we will discuss both bankruptcy and non-bankruptcy alternatives.
  • If we agree that bankruptcy makes sense for you, there are two parts to filing – first, we must prepare and file your paperwork; second – when your case is over, you will need guidance from us about how to restore and rebuild your credit. We will help you with both of these services.
  • Our fees are reasonable and a lot less than downtown law firms, but we are not a discount legal clinic. Susan or I will quote a price for your case based on the facts of your case. The law now requires us to gather a great deal of documentation about your income, expenses, assets and debts. No longer can you file a case without first producing documents including past year’s tax returns, copies of pay stubs, and proof of expenses. I have set up a page on this web site called Just Starting to Look that sets out exactly what I need to analyze your debt situation. You can then fax us your package of information (fax is 770-393-0240) and we will review at no charge. You can also drop your package by our office.

What You Will Discover on this Website

Most people considering bankruptcy have a lot of questions. You may have very little experience with court proceedings of any kind and now you are thinking about filing a 50 page petition that will become part of a public record containing information about your income, your debts, your assets and what you spend every month. What privacy rules apply? Will your employer, relatives and friends find out that you have filed? Will you ever recover from this embarrassing experience and qualify for a mortgage, car loan or credit card?

These questions are very relevant and you deserve truthful and accurate answers. You also deserve the attention of a lawyer who will take the time to learn what you have been through, answer your questions and treat you with respect. Although Jonathan and Susan see bankruptcy as a last resort, we also recognize that sometimes unpleasant or unexpected things happen to good people. In our practice, we see men and women from every walk of life – including teachers, administrative personnel, managers, professionals (doctors, lawyers, engineers, accountants). You can be certain that no matter what your situation, you will always be treated with professionalism and respect and that any information you provide will be kept in the strictest of confidence.

The Atlanta bankruptcy lawyers from the Ginsberg Law Office can help clients with Chapter 7 and Chapter 13 cases. As experienced Atlanta bankruptcy attorneys, the Ginsberg Law Office has been helping clients in Atlanta for 25 years. Call our Atlanta bankruptcy attorneys at 770-393-4985 for your consultation today!

Just Starting to Look or Ready to File Either way, we can help!

As you might imagine, I receive a lot of phone calls every day from people who are facing debt issues and have some questions about bankruptcy. Several of these callers have been reluctant to download and fill out a long form questionnaire. I understand this concern and to address it, I created a simple two-page worksheet that should give me enough information to speak with you.

Don’t Guess About What to Do – the Wrong Choices can Set You Back

  • I urge you to call or e-mail before you try any desperate measures like raiding your retirement plan, transferring property, or transferring credit card balances. Although I can deal with these actions, you are usually better off not taking these steps. I would rather hear from you sooner rather than later.
  • I also recommend that you contact me if you have been sued or if there is a pending judgment. When a judge issues a judgment the underlying debt becomes a secured debt and can be satisfied by seizing bank accounts, garnishing wages or liening property. While I can sometimes get rid of judgments in a bankruptcy, you are better off avoiding them whenever possible.

Contact Us Today

Please take a few minutes to read the information on this web site and to watch the videos I have posted. Bankruptcy is a big decision and Susan and I want you to be both informed about bankruptcy law in Georgia and we want you get a sense about how we practice.

If you would like to learn more about Atlanta bankruptcy law, I invite you to call or email for free information about Chapter 7 law and Chapter 13 law, the rules that identify the property you can exempt (protect) when you file using Georgia s bankruptcy exemption statute (Section 44-13-100 of the Official Code of Georgia), and how you can rebuild your credit after filing. Jonathan and Susan are here to help you decide if the right decision for you and your family involves a Chapter 7 or Chapter 13 bankruptcy.

Under the Title 11 of the United States Code, law firms like Ginsberg Law Offices, P.C. that represent consumer debtors have been designated as “debt relief agencies.” This means that we help people file for bankruptcy relief under the Bankruptcy Code.

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Orlando Bankruptcy Attorney #orlando #bankruptcy #lawyer


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Charlie Price Orlando Bankruptcy and Foreclosure Defense Attorney

Bankruptcy Can Help Repair Your Financial Situation

Filing for bankruptcy does not make you a bad person, nor does it have to be the end of the world. Bankruptcy can be a powerful tool for people who have fallen on hard times and need help getting back on their feet. Learn how filing for bankruptcy can actually help you rectify your financial hardships.

Lets face it bankruptcy or foreclosure is not something anyone would be proud of but the Price law firm takes the anxiety out of the whole process. There was always someone available to answer any concerns or questions that came up. I am truly grateful to have had them in my corner. When life throws you a curve let the Price law firm straighten it out.

Bankruptcy is not something people feel is a good option but when you face the facts, paying back loans or unsecured debt buries you quick. What I ve learned is if you can not pay for it today, you will not afford it tomorrow. It gives me great satisfaction to set a goal, save and now be able to pay for something in cash. Price Law Firm has allowed me to reach financial freedom and during the bankruptcy process also received education on how to better my financial future.

Excellent treatment! If it wasn’t for Price law firm I am sure I would have lost my home. The staff was caring to all my needs. They explained every step of the process to me and treated me with dignity, even though my circumstance was bleak. I truly recommend this firm to anyone that is trying to save their home it was worth the investment. Two thumbs up for this firm!

I am a single mom going through tough financial times after my divorce. I was beginning to lose hope that I would ever be able to stay in the house my kids grew up in. Then a friend told me to talk to Charlie to see if he could help me. I can t tell you how much I appreciate my friend, and Charlie for taking my case! He has given me hope that I may someday soon be able to keep my house. Charlie was able to put a stop to the foreclosure proceedings and I have been able to stay in my house until then.

Contact Us Today

If you are thinking about bankruptcy, it probably means that you have been in debt trouble for quite some time. In fact, you may have reached the point where you are avoiding the phone or even the mail because you are sick of creditor harassment. You may even be at the point where you are facing a lawsuit, wage garnishment, home foreclosure or vehicle repossession.

The Price Law Firm serves clients throughout Central Florida in all aspects of consumer bankruptcy matters. Whether you need help with Chapter 7 or Chapter 13 bankruptcy, foreclosure defense, IRS tax issues or incorrect credit reporting, our attorneys are ready to help.

We pride ourselves on the personalized service we provide to every client. We know that you are going through a difficult time. You can rely on us to be there with you at every step, working to obtain the debt relief you need to make a fresh start.

Contact our office today to discuss your questions with a skilled lawyer. You can reach us by phone at 407-834-0090, or by using the contact form to the right. Charlie Price is pleased to offer a free consultation to discuss the many options you have.


What does a paralegal do compared to a legal assistant or a


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What does a paralegal do compared to a legal assistant or a legal secretary?

Many clients wonder what does a paralegal do for me. The simple answer to that question is a paralegal does whatever tasks assigned to him or her by the supervising attorney to assist the attorney in representing the client. What does a paralegal do :

  • Assist attorneys during trials
  • Organize case files and prepare trial notebooks
  • Perform legal research on current laws and cases
  • Prepare legal briefs
  • Draft correspondence and legal documents
  • Conduct client and witness interviews

In smaller firms, a paralegal may perform secretarial duties while she is completing assignments. For instance, if the attorney gives the paralegal a legal pleading to draft, she may type the document herself rather than dictating the document for a secretary to type. A paralegal may also do her own office filing, copying and mail outs instead of giving these tasks to other staff members. However, some paralegals may spend all of their time performing legal research, interviewing clients or drafting pleadings.

Because there are no national standards or certifications for paralegals, it is up to the legal community as a whole to determine job descriptions. A paralegal’s job description will vary depending on the attorney, the type of law the attorney practices, the size of the law firm and the location of the law firm.

Question: What does a paralegal do?

Answer: Any task assigned to her by the attorney.

What does a paralegal do that a legal assistant cannot do nothing. The National Association of Legal Assistants states that the terms legal assistant and paralegal are interchangeable. Therefore, a legal assistant may perform the same tasks for an attorney that a paralegal performs for him. However, some attorneys consider only assistants who have a degree to be a paralegal. Anyone without a paralegal degree performing similar tasks would then be considered a legal assistant. Smaller firms may use either term to describe the same position but larger firms and corporate legal departments will normally require a paralegal to have a minimum of an Associate’s Degree before they can use the title of paralegal.

What does a legal secretary do?

Now that you know the answer to the question, “What does a paralegal do?” you will be able to distinguish a paralegal from a legal secretary. A legal secretary types documents for the attorney from dictation, prepares correspondence, answers the telephone, greets and assists clients and maintains the attorney’s calendar. In some firms, the duties of a legal secretary may include some of the same tasks that would be assigned to a paralegal or legal assistant in larger firms. The same is true for legal secretaries as it is for paralegals they do whatever is assigned to them to assist the attorney and keep the law office running smoothly.

Job skills required to be a paralegal, legal assistant or legal secretary

To perform the legal tasks assigned to them by an attorney, legal staff members must possess certain skills. Computer skills are required because a growing number of law offices, and courts, are paperless. Good communication skills and strong organizational skills are essential since paralegals work with the public and under multiple deadlines. Attention to detail and the ability to multitask round out the qualities of a good paralegal.

If you want to know how to become a paralegal, the first step you should take is finding an accredited paralegal program through a university or community college. Search for a paralegal school that has been accredited by the American Bar Association. Programs that have been accredited by the ABA have met the educational standards of the ABA’s Standing Committee on Paralegals. Some programs offer a paralegal certificate but those programs are usually very short and overly broad. An Associate’s Degree in paralegal studies offers a two-year degree. These programs are more in depth and provide a better foundation for a career as a paralegal.

For individuals who desire to work in larger law firms, a Bachelor’s Degree is usually required. The advantage of having a Bachelor’s Degree, in addition to a paralegal degree, is that the student receives a more rounded education including courses in English, literature and history, which help develop good communication skills.

How much does a paralegal make?

The answer to this question depends on several factors. The factors that influence paralegal salary primarily are:

  • Education
  • Experience
  • Type of law
  • Location of law firm
  • Size of law firm
  • Attorney’s attitudes and preferences

According to the Bureau of Labor Statistics, the median income for a paralegal is $46,680 per year. However, this does not take into consideration many of the individual factors listed above. Salary.com reports that the median income for a paralegal is $47,377 per year; however, you can narrow this figure by entering the location of the job. The region’s cost of living and the salary trends for that specific location will also affect the average salary of paralegals.

It is important to remember that paralegals holding a Bachelor’s Degree often earn more than paralegals without a degree; however, there are exceptions to this rule experience and the attorney. Some attorneys give more weight to experience over education because no matter how much education a paralegal may have it can never be substituted for real world experience. In order to increase base salary, a paralegal can focus on a specific area of law to obtain more experience.

Is becoming a paralegal a good career choice?

Now that you know the answer to the question, “What does a paralegal do?” you may want to know if being a paralegal is a good career choice for you. The Bureau of Labor Statistics reports that jobs in the paralegal field are expected to increase by 18% between 2010 and 2020. Therefore, paralegal graduates can be optimistic with the outlook for the career.

Furthermore, careers in the legal field will not likely disappear with changes in the economy. Individuals will continue to need the services of an attorney for various life events such as buying a home or preparing a will. In addition, as attorneys seek ways to cut overhead, corporate law firms try to reduce in-house legal costs and clients demand lower legal fees, the role of a paralegal will become increasingly more important since a paralegal can perform many of the same tasks as an attorney but for a much lower rate.

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How to Rebuild Your Credit After Bankruptcy – Fast #credit #score,credit #cards,bankruptcy,rebuild


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How to Rebuild Your Credit After Bankruptcy — Fast

It’s about as popular as a root canal or a blown tire on the freeway. Yet like both of those dreaded occurrences, filing for bankruptcy is commonplace in modern America. In 2013 1,107,699 individuals and businesses in the U.S. had to file for bankruptcy according to government data. While it’s pretty safe to say that not many of the folks who filed for Chapter 7 or Chapter 13 bankruptcy were eager to do it, it’s worth remembering that bankruptcy is by no means a financial death sentence.

After all, bankruptcy protection is designed to provide people and companies with a way to discharge at least some of their debts and start over. And one of the very first steps to reboot your financial life involves rebuilding your credit score.

How Bankruptcy Affects Your Credit Score

There’s no sugarcoating the fact that any individual who has to file for bankruptcy is going to see a negative impact on their credit score. This matters because lenders rely on credit scores – which typically range from 300 on the low end to a maximum of 850 – to determine whether or not to offer you a mortgage or car loan and, if they do, at what interest rate. Put another way, a credit score is a quick way for lenders to decide how risky it is to loan you money.

Not surprisingly, a bankruptcy — which, by definition, allows someone to not repay all of their debts — hammers your credit score. How much it hurts depends on where you started. According to the Fair Isaac Corporation, which is better known as FICO and the best-known company that calculates credit scores, someone with a stellar score of 780 would see their rating plummet to between 540 and 560 after declaring bankruptcy. A person with a starting score of around 680 can expect to drop between 150 and 180 points, to between 500 and 530, after a bankruptcy. You can take a look at the credit profiles of the two people used in the FICO example here.

What does this all mean? In short, bankruptcy is a major red flag to lenders, a fact that is reflected in your credit score. In April of 2014 FICO reported that its median score was 711. Scores of 550 or lower are considered “deep subprime” by lenders and carry with them high interest rates – if you can get a loan at all.

Rebuilding Your Credit to Improve your Financial Health

Fortunately, a bankruptcy is by no means game over for your financial life. There are steps you can take to begin rebuilding your credit and, eventually, your overall financial health. “Bankruptcy is a very difficult and emotional time since there are severe consequences, but it also represents a chance to “start over” from a financial sense,” says Bill Harddekopf. CEO at LowCards.com.

According to Hardekopf, the road back to financial well being starts with rebuilding your credit score. “One of the first things to do is to get a free copy of your credit report, which you are able to do once a year from each of the three major credit reporting agencies. Check this for errors. Make sure you also determine your FICO credit score and work diligently to build up this score each month.”

Raising your score, says Hardekopf, is all about getting back to basics. “Pay your bills on time. Don’t spend more than you can afford. Get a credit card that reports to the credit reporting agencies and pay off the entire balance each month so you don’t incur any interest charges–this will help slowly build your credit score.”

Gerri Detweiler, author of Debt Collection Answers. How to Use Debt Collection Laws to Protect Your Rights, counsels that it’s important to avoid the urge to steer clear from credit after a bankruptcy. “Unfortunately, many people avoid credit afterward, which is understandable, but doesn’t help the situation,” she says. Instead, Detweiler says to focus on responsibly repaying any loans — such as a car or student loan — that may have survived bankruptcy. “Continue to pay them on time. You may also want to get a secured credit card. Use it for one purchase a month (your cell phone bill for example) and pay it off right away, and it will provide a valuable credit reference,” she says. “I’ve seen consumers boost their credit scores by 50-75 points or more in one or two years using this approach.”

Ways to Improve Your Credit After a Bankruptcy: A Checklist

As both Detweiler and Hardekopf make clear, being proactive about rebuilding your credit score after a bankruptcy is a must. Here are some other ways to take an active role in reinvigorating your financial health post-bankruptcy:

Know your credit score — Many people put this one off, because it can be painful. You know your credit score is low so does it really matter how low? Yes, it does. Get a copy of your credit report and know your score. Review it for any inaccuracies and make note of your debts. Only then can you come up with a plan to pay off your debts and improve your credit. WisePiggy.com is a great resource to get your score truly for free (without having to enter your credit card number).

Open a new bank account — Opening a new checking and savings account will demonstrate financial stability. It can also give you a fresh slate to practice good financial habits. When you open your account, talk to the banker about signing up for automatic online bill pay. This will ensure that your bills are paid on time, which is a major factor in good credit.

Apply for a secured credit card — If big credit card bills led to your bankruptcy, you may feel like this is a terrible idea. Why go down that path again? The best answer is that secured credit cards are one of the easiest ways to build credit and improve credit scores. Compare interest rates of different cards, so you can select a card with the best rate and a low annual fee. A rate around 15% is good and an annual fee less than $30 is desirable.

Get a gas card or a retail card — Gas and retail credit cards will also improve your credit. If you drive a car, you will have to purchase gas. You should make those purchases work for you. Gas and retail cards typically don’t require applicants to have good credit and, in fact, cater to folks with blemished credit.

Pay off your balance in full every month — While you are reestablishing your credit, it’s critical to pay off your full balance every month. This demonstrates to creditors that you are not a risk. Timely payments also have a significant impact on your credit score.

Continue to monitor your credit score — Check your credit score regularly (monthly is ideal) while you are actively improving your credit. Watching that number go up can make you feel like your hard work is really paying off.

Finally, it’s also important to remember to be patient throughout this process. A bankruptcy can impact your credit for as long as 10 years. But the more active a role you take and the sooner you get started, the quicker you can bounce back from bankruptcy. The bottom line is avoid a bankruptcy if at all possible, but if you have to file, then know there is hope. Good luck and please share any tips or feedback you might have below!

Curtis Arnold, a nationally recognized consumer advocate, is the founder of BestPrepaidDebitCards.com. which provides ratings of prepaid cards and secured credit cards. He also founded CardRatings.com almost 20 years ago.

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Your access to this site has been limited #bankruptcy #attorney #atlanta


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Bankruptcy Filing Fees and Costs #bankruptcy #lawyers #chicago #il


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Bankruptcy Filing Fees and Costs

When you file for bankruptcy, you must pay a filing fee and costs associated with credit counseling. If you can t afford the filing fee, you might qualify to pay in installments or for a waiver of the entire fee.

Here s the rundown of what you must pay, when you must pay it, and how to qualify for a fee waiver or installment payments.

Fees to File a Bankruptcy Petition

Effective June 1, 2014, the total fees you must pay to file a bankruptcy petition are:

  • $335 for Chapter 7
  • $310 for Chapter 13, and
  • $275 for Chapter 12.

The bankruptcy court increases these fees from time to time. You can always find the most up-to-date fees on the website of the U.S. Courts at www.uscourts.gov .

Fee Waivers and Paying the Fee Installments

Normally, the filing fee is due when you file your petition. However, there are two exceptions — you may ask the court if you can pay the fee in installments, or you can request that the court waive the fee entirely.

Application to Pay the Filing Fee in Installments

You may ask the court to allow you to pay your filing fee in installments. To do this, you file Form 3A Application and Order to Pay Filing Fee in Installments. On the form, you must state that you cannot pay the fee except in installments and then propose a schedule for payment of the entire fee. Your proposed payment schedule cannot have more than four installments, and the final payment cannot be later than 120 days after you file the petition.

Application for Fee Waiver

You can ask the court to waive the filing fee. If the court waives the fee, you don t have to pay it. In order to qualify for a fee waiver, you:

  • must not be able to pay in installments, and
  • your income must be below 150% of the poverty line (you can get official poverty line figures from your bankruptcy court).

You will have to file Form 3B Application for Waiver of Chapter 7 Filing Fee. In addition, you will have to appear in court so the judge can ask you questions.

Chapter 13: Fee Waivers and Installment Payments

Because you must have enough money to fund a repayment plan for three to five years in Chapter 13 bankruptcy, Chapter 13 filers will rarely qualify for a fee waiver.

Also, Chapter 13 filers cannot make further payments to their attorney until the filing fee is paid in full. In practice, this means that Chapter 13 filers will rarely be able to pay the fee in installments, since their attorneys will most likely require payment of some attorney fees up front.

Additional Costs Associated with Filing for Bankruptcy

When you file for Chapter 7 or Chapter 13 bankruptcy, you must get credit counseling from an approved provider within six months before your filing. You must also take a personal financial management course prior to getting your bankruptcy discharged.

Most approved credit counseling providers charge between $20 and $50 for the required counseling. Some don t charge anything. The law requires the agencies to provide counseling without regard to your ability to pay, so if you can t afford the counseling, let the agency know about this requirement.

The debtor education courses also cost about $50. If you can t afford the amount charged, you can ask that the fee be waived or that you be allowed to pay a lesser amount.

Get debt relief now.


Go bankrupt for free #bankruptcy, #bankruptcy #information, #effects #of #bankruptcy, #going #bankrupt,


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Going bankrupt

What is bankruptcy?

Bankruptcy is a legal process that releases a person from almost all of their debts.

You can apply to become bankrupt voluntarily if you have a debt of any amount you cannot pay. When you are a voluntary bankrupt, a trustee appointed by the Australian Financial Security Authority (AFSA) will manage your financial affairs. A fee may be charged where you have assets or earn above your income threshold amount (see information on the AFSA website for current thresholds ).

AFSA will advise you of when you are officially bankrupt. They will nominate a trustee to manage your financial affairs within two weeks of when you lodge your application with them. Bankruptcy lasts for three years from the day it is declared.

Creditors who have tried unsuccessfully to recover debts you owe that together total at least $5,000 can force you into bankruptcy. In this situation, a private trustee will manage your financial affairs and charge very high fees for this service.

Bankruptcy – a fresh start

The financial consequences of bankruptcy may adversely affect you immediately and into the future, however it can also offer you a fresh start. Depending on your circumstances, bankruptcy may:

  • have a positive impact on your life and provide you with a fresh start financially,
  • have significant consequences including making it difficult for you to obtain credit for a considerable time, limiting your future employment options, the loss of your home and other significant assets.

You need to act quickly if you are being pursued for debts and you wish to avoid bankruptcy. It’s essential that you get independent advice on your debt management options by speaking to a face to face financial counsellor or calling MoneyHelp. You must consider all of the advantages and disadvantages of bankruptcy if you are thinking about this option to deal with debts you cannot pay – even those advantages and disadvantages that do not currently apply to you.

The effects of bankruptcy

When you become bankrupt:

  • you can keep household goods and personal effects like a television, computer and furniture of reasonable value;
  • the fact of your bankruptcy will appear on your credit report for five years and on a public record known as the National Personal Insolvency Index for life (in practical terms though, you will find it difficult to obtain credit for five years, only the same time as for listed bad debts);
  • you may lose some of your assets (see next section) including your house and a car worth more than $7,700;
  • you can earn an income (a rate of $54,736.50 after tax for a person with no dependants and $69,515.12 for a person with two dependants) however if your after-tax income exceeds the amount applicable to you, you will need to pay contributions to your trustee for your creditors; and
  • you may need to continue to pay your Child support. Centrelink and Higher Education debts, and any court fines. Seek advice on this from a financial counsellor .

What happens to your assets when you are bankrupt?

Assets that are safe*

  • ordinary household goods such as furniture, a television and a computer
  • a car in which you have less than $7,700* equity
  • tools of trade to the value of $3,750*
  • up to $1,000 in bank accounts (deemed to be for living expenses)
  • superannuation, life insurance policies and personal injury compensation payments

Assets you will probably lose

  • real estate including houses and land
  • cars in which you have more than $7,700* equity
  • personal effects such as antiques and luxury electronic items
  • tools of trade over the value of $3,750*
  • artworks of significant value and some jewellery
  • any inheritance, tax refund or winnings
  • money in bank accounts in excess of $1,000

What employment restrictions apply to bankrupts?

Director of a company

You cannot be a director of a company or be involved in its management without the permission of the Court during the term of your bankruptcy.

Other employment restrictions

Professional bodies and/or trade associations have certain conditions of membership for the duration of a bankruptcy. There may be restrictions on holding some statutory positions during this period. Consumers should contact the relevant peak body of their trade or profession to see if there are any restrictions during and/or after bankruptcy.

Case study 1

Amanda was working in a contract role on a project with an engineering company and earning $1,200 a week for almost 12 months. It was a large, long-term project and Amanda believed she’d be in the role for the foreseeable future. She decided to purchase a home unit for $360,000 and a good second-hand car for $16,000.

The company put the project on hold because of financial uncertainty. Amanda’s role was not required and she became unemployed. Because she worked on contract she was not entitled to a redundancy payment from the company.

Amanda had thought she would find another job without too much trouble, and applied for a number of roles but without success.

Managing her mortgage, car loan and car insurance premiums soon became a challenge. She felt too intimidated to go to Centrelink and check her eligibility for benefits, and started relying on her credit card. She used it to pay her loans and insurance and got another card to pay for her everyday needs. Within three months she had run up debt of $12,000 on her cards, and couldn’t make the payments for her unit and her car.

Amanda became depressed about her situation and sought the help of a financial counsellor when both her home unit and car were repossessed.

The counsellor convinced Amanda of her right to register with Centrelink. This immediately gave her an income and a Health Care Card. The financial counsellor then did a thorough assessment of her financial situation (as well as the $12,000 owing on her credit card, Amanda had $80,000 still owing on her home and car loans) and after careful consideration, advised her to declare herself bankrupt.

While bankruptcy may seem like a drastic step, it provided Amanda with a way out of her debt crisis and her depression and left her to make a fresh financial start and gain some control over her life.

Helpful links


Wisconsin Chapter 7 bankruptcy information, taxes and bankruptcy chapter.#Taxes #and #bankruptcy #chapter


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Wisconsin Chapter 7 bankruptcy information

In a Chapter 7 bankruptcy you wipe out your debts and get a Fresh Start . Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt. (see Wisconsin Exemptions) The trustee sells the assets and pays you, the debtor, any amount exempted. The net proceeds of the liquidation are then distributed to your creditors with a commission taken by the trustee overseeing the distribution.

Certain debts cannot be discharged in a Chapter 7 bankruptcy, such as alimony, child support, fraudulent debts, certain taxes, student loans, and certain items charged. (see Wisconsin Non-Dischargeable Debts) In most Chapter 7 cases, the debtor has large credit card debt and other unsecured bills and very few assets. In the vast majority of cases a Chapter 7 bankruptcy is able to completely eliminate all of these debts.

You may keep certain secured debts such as your car or your furniture or house by reaffirming those debts. To do so, you must sign a voluntary Reaffirmation Agreement . If you decide that you want to keep your house or your car or your furniture, and you reaffirm the debt, you cannot bankrupt (or wipe-out) that debt again for eight years. You will still owe that debt and you must continue to pay it just as you were obligated to continue to pay it before you filed bankruptcy. In order to reaffirm the debt, you must also bring it current. In other words, if you are three or four months behind, then you must pay the back payments which are due in order to reaffirm it. You can selectively reaffirm your debts you can state that you wish to keep the house and the furniture, but that you want the car and the jewelry to go back to the respective Creditors.

Reaffirmation agreements can be set aside during the earlier of 60 days after the agreement is filed with the Court, or upon the Court s issuance of an Order of Discharge.


What Does Discharged Loan Mean? #what #does #bankruptcy #discharge #mean


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What Does Discharged Loan Mean?

Discharged loans are a form of discharged debt. Simply defined, a discharged loan is when an outstanding debt has been forgiven. Nearly all loans can be discharged under the right circumstances, though the most commonly discharged are student loans and home loans, or mortgages. The federal government maintains laws to help citizens with debt relief concerning discharged student and home loans. Financial attorneys should be sought for legal advice concerning loan discharge.

Discharged loan debt does not automatically cancel lien.

Discharged Debt

Discharged debt is debt that is forgiven. Debt is most commonly discharged in the United States on account of bankruptcy. Citizens filing for any type of bankruptcy – Chapter 7, 11, 12 or 13 – are eligible for discharging debt. In the event of bankruptcy, types of debt for which a citizen is eligible for discharge are determined by the court, as are specifics such as lien. Lien is the right of a lending agency to claim the property of a debtor in the case of a defaulted loan.

Though bankruptcy is the most common cause of discharged debt, other factors may affect a discharge, especially in the case of student loans.

Discharged Student Loans

Student loan debt may be legally discharged in the United States for reasons other than bankruptcy. For example, a student loan may not survive the recipient of the loan; if someone dies before a student loan is repaid in full, the loan is automatically discharged. Student loan debt is also automatically discharged in the event of total or permanent disability.

Other reasons for which student loan debt may be discharged includes improper certification made on the part of a school, the closing of a school within 90 days of a student graduating, and military service or full-time teaching on the part of a loan recipient. Teaching and military service discharges only apply to National Defense loans.

Discharged Mortgage

The legality of discharged mortgage debt is determined on a case-by-case basis and is often related directly to the stipulations of the mortgage. As per the United States Federal Courts, mortgage debt is one type of long-term debt that may not be forgiven during a Chapter 13 bankruptcy.

However, Chapter 7 bankruptcy does permit the discharge of loan debt though not the cancellation of lien. Therefore, if a mortgage debt is canceled under Chapter 7, the lending agency may have the right to seize the mortgaged property in exchange for the discharged debt.

Some properties are exempt from seizure under Chapter 7, though the specifics of exemption are complex. The U.S. Federal Courts suggests individuals seek legal council with regards to such an exemption.

Discharged Debt Forgiveness

The IRS provides debt relief forgiveness through the Mortgage Forgiveness Debt Relief Act and Debt Cancellation. As per this law, any debt discharged on a primary residence, such as mortgage debt, is exempt from taxation. In order to qualify for such a tax exemption, the amount of a discharged mortgage debt must be less than $2 million for a couple or $1 million for those who are married but filing jointly. In the event of bankruptcy, no discharged debt is taxable, including student loan and mortgage debt.


Updating Credit Report to Show Bankruptcy is Discharged #bankruptcy, #discharged #bankruptcy


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Updating Credit Report to Show Bankruptcy is Discharged

My bankruptcy was discharged one to two months following when it was filed. This would have been around September 2005. It still shows the bankruptcy is not discharged on my records, but it has been. How do I get this information updated to correctly reflect my discharge date?

Dear LND,

The bankruptcy is reported in the public records section, and the accounts involved will reflect that they are included in the bankruptcy. Both should indicate they are discharged once the bankruptcy has been completed.

To verify this, the first step is to get a copy of your personal credit report. You can get a free copy once every 12 months at www.annualcreditreport.com .

Your bankruptcy records should include a schedule “A” that lists all of the debts included in the bankruptcy filing. Simply send to the address on your report a copy of the schedule “A” and a copy of documentation that the bankruptcy has been discharged, along with a statement explaining that the bankruptcy information should be updated. If necessary, the court also will be contacted and asked to verify the information in your dispute.

You should be aware that the discharge date has no influence on when bankruptcy information is deleted from your credit report.

The bankruptcy public record will remain in your credit report for up to 10 years from the filing date. Chapter 13 bankruptcy remains for seven years and Chapter 7 remains 10 years. Accounts included in the bankruptcy will have their status updated to show that they are included in the bankruptcy.

They will be deleted seven years from the original delinquency date of the account. The accounts usually are deleted before the bankruptcy public record because in most cases they are delinquent prior to bankruptcy being filed.

Thanks for asking.
The Ask Experian team

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

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Florida Chapter 7 bankruptcy information #sarasota #bankruptcy #attorney


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Florida Chapter 7 bankruptcy information

In a Chapter 7 bankruptcy you wipe out your debts and get a Fresh Start . Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt. (see Florida Exemptions ) The trustee sells the assets and pays you, the debtor, any amount exempted. The net proceeds of the liquidation are then distributed to your creditors with a commission taken by the trustee overseeing the distribution.

Certain debts cannot be discharged in a Chapter 7 bankruptcy, such as alimony, child support, fraudulent debts, certain taxes, student loans, and certain items charged. (see Florida Non-Dischargeable Debts ) In most Chapter 7 cases, the debtor has large credit card debt and other unsecured bills and very few assets. In the vast majority of cases a Chapter 7 bankruptcy is able to completely eliminate all of these debts.

You may keep certain secured debts such as your car or your furniture or house by reaffirming those debts. To do so, you must sign a voluntary Reaffirmation Agreement . If you decide that you want to keep your house or your car or your furniture, and you reaffirm the debt, you cannot bankrupt (or wipe-out) that debt again for eight years. You will still owe that debt and you must continue to pay it just as you were obligated to continue to pay it before you filed bankruptcy. In order to reaffirm the debt, you must also bring it current. In other words, if you are three or four months behind, then you must pay the back payments which are due in order to reaffirm it. You can selectively reaffirm your debts you can state that you wish to keep the house and the furniture, but that you want the car and the jewelry to go back to the respective Creditors.

Reaffirmation agreements can be set aside during the earlier of 60 days after the agreement is filed with the Court, or upon the Court s issuance of an Order of Discharge.

Are you struggling with debt and feeling overwhelmed? Talk to a local attorney and get a free case review.


Riverside Bankruptcy Attorney #bankruptcy #attorney #riverside #ca


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Riverside Bankruptcy Attorney

Many people are experiencing financial shortcomings due to the current state of the economy. If you find yourself in a tough situation where you cannot pay important bills, your best option could be bankruptcy. Unfortunately, the laws can cause unneeded confusion, therefore contacting a knowledgeable Riverside bankruptcy attorney at Sood Bankruptcy Law Firm should be your first step. You may also want to learn more about the Chapter 7 13 Bankruptcy Process .

Riverside is the most populated city in the Inland Empire and Riverside County. It is home to an array of business firms and institutions. Although rich in culture, a significant percentage of the city s population lives below the poverty line. Many residents struggle to make ends meet and sometimes find themselves in debt. Knowledgeable and experienced attorneys at Sood Bankruptcy Law Firm are here to help! We have successfully represented thousands of clients in the local bankruptcy court, our lawyers possess local expertise about Riverside and are also known by court personnel and local judges.

3890 11th St. Suite 117
Riverside, CA 92501

Call to schedule a free consultation!

Riverside, CA Bankruptcy Resources

Sood Bankruptcy Law Firm’s Riverside office is located 1 minute from the Riverside Community Hospital and 6 minutes away from the University of California, Riverside.

Directions from CA-91 3 minutes from freeway

Exit 63 toward 14th St/Riverside Community College/Riverside City Campus – head northwest on 14th St – turn right onto Market St – turn left onto 11th St – Sood Bankruptcy Law Firm, Riverside will be on the left.

Directions from CA-60 5 minutes from freeway

Exit 52B for Main St – head southwest on Main St – turn right onto 3rd St – turn left onto Market St – turn right onto 11th St – Sood Bankruptcy Law Firm, Riverside will be on the left.


Foreclosure Lawyers #stop #foreclosure, #bankruptcy #lawyers #in #queens, #cheap #bankruptcy #lawyers, #foreclosure


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Queens Foreclosure Lawyers

Foreclosure defense in Queens, Brooklyn, Bronx and Nassau County. Our legal team will help you Stay in Your Home .

Poltielov Habib, LLP is a foreclosure defense and bankruptcy law firm servicing clients in Queens, Brooklyn, Bronx, Staten Island, Manhattan, Nassau, Suffolk and Westchester Counties. Our New York lawyers offer personalized legal representation to our clients to achieve the best results possible. We take pride in our work and strive to achieve the most for our clients.

If you have been served with a notice of foreclosure by your bank or have been served with a summons and complaint, a Queens foreclosure defense lawyer at Poltielov Habib, LLP may be able to help you. Foreclosure is a very stressful and daunting process, but you do not have to lose your home. Our foreclosure defense lawyers will take the time to explain the process of defending you in your foreclosure. By consulting a foreclosure attorney at our firm as soon as possible, you can fully understand your options and fight to stop foreclosure.

Queens, Brooklyn, Bronx, and Nassau County Bankruptcy Lawyers

Our Bankruptcy Attorneys will take the time to explain the process of filing for bankruptcy, and our low fees make it possible for most people to file and get a fresh start. Our Chapter 7 Bankruptcy Lawyers can eliminate debt, stop collections, stop wage garnishment, stop the eviction process, stop foreclosure, and get rid of old IRS debt as well as judgments. Most people file Chapter 7 bankruptcy to get rid of credit card debt and medical bills, and are surprised to learn that the benefits of filing extend far beyond wiping out that debt. Filing Bankruptcy is usually a great step towards re-building credit.

Our Chapter 13 bankruptcy attorney can immediately stop your foreclosure, eliminate your debt, stop collections, and eliminate [strip] a second lien, if possible. Filing a Chapter 13 is usually the best way to stop a foreclosure and save your home. A Chapter 13 bankruptcy can often achieve a more favorable forbearance and/or re-instatement agreement, as long as you can afford to keep paying the mortgage and get caught up on missed mortgage payments.


Your Philadelphia Debt Solution – Philadelphia Bankruptcy Attorney #bankruptcy #lawyers #in #philadelphia


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Your Philadelphia Debt Solution

Which is worse, bankruptcy or debt??

If you live near Philadelphia, the answer might not be what you think.

You might be suffering from burdensome debt and looking for a solution to your financial hardship. The search may keep you up at night, disturb your sleep and reduce your ability to focus at work. You may have tried opening new credit cards, transferring debt or letting payments slide, but it only makes matters worse.

Pennsylvanians view bankruptcy like its admitting failure, something you avoid at all costs. Contacting a bankruptcy attorney for financial advice could be the last thing you want to do, but it may be the best option and your first step toward freedom from debt. Debt ruins lives. Bankruptcy can help you rebuild it.

At the very least, you should be asking for help from a professional. If you find yourself struggling to find an answer to your debt problems, I can help you navigate these complex decisions toward a better future.

The Rising Cost of Financial Difficulty

You may not realize how much falling behind on monthly payments is costing you physically, emotionally and financially. Penalties on a student loan default add an additional 25% to your monthly bill, and credit card interest can quickly spiral out of control. If you owe $30,000 in credit card debt with 20% interest, then you need to pay $500 per month just to stay afloat, much less make progress on your debt. Costs like these accrue slowly over time. But once they begin to slip from your control, they can quickly spiral into hopelessly tall figures.

Millions of Americans at all income levels have gone through bankruptcy. Millions more will need to file for bankruptcy in order to gain traction on their debt. You are not alone in your financial difficulty. I am here to help you, so you can move forward.

Bankruptcy Is Not the End

My legal career has been dedicated to helping people who are struggling to meet their financial obligations. I know you have alternatives. Federal and Pennsylvania state laws are in place to give you relief when you need it and protect your rights. With honest, professional advice, you can identify all your options and choose the best solution.

I know what you are experiencing. I have helped erase debt through Chapter 7, and effectively restructured debts through Chapter 13 bankruptcy. I also negotiate with lenders and collection agencies on your behalf and counsel on student loan debt. The path to success starts with a phone call.

Call me for a free consultation at (215) 551-7109.


Bankruptcy Attorney #bankruptcy, #attorney, #connecticut, #ct, #lawyer, #foreclosure #defense


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Connecticut Bankruptcy

We just can’t seem to catch a break here in Connecticut. Last week, the United States Census Bureau announced that Connecticut was one of the few states to lose population. A few months ago, General Electric (a really big company with lots of employees) began the move of its headquarters out of Connecticut to the Boston area. And now, statistics show that Connecticut now places 8th in the country for new foreclosure filings in 2016.

In a recent interview with the Waterbury Republican American newspaper, Gene Melchionne was asked what he thought was the case of these increased foreclosure filings. The answer is simple. To make a mortgage payment, you need to have a job that pays. To live in Connecticut, you need to have a job that pays well. Sometimes you need two or three of these jobs.

It is not cheap to live in this state. To hold on to what you have here, you need to make more than the average American. While Connecticut regularly trades places with New Jersey as one of the highest average income states in the U.S, that average is skewed by some really, really wealthy people who live here. Unfortunately, that does not help he average guys who’re my clients.

With the end of the Federal programs on mortgage modification and the lowering standard of living here in Connecticut you may need help. If you re facing financial stress and the possibility of foreclosure, there are still some avenues to treat the problems. Don’t wait too long to see help. My contact information is right here.

The web is filled with legal self-help services that claim to make filing for bankruptcy seem like a relatively simple procedure that anyone can do. However, while you may be able to find and submit the forms, having a bankruptcy lawyer guide you through the process is the best way to ensure that you get the debt relief you’re after.
Here are a few reasons why seeking out the services of a professional is the best thing to do when you are considering filing for bankruptcy.

  • Legal Expertise: Document preparation services and online tools can type up your petition, but that is as far as they can legally take you. These services cannot provide you with the legal advice you need to successfully file for bankruptcy. A bankruptcy lawyer will go through every aspect of your financial situation with you, helping you to avoid the mistakes that could result in losing valuable property or creditors filing a claim against you.

  • Guidance In Filling Out Forms: Bankruptcy forms and paperwork can be incredibly complicated. They will require information that you don’t have on hand or can’t easily access. Even minor filing mistakes will expose you to liability, or cause your petition to be rejected outright. A bankruptcy lawyer is trained to prepare your petition so that it’s both completely error-free and has the highest chance of being successful.

  • An Understanding Of The Issues: The issues raised during the bankruptcy process cross over into all areas of the law, such as taxes, inheritances, and personal injury claims. Determining how your petition will impact every area of your life requires the expertise of an experienced bankruptcy lawyer. Most consumers do not possess the legal skills or knowledge to navigate such delicate financial matters.

  • Proper Timing: While you may want immediate relief from your debts, it’s important to time the filing of your case correctly so that you can maximize your benefits . If you file too late, you could miss your chance to recover some assets lost to repossession or garnishment. On the other hand, rushing to file the case could cause you to lose assets you could have saved for financial support, such as an inheritance or a tax refund.

For over 35 years, I have provided compassionate services to clients dealing with even the most complex financial issues. I understand how confusing and intimidating the bankruptcy process can be, which is why I am committed to guiding my clients every step of the way. Call (203) 757-3437 to schedule a consultation with a real bankruptcy lawyer today.

◆ Proper Foreclosure Procedures Were Not Followed

A lender seeking to foreclosure a home has to follow strict foreclosure procedures set by the Connecticut Supreme Court. If these procedures and steps are not followed, the borrower can challenge the foreclosure. If the problem is serious, the case can be dismissed and the lender forced to start the foreclosure over. Connecticut does have a rule that absent some fraud or mistake, once the foreclosure is completed, it is done aunt here inso going back.

◆ You Are An Active Member Of The Military

If you are an active member of the military serving our country, no foreclosure can proceed. The lender has to certify to the Court that they have investigated whether or not you are an active service member before they re allowed to obtain a judgment of foreclosure. Military members can utilize the protections afforded by the ServiceMembers Civil Relief Act (SCRA). which offers assistance to members of the military facing foreclosure.

◆ Mortgage Terms Are Deemed To Be Unconscionable

Unconscionable mortgage terms presents a rarer defense to foreclosure. The mortgage’s terms may be unfair or illegal. If you were not represented by a lawyer or otherwise unable to make an informed decision about the mortgage loan, a court could refuse to enforce the mortgage at all.

◆ The Best Defense Is A Good Offense

Connecticut, like many states, has a mediation procedure that offers homeowners a chance at working out the mortgage problems. If requested, the Court will refer the case to an impartial mediator who will facilitate communication between the parties to see what resolution can be made. Solutions include a temporary or permanent reduction in the interest rate, an extension of the life of the loan or a temporary forbearance in the payments. There are also several government programs available, but they are not expected to last after the end of the year.

You can find a bunch of information on the internet about filing for bankruptcy, but what happens afterwards?

Here are three things that you can expect:

  • Debts are discharged – For consumers, the best part of filing for bankruptcy is the elimination of your debt without giving anything up. The Bankruptcy Trustee may try to take your property to pay back your creditors, but a skilled bankruptcy lawyer can help you keep it without losing anything.

  • Creditor Go Away, Don’t Come Back Any Day: There are several types of bankruptcy for consumers and they all offer an automatic stay . which immediaty stops any attempts to collect. This is true for civil judgments that may have already entered bu also for phone calls and collection letters, wage garnishments, repossessions and most kinds of court actions.

  • A Fresh Start: IMost people believe that filing for bankruptcy will have an effect on their credit score. The Credit Score is the great marketing gimmick of the credit industry and it does not matter much . Many consumers can rebuild their credit immediately, but the secret is to avoid getting back into debt. Planning for the future is more important than having that shiny new thing. It is more important to have only a few current credit accounts that can rebuild your credit.

A study by the Federal Reserve found that when dealing with debt, it wasbetter to file bankruptcy than struggle monthly to pay off debt.

Attorney Melchionne was a featured speaker at the National Association of Consumer Bankruptcy Attorneys in San Francisco on May 20 – 22, 2016. During the Convention in, Attorney Melchionne met with colleagues from around the country to share ideas and new developments in Bankruptcy Law, Foreclosure Defense, Credit and Student Loan forgiveness. In his role on the Board of Directors for NACBa, he also helped plan the three days of seminars and spoke at several of the sessions.


New York Bankruptcy – Bankruptcy BasicsBankruptcy Basics #new #york # #bankruptcy #attorney


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New York Bankruptcy

Bankruptcy: New York

Filing bankruptcy in New York aims to achieve two things: First, it gives debtors a chance to overcome crushing debt, and second it allows creditors to be repaid to the extent that the debtor’s property value or earnings permit. 55,596 bankruptcies were filed in New York in 2010, ranking New York 42 nd in the country for the number of bankruptcy filings per capita. 81% of New York’s bankruptcy petitions in 2010 sought protection under Chapter 7 bankruptcy.

Filing Bankruptcy in New York

Federal law governs bankruptcy proceedings in New York, and as such all bankruptcy cases are filed in the US Bankruptcy Courts located in:

  • New York Northern District Court: Albany, Syracuse, Utica
  • New York Eastern District Court: Brooklyn, Hauppauge, Westbury
  • New York Western District Court: Batavia, Buffalo, Mayville, Niagara Falls, Olean, Rochester, Watkins Glenn
  • New York Southern District Court: New York, Poughkeepsie, White Plains

While federal courts have jurisdiction over bankruptcy proceedings, New York law allows petitioners to use the exemptions listed in the U.S. bankruptcy code or listed under New York state law. The federal and state exemption systems cannot be mixed and matched. With the guidance of a bankruptcy attorney New York debtors can gain a full understanding of what personal property the systems permit the petitioner to keep in bankruptcy, and what must be sold.

Chapter 7 Bankruptcy, New York

Chapter 7 bankruptcies in New York are the most common bankruptcy filing. Chapter 7 is best suited to petitioners who do not have significant assets such as investments or substantial equity in a home, for the reason that a Bankruptcy Trustee may liquidate personal property that isn’t protected by New York’s bankruptcy exemptions. Liquidation occurs when the Trustee converts personal assets to cash for distribution to creditors. New York’s Chapter 7 bankruptcy law allows debtors to keep some essential property and the exempt assets are strictly off-limits to creditors seeking repayment.

The vast majority of Chapter 7 cases are “no-asset” cases where no property is taken.

New York Bankruptcy Exemptions

New York bankruptcy law designates specific property exemptions that permit debtors to keep certain personal property and assets so they may move forward from bankruptcy as productive members of society. In real terms, this means the creditors cannot force a debtor to sell the shirt off their back. Bankruptcy in New York permits petitioners to choose exemptions only from the federal or state lists.

Property exemption amounts are subject to change, so it is suggested that individuals or couples considering bankruptcy seek the counsel of a New York bankruptcy attorney and discuss the options open to them. New York bankruptcy exemptions include:

New York Homestead Exemption

  • Real property including co-op, condo, or mobile home, to $150,000 for the counties of Kings, New York, Queens, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester, and Putnam; $125,000 for the counties of Dutchess, Albany, Columbia, Orange, Saratoga, and Ulster; $75,000 for the remaining counties in the state (Husband and wife may double)

New York Personal Property Exemption

  • In bankruptcy, personal property exemptions claimed may not exceed $10,000 total (including tools of trade and limited annuity)
  • $4,000 total: Motor vehicle. $10,000 if vehicle equipped for a disabled person (Husband and wife may double)
  • $2,500 total: Electronic deposits of exempt payments into bank account within last 45 days
  • $1,000 total: Domestic animal with food to last 120 days
  • Health aids, including service animals with food
  • $600 Banking: Savings and loan
  • 90% of income: Spendthrift trust fund principal, if not created by debtor
  • Security deposit to landlord, utility company
  • Lost future earnings recoveries needed for support
  • College tuition savings program trust fund
  • Personal injury recoveries up to 1 year after receiving
  • Recovery for injury to exempt property up to 1 year after receiving
  • Wrongful death recoveries for person you depended on
  • Church pew or seat and Burial plot without structure to 1/4 acre

New York Tools of the Trade Exemption

  • $600 total: Farm machinery, team and food for 60 days; professional furniture, books and instruments
  • Uniforms, medal, emblem, equipment, horse, arms and sword of member of military

New York Wage Garnishment Exemption

  • 100% of pay of noncommissioned officer, private, or musician in U.S. or N.Y. state armed forces
  • 90% of earned but unpaid wages received within 60 days prior to, and anytime after, filing
  • 90% of earnings from dairy farmer s sales to milk dealers

New York Public Benefits Exemption

  • Social Security and Public assistance
  • Home relief, local public assistance
  • Aid to blind, aged, disabled
  • Workers’ and Unemployment compensation
  • Veterans benefits Work. Comp.
  • Crime victims compensation

New York Insurance Exemption

  • $400 per month: Disability or illness benefits
  • $5,000 total: Annuity contract benefits due the debtor, if debtor paid for the contract and if purchased within 6 months prior to filing (Not tax-deferred)
  • Cash surrender value of life insurance
  • Life insurance proceeds and avails if the beneficiary is not the debtor, or if debtor s spouse has taken out policy
  • Life insurance proceeds, if clause prohibits proceeds from being used to pay beneficiary s creditors

New York Pensions and Retirement Savings Exemption

  • Public retirement benefits
  • State employees
  • Teachers
  • Village police officers Unconsolidated
  • Volunteer firefighters and Volunteer ambulance workers benefits
  • ERISA-qualified benefits, IRAs and Keoghs and income needed for support

New York Miscellaneous Exemption

Chapter 13 Bankruptcy, New York

In 2010, 19% of petitioners filed for protection under Chapter 13 bankruptcy in New York. Filing Chapter 13 bankruptcy in New York initiates a financial restructuring process whereby a court-appointed Trustee negotiates with creditors and implements a 3-5 year repayment plan, using the debtor’s future earnings to repay creditors. Chapter 13 petitioners in New York keep most or all of their property.

How to File Bankruptcy in New York

Eligibility for property exemptions should play a key role in deciding whether to pursue bankruptcy protection from creditors. The goal should be to achieve an outcome that protects major assets and discharges debts. Because each bankruptcy case is unique, a New York bankruptcy attorney can counsel debtors and to understand their financial options regarding Chapter 7 and Chapter 13 bankruptcies.

Bankruptcy Attorney: New York

It is the bankruptcy petitioner’s responsibility to know their rights and obligations as debtors. A New York bankruptcy attorney can make things easier to understand, particularly in terms of federal laws and exemption systems. The counsel and support of a New York bankruptcy attorney is valuable to anyone facing the complex and stressful road to personal bankruptcy.


Divorce lawyers in st louis mo #st. #charles #bankruptcy #attorney,st. #louis #debt


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A L, Licker Law Firm, LLC provides bankruptcy. personal injury. and family law legal services to residents of St. Louis County, St. Charles County and Jefferson County, Missouri and to nearby Illinois residents. While our cases may seem small to other attorneys, we understand that your case impacts your life in a big way. We pride ourselves on providing affordable and professional legal services that get results.We will do our part, so you can move past this difficult time in your life.
Our clients agree. Our awards include:

  • Voted #1 Law Firm in St. Charles by the Reader s Poll of the St. Charles Flash Flyer: 2008, 2009, 2010
  • Named Law Firm of the Year 2012 by the Consumer Business Review
  • A rating from the Better Business Bureau

Our attorneys are experts in their fields. They stay up-to-date on the latest changes in bankruptcy, personal injury law, and family law so our firm can provide you with the best possible service. We are members of:

  • National Association of Consumer Bankruptcy
  • American Bankruptcy Institute

Our attorneys help protect your liesence after a driving violation such as speeding (Traffic Ticket), driving while intoxicated (DWI), driving under the influence (DUI), or driving while suspended (DWS).

A L, Licker Law Firm, LLC handles bankruptcy cases for individuals and companies in the St. Louis metropolitan area.

When you just can t pay your debts, bankruptcy may be an option. Bankruptcy can stop the sale of your house, harassing creditor calls and wage garnishments. Our attorneys have helped thousands of people just like you to get out of debt and move on with their lives. Call our bankruptcy lawyers; we are here for you.

We guarantee our clients that their debt will be discharged through their bankruptcy or we will refund the attorney fees. We have filed over thousand bankruptcy cases and have not had one case rejected by the court. Our main office is located in St. Charles where we are the most trusted bankruptcy law firm, we file more bankruptcy cases (chapter 7 and chapter 13 ) than any other law firm.

Contact our office to schedule a free consultation. Our attorneys will determine which form of bankruptcy will work for best in your situation. Our office will prepare the bankruptcy petition and fill out the necessary documents and file them on your behalf. We are with you every step of the way.

Want more information? Request our free book: Everything You Need To Know About Bankruptcy . The book explains the bankruptcy process in Missouri and how it can help you to get a fresh start.

A divorce or custody battle can be a traumatic experience. Whether you are starting divorce proceedings or revising a previous agreement, you need a caring and professional lawyer who will make sure your needs are protected. The family law attorneys at A L, Licker Law Firm, LLC can guide you through the process and look out for your interests while minimizing the emotional impact on your family. We provide a full range of family law services, including:

  • Divorce
  • Child custody
  • Separation agreements
  • Support (alimony/palimony, child support)
  • Modifications to existing agreements

Our Missouri family law attorneys will help you get through this difficult time in your life, so you can take the first steps to a brighter future.

A L, Licker Law Firm, LLC represents victims of car accidents in the greater St. Louis area. If you have been in a car crash and need help dealing with the insurance companies, give our office a call. We can negotiate with the insurance company on your behalf and help you get fair compensation for your property damage, medical bills, pain and suffering, and lost income. If we can’t recover damages, you don’t pay anything.

Do you need a fast, fair settlement? Contact the Licker Law Firm. The initial consultation is always free.

1861 Sherman Drive

A L, Licker Law Firm, LLC provides bankruptcy, personal injury and family law legal services to residents of St. Louis County, St. Charles County and Jefferson County, Missouri, including the cities of St. Charles, St. Louis, Florissant, O’Fallon, St. Peters, Wentzville, Troy, Lake St. Louis, Bridgeton, Hazelwood, Ferguson and the surrounding area.

Disclaimer: The use of our web site is for informational purposes only, it does not creat an attorney-client relationship. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The choice of a laywer is an important decision and should not be based solely upon advertising.

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Los Angeles Employment Lawyer #bankruptcy #lawyer #in #los #angeles


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Los Angeles Employment Lawyer

Los Angeles Employment Lawyers

If you are looking for an experienced, dedicated and resourceful labor attorney in Los Angeles, contact an employment attorney at Blumenthal, Nordrehaug Bhowmik for free legal advice about California labor laws. With offices located in San Diego, Los Angeles, Sacramento, Riverside and San Francisco, our labor law attorneys have obtained over $1.3 billion in awards for our clients in individual and class action lawsuits involving:

Call (310) 981-3918 for Free Legal Advice on Employee Rights

If your company violated the law, don’t feel like you are all alone. Our labor lawyers have a long, proud record of helping employees throughout Los Angeles collect damages for unfair and illegal business practices. Whether you are looking for a discrimination lawyer, overtime attorney or class action attorney, our employment attorneys are waiting to help you resolve your issue.

Free Legal Advice for Employees in Los Angeles

Our labor lawyers and employment attorneys in Los Angeles offer free initial consultations for employees. Our law firm also accepts qualified cases on a contingency fee basis. This means that in eligible cases, employees don’t have to pay any out of pocket expenses to start the lawsuit and the employees only have to pay our Los Angeles employment attorneys if we successfully recover money.

Los Angeles Fair Labor Standards Act (FLSA) Lawyers

At Blumenthal, Nordrehaug Bhwomik in Los Angeles, our FLSA attorneys focus on helping employees start actions against companies that violate the Fair Labor Standards Act. Under the FLSA, employees may be entitled to double damages in situations where employers violate the law. Contact an experienced Fair Labor Standards Act attorney for free legal advice on your overtime pay rights.

Blumenthal Nodrehaug & Bhowmik

Free Legal Advice on California Labor Laws, FLSA, Labor Lawyers, Employment Attorneys in California cities such as San Diego, Los Angeles and San Francisco

Contact Our Law Office

Free Consultation | No Win No Fees

Store Managers Sue Mattress Firm in Golden State Class Action For California Labor Code Violations https://t.co/goSfukVwTz

SAS Services Group Hit With Meal and Rest Break Class Action By Worker At San Diego Airport https://t.co/7zgXS5AFlc

How Can We Help You?

Blumenthal Nordrehaug Bhowmik Employment Law Attorneys

Call now for FREE legal advice at (800) 568-8020

2255 Calle Clara
San Diego, CA 92037
Phone: (858) 367-9913
Fax: (858) 551-1232

2029 Century Park E 14th Floor
Los Angeles, CA 90067
Phone: (310) 981-3918
Fax: (858) 551-1232

1750 Montgomery St.
San Francisco, CA 94111
Phone: (415) 935-3957
Fax: (858) 551-1232

980 9th Street 16th Fl.
Sacramento, CA 95814
Phone: (916) 449-9653
Fax: (916) 449-9654

11801 Pierce Street St Suite 200
Riverside, CA 92505
Phone: (951) 710-3206
Fax: (951) 710-3217

401 North Michigan Ave.
Suite 1200
Chicago, IL 60611
Phone: (312) 840-8240


Filing Without an Attorney #wisconsin #bankruptcy #attorney


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Filing Without an Attorney

Individuals can file bankruptcy without an attorney, which is called filing pro se. However, seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes.

Filing personal bankruptcy under Chapter 7 or Chapter 13 takes careful preparation and understanding of legal issues. Misunderstandings of the law or making mistakes in the process can affect your rights. Court employees and bankruptcy judges are prohibited by law from offering legal advice.

The following is a list of ways your lawyer can help you with your case.

  • Advise you on whether to file a bankruptcy petition.
  • Advise you under which chapter to file.
  • Advise you on whether your debts can be discharged.
  • Advise you on whether or not you will be able to keep your home, car, or other property after you file.
  • Advise you of the tax consequences of filing.
  • Advise you on whether you should continue to pay creditors.
  • Explain bankruptcy law and procedures to you.
  • Help you complete and file forms.
  • Assist you with most aspects of your bankruptcy case.

Pro se litigants are expected to follow the rules and procedures in federal courts and should be familiar with the United States Bankruptcy Code. the Federal Rules of Bankruptcy Procedure. and the local rules of the court in which the case is filed. Local rules, along with other useful information, are posted on the court’s website and are available at the local court’s intake counter. Court employees and bankruptcy judges are prohibited by law from offering legal advice.

Bankruptcy Forms are available to the public free of charge.

  • Use the forms that are numbered in the 100 series to file bankruptcy for individuals or married couples.
  • Use the forms that are numbered in the 200 series if you are preparing a bankruptcy on behalf of a nonindividual, such as a corporation, partnership, or limited liability company (LLC).
  • Sole proprietors must use the forms that are numbered in the 100 series.

Many courts require local forms. You should check your court’s website before filing any documents.

Non-attorney Petition Preparers

If you file bankruptcy pro se, you may be offered services by non-attorney petition preparers. By law, preparers can only enter information into forms. They are prohibited from providing legal advice, explaining answers to legal questions, or assisting you in bankruptcy court. A petition preparer must sign all documents they prepare for you; print their name, address and social security on the documents; and provide you with a copy of all documents. They cannot sign documents on your behalf or receive payment for court fees.

Finding a Lawyer, Including Free Legal Services

If you need help finding a bankruptcy lawyer, the resources below may help. If you are unable to afford an attorney, you may qualify for free legal services.


How to File Bankruptcy in California (with Pictures) #california #bankruptcy #law


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How to File Bankruptcy in California

If you are contemplating bankruptcy in California, there are several important decisions you must make as you start. First, try to avoid formal bankruptcy by finding an alternative way to pay off your debts. Second, before you can file for bankruptcy you will need to complete a required counseling class that will help you determine your eligibility. Once you file for bankruptcy and complete the process, most of your debts will be discharged. However, some debts will remain with you.

Steps Edit

Part One of Seven:
Finding Alternatives to Bankruptcy Edit

Avoid bankruptcy on your own. Before you dive into bankruptcy proceedings, try to take some steps to avoid the process altogether. If you’re financial situation is not beyond repair, try:

  • Reducing expenses;
  • Increasing your income;
  • Negotiating lower interest rates; and
  • Selling your property. [1]

Contact creditors. If you cannot avoid bankruptcy without some help, start by contacting your creditors to work out a payment plan. [2] If you do not want to do this on your own, hire a credit counseling agency or lawyer to act on your behalf. They can help you make a budget and negotiate repayment plans with lower interest rates and reduced principal. In addition, credit counseling agencies and lawyers can work to stop the harassing calls and aggressive collection practices.

  • If you are going to hire a credit counseling agency, be aware of scammers. [3] Do some research and make sure the agency you hire is legitimate.

Obtain a debt consolidation loan. An unsecured debt consolidation loan will pay off your creditors while you will be left to pay off the loan itself. If you have the means, you can also consolidate your debts through a second mortgage or a home equity line of credit.

  • Be aware that if you choose to take out a second mortgage or a home equity loan, you will be required to use your home as collateral. If you fail to make the required payments, you could lose your home. [4]

Complete a credit counseling plan. If you enroll in a credit counseling plan, your creditors will be more likely to reduce interest rates and accept lower payments because you will enter into a debt repayment plan. As part of your plan, you will deposit money each month with the credit counseling service and they will pay your creditors according to the payment schedule you agree upon.

  • When you are choosing a credit counseling service, be sure to look at the fees. Some services will charge little to no fee to manage the plan. Other services will charge monthly fees that will add up over time. [5]

Look at your options. There are four main options when you file for bankruptcy. Each one is named for the federal Bankruptcy Code chapter that describes them. Chapter 11 proceedings are most often used for corporations and Chapter 12 proceedings are for family farmers. Unless you fit into one of those categories, your focus will be on Chapters 7 and 13. [15]

Qualify for Chapter 7. If you file for Chapter 7 bankruptcy, your qualifying assets will be liquidated (i.e. sold by the court) and the proceeds will be used to pay your creditors. You will keep exempt property and while most of your debts will be wiped out, some debts are excepted from these proceedings.

  • You cannot file for Chapter 7 bankruptcy unless you pass the Means Test or are exempted. [16]

Determine if you have to take the Means Test. If you want to file for Chapter 7 bankruptcy you must pass the Means Test unless you are exempt. This test only applies to higher-income filers so if your income is below the California median for your household size you are exempt from the test and may file for Chapter 7 bankruptcy. You are also exempt from the test if your debts are not primarily consumer debts or if your debts were incurred while on active duty in the military and you are a disabled veteran.

  • The Means Test is used to determine if Chapter 13 is a viable option as opposed to Chapter 7. [17]

Select Chapter 13. If you file for Chapter 13 bankruptcy, you will work out a repayment plan with the court and will pay off your debts over a three to five year period. To qualify, you must have a regular income that rises above a certain level.

  • In Chapter 13 proceedings, you will keep your property. However, there are limits to how much debt and what type of debt you can have and still qualify for these proceedings. [18]

Naples Bankruptcy – Attorney Jonathan Tolentino #honolulu #bankruptcy #lawyer


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Jonathan Tolentino. P.A. Attorney at Law

Legal Help You Can Count On We put you the client first. With us you are never a number

Bankruptcy Law

Real Estate Law

Personal Injury Law

Proven Results – Find out how we can aid you in your time of need. Chapter 7 & 13. Let us help you out of your financial crisis. Read more or Contact us now

Get a fresh start & keep your possessions

Our practice involves Bankruptcy law and we have helped many people just like you in the South Florida area. We know Naples Bankruptcy law. We can help you:

  • Stop creditor harassment
  • Stop wage garnishments
  • Stop bank levies
  • Address IRS debt & liens
  • Discharge most unsecured debts
  • Help you save your home
  • Help you save your possessions

Naples Bankruptcy Law

Bankruptcy is a set of laws which provides for a possibility to get debt relief. This is an option you should consider if you find yourself unable to pay your debts. Filing for Bankruptcy may liberate you from most of your debts and collection activity. The goal of bankruptcy is to receive a Discharge. Once a court issues a Discharge you are no longer liable for the debt. Get a fresh start!

In Bankruptcy you may keep your car, home and personal property, all while receiving a Discharge for unsecured debts. Unsecured debts include credit cards, medical bills, utility bills and any other type of loans or credit that was extended without a collateral requirement. In many instances you may elect to surrender a car or home which is upside down and under-secured (meaning you owe more than what it is worth). This can help you manage your budget and improve cash flow.

If you have collection accounts, missed/late payments, charge-offs, repossessions or judgments it is very likely that filing for Bankruptcy may be the quickest way to improve your credit. This is due to the fact that obtaining a discharge may lead to an improvement in your credit score. This will all depend upon what your credit score was before you filed bankruptcy. Imagine a fresh start!

Contact me so that I can discuss your options with you today! Get a Fresh start!

  • Free initial consulation
  • Free telephone consulation
  • Easy payment plans
  • Call 24/7 (239)-280-7117

Law office of Jonathan Tolentino, P.A.

We are a law firm based out of Naples, Florida with a primary focus in Bankruptcy (Chapters 7 & 13), Real Estate and Personal Injury Law. If you need effective representation, no one will work harder for you. We are experienced and come up with practical solutions just to meet your specific needs.

Our team consists of the best service oriented professionals and we have developed a level of expertise that other practices may not offer.

Contact Us


Glendale Bankruptcy Lawyers – Local Attorneys & Law Firms in Glendale, AZ


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Glendale Bankruptcy Lawyers, Attorneys and Law Firms – Arizona

Need help with a Bankruptcy matter?

You’ve come to the right place. If you’re experiencing financial difficulties and are considering bankruptcy or have already filed for bankruptcy, a bankruptcy lawyer can help.

Bankruptcy lawyers can determine if bankruptcy is right for you, or advise you on debt relief options — including Chapter 7 debt discharge plans, Chapter 13 debt repayment plans, and Chapter 11 reorganization.

Use FindLaw to hire a local bankruptcy lawyer to help with debt settlement, and stop wage garnishment.

Need an attorney in Glendale, Arizona?

FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

Use the contact form on the profiles to connect with a Glendale, Arizona attorney for legal advice.

How do I choose a lawyer?

Consider the following:
Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
City – Is the lawyer’s office conveniently located?

Not sure what questions to ask a lawyer?

Here are a few to get you started:

  • How long have you been in practice?
  • How many cases like mine have you handled?
  • How often do you settle cases out of court?
  • What are your fees and costs?
  • What are the next steps?

Want to check lawyer discipline?


Riverside Bankruptcy Lawyers – Local Attorneys & Law Firms in Riverside, CA


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Riverside Bankruptcy Lawyers, Attorneys and Law Firms – California

Need help with a Bankruptcy matter?

You’ve come to the right place. If you’re experiencing financial difficulties and are considering bankruptcy or have already filed for bankruptcy, a bankruptcy lawyer can help.

Bankruptcy lawyers can determine if bankruptcy is right for you, or advise you on debt relief options — including Chapter 7 debt discharge plans, Chapter 13 debt repayment plans, and Chapter 11 reorganization.

Use FindLaw to hire a local bankruptcy lawyer to help with debt settlement, and stop wage garnishment.

Need an attorney in Riverside, California?

FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

Use the contact form on the profiles to connect with a Riverside, California attorney for legal advice.

How do I choose a lawyer?

Consider the following:
Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
City – Is the lawyer’s office conveniently located?

Not sure what questions to ask a lawyer?

Here are a few to get you started:

  • How long have you been in practice?
  • How many cases like mine have you handled?
  • How often do you settle cases out of court?
  • What are your fees and costs?
  • What are the next steps?

Want to check lawyer discipline?


Kelley and Fulton P #business #bankruptcy #attorneys, #personal #bankruptcy #attorney, #west #palm


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561-404-8944

“I have used Craig Kelley of Kelley & Fulton for both corporate and personal legal matters and have found Mr. Kelley and his firm to be of the highest caliber in providing legal services. Their knowledge and level of service is unsurpassed. I highly recommend them.” –William K.

  • “Kelley & Fulton did an exemplary job in handling our bankruptcy case. If you are reading this, then chances are you know just how long and difficult the process is. Craig and staff handled all aspects of our case from start to finish, with results that exceeded our expectations. Well worth the monetary investment, this is not a situation where you “save money” on hiring a second rate attorney.” –Michael P.

  • “ I highly recommend Kelley & Fulton, P.L. I needed them in an emergency situation and they went right to work to complete the task and make sure we met all the deadlines. Craig is the most knowledgeable attorney in his field and Dana K. His assistant has a work ethic second to none. If you have a need this is the firm to help you through any kind of financial troubles.” –Joseph A.

  • “The firm was extremely helpful and thorough. They were always available either by email or phone even on weekends nights or holidays. Our case was very complicated and involved a great amount of negotiating and the end result was perfect. I highly recommend the firm, especially Craig and Dana for their effort on our behalf.” –Dudley T.

    Trust Experienced Bankruptcy Lawyers in West Palm Beach

    Whether your search for a South Florida bankruptcy lawyer takes place during a measured period of financial planning or under duress, Kelley Fulton will be there for you. Almost every enterprise eventually encounters business, legal, or financial problems and will need a reliable bankruptcy attorney in South Florida. Let us be your firm.

    Free Consultation

    Cost Efficient Business Lawyers

    Particularly in the current economic climate, a bankruptcy and foreclosure attorney in West Palm Beach has to work with sensitivity toward the financial circumstances of the client. This concept is nothing new to Kelley Fulton. Historically, we have worked with businesses, individuals, and families that encounter scenarios ranging from wealth preservation to financial ruin. The stakes are always high, but just as timeliness and cost efficiency are part of how our clients do business, it’s how we work too.

    • We keep our overhead low
    • We tailor legal counsel to our clients’ budgets
    • We provide advice that preserves financial stability, keeping clients’ businesses up and running and ensuring stability for the long-term future

    Contact Knowledgeable Bankruptcy Lawyers in West Palm Beach

    Kelley Fulton provides solid legal advice that establishes or restores control of your legal and financial affairs. If you are considering a bankruptcy claim, are starting a new business, or are simply faced with legal questions and seek answers, the time for counsel is now.

    Contact the experienced team of lawyers at Kelley Fulton, P.L. to learn how we can help with your individual situation. Let us ease your worries and begin to plan for a better tomorrow.


  • DFW Bankruptcy Attorney – Vida Law Firm #yes, #you #can #still #file


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    Bedford – Main Office
    3000 Central Drive | Bedford, TX 76021
    Local: 817-358-9977 | Metro: 817-355-0707
    Fax: 817-358-9988

    YES. you can still file a Chapter 7, a Chapter 13 or a Chapter 11 bankruptcy case under the new Bankruptcy Code of 2005.

    Behrooz P. Vida and Carla R. Vida are bankruptcy attorneys for Fort Worth and surrounding areas. All of our energies and resources are devoted to developing winning solutions that can help set you free from the endless cycle of paying your debts, and yet not getting ahead because of high interest and penalty fees. We represent consumers and small businesses in need of financial relief. Bankruptcy can help with credit card debts, repossessions, foreclosures and some tax issues.

    MAIN OFFICE LOCATION
    3000 Central Drive, Bedford, Texas 76021
    Phone: 817-358-9977 Fax: 817-358-9988
    Office Hours: 8:30 a.m. to 5:00 p.m.
    Closed for lunch from 12:00 p.m. to 1:00 p.m.

    We are a debt relief agency.
    We help people file for bankruptcy relief under the Bankruptcy Code of 2005.

    Filing Chapter 7 serves you in two ways. First, as soon as the case is filed, all of your creditors are stopped

    Chapter 11 is a reorganization bankruptcy for corporations and people who don’t qualify for chapter 13.
    Has dollar limitations on

    Chapter 13 is a reorganization type of bankruptcy. The law firm forms a plan to pay certain.

    To learn more about our practice, please visit our multimedia showcase


    Technology – Blue Sky Innovation – Chicago Tribune #ruby #tuesday #bankruptcy


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    Google co-founder Sergey Brin is spending more than $100 million to build the world s largest airship, a blimp with a rigid structure designed to both deliver supplies abroad for humanitarian projects and ferry Brin s family and friends around the globe, the Guardian newspaper reported. The project.

    Apple Inc. is already in your pocket, on your desk and underneath your television. Soon, a device embossed with Designed by Apple in California may be on your nightstand or kitchen counter as well. The iPhone-maker has started manufacturing a long-in-the-works Siri-controlled smart speaker, according.

    Reports have zinged around the Internet this week about a sudden and mysterious surge in President Donald Trump s Twitter following, along with dark musings that something nefarious may be afoot. The wildest of these claims — including the suggestion that Trump had gained up to 5 million followers.

    Congressional Republicans knew their plan was potentially explosive. They wanted to kill landmark privacy regulations that would soon ban internet providers, such as Comcast and AT T, from storing and selling customers browsing histories without their express consent. So after weeks of closed-door.

    What do you really need out of a smartphone? Developer Andy Rubin — creator of the Android mobile operating system now owned by Google — has tried to answer that question with a new phone aimed at delivering the basics of a high-end smartphone in a simple package. The phone, called the Essential.

    Uber has fired Anthony Levandowski, the star engineer at the center of its high-stakes legal fight over driverless cars. Levandowski, the 37-year-old former chief of Uber s self-driving program, was given notice on Friday, according to a termination letter obtained by the Washington Post. He was.

    Andy Rubin created the software that powers hundreds of millions of Android devices around the world. Now he has two gadgets of his own: the Essential Phone and the Essential Home. The phone s display fills most of the front, save for a camera cutout, slim bezels and a small chin at the bottom.

    Ride-hailing giants Uber and Lyft, which left Texas tech-savvy capital city a year ago over local fingerprint requirements for drivers, have returned after state lawmakers intervened. Both companies began rolling on Austin s streets again Monday, when Gov. Greg Abbott signed into law a bill that.

    With its tidy racks of dress shirts, trousers and sweaters, the Ministry of Supply shop on Boston’s Newbury Street looks, in many ways, similar to other clothing stores. That is, except for the 10-foot-long 3-D knitting machine positioned next to the checkout counter — the one that weighs as much.

    Apple Inc. got an early start in artificial intelligence software with the 2011 introduction of Siri, a tool that lets users operate their smartphones with voice commands. Now the electronics giant is bringing artificial intelligence to chips. Apple is working on a processor devoted specifically.

    Tech companies and app developers everywhere are breathing a sigh of relief after Monday s major Supreme Court ruling on a topic that s close to their hearts: Patents. More specifically, patent lawsuits — a rising number of which analysts say are bogus and threaten to strangle new startups and.

    Danny Spell thinks that the idea that a robot will be driving his 18-wheeler one of these days is hogwash. I been listening to a lot of crap on the truckers channel, Spell, 49, said, after pulling in to refuel his big rig at a Pilot truck stop near the crossroads of Interstates 70 and 81 in.

    Starting May 31, T-Mobile users are going to be able to use their phone numbers in an entirely new way. The new feature, known as Digits, is rolling out to all customers, the company said Thursday. It lets you connect all the devices you own to a single phone number — meaning you ll be able to.

    Mark Zuckerberg finally has his Harvard degree. The Facebook CEO and famous college dropout left the Ivy League university 12 years ago to found the social network, but he returned Thursday to pick up a honorary doctor of laws degree and drop some wisdom on the class of 2017. In prepared remarks.


    Bankruptcy Counseling and Pre Filing Credit Counseling #pre #bankrupcty #counseling, #bankruptcy #certificate,


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    Bankruptcy – 1-866-210-3590

    Bankruptcy is a difficult decision for anyone to make and Pioneer Credit Counseling wants to make the process easier for you so you can focus on rebuilding your financial being.

    We offer both pre and post bankruptcy counseling and have knowledgeable counselors who will assist you along the way.

    Pioneer Credit Counseling is approved to issue certificates in compliance with the Bankruptcy Code.*

    Internet and Phone sessions available (same fees for all sessions):

    • Pre bankruptcy is $50 per individual.
    • Post bankruptcy is $50 per individual.

    Convenience with our knowledgeable staff:

    • No appointment necessary
    • Fast, easy emergency filings
    • Open Saturday
    • 24/7 Online Access

    Can setup one account for both Pre and Post sessions.

    We offer Immediate Certificate Distribution by fax or e-mail directly to attorney office,

    in as little as
    60 to 90 minutes.

    Registration can be done online by consumer.

    Certificates uploaded into consumer accounts in Adobe PDF format and are available for immediate access.

    *Approval does not endorse or assure the quality of an Agency’s services.


    R Insolvency Trustees – Bankruptcy – Consumer Proposals #licensed #insolvency #trustee, #r


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    A.Farber & Partners Licensed Insolvency Trustee

    A.FARBER

    The Licensed Insolvency Trustees at A. Farber can review your finances and prepare a consumer proposal to your creditors. A consumer proposal is an offer to settle your debt for less than the total amount owing. This process can result in as much as a 70% reduction in the amount you’ll need to pay back. More importantly, it also allows you to keep your assets such as your car, your house and much more. Read more about Consumer Proposals .

    DEBT CONSOLIDATION

    The debt consolidation process allows you to combine your debts into a loan with a lower interest rate. This process can save you money in interest charges, making debt repayment more feasible. However, debt consolidation only reduces your interest payments. The overall amount owing on the principal does not change. Read more about Debt Consolidation .

    CREDIT COUNSELLING

    Credit counselling is a process designed to help you come up with a strategy for paying down your debt. Credit counselling can help you with budgeting and allow you to repay your debt more quickly, reducing interest charges. However, it does not reduce the overall amount owing. Still confused about which insolvency process is the best option for you? Contact us for a free financial evaluation. We can get you the help you need to clear up your debt once and for all.

    Who we are

    We helped over 50,000 Canadians to become Debt Free in our 36+ Years of Experiences At A.Farber, we specialize in debt relief programs. In a simple manner, we can explain to you the differences between Consumer Proposals, Bankruptcy and Debt Consolidation loans. These are some of the options available to you for debt management. Our Licensed Insolvency Trustee can help with debt relief ranging from credit card debt to tax debt.

    – 50+ offices across Canada (there’s one near you!) – More than 36 years of insolvency experience – Convenient meeting times and hours (and all meetings are confidential) – FREE face-to-face consultation with a trained Debt Administrator or Trustee – A complete review of your financial situation – Reasonable solutions to your debt problems

    Trust Integrity
    For over 36 years Canadians have trusted us with resolving their debt problems. Our professional staff is licensed by the federal government to offer these services.

    Expertise
    In our Canadian owned firm, the 40 licensed professionals have counseled over 50,000 Canadians and guided them to a satisfactory and predictable conclusion to their debt problems. Whether you are single married, separated or widowed we understand your special predicament and can offer a debt relief solution.

    People
    Alan Farber has assembled a dynamic group of people at A.Farber who deliver exceptional results. For 36 years we have lived with our clients through the emotional upheaval and stress of dealing with debt settlement problems. We are committed to excellence in servicing our clients. We are there to listen to you, to support you and help you rebuild your financial future.

    CONSUMER PROPOSAL

    A Consumer Proposal (applicable in Ontario and all other Canadian provinces) is a formal agreement between you and your creditors. It includes an offer to your creditors to settle your debt for an amount that is less than the total amount owing. A consumer proposal can result in as much as a 70% debt reduction. More importantly, it allows you to keep your assets, your car and your house. Read more about Consumer Proposals Benefits .

    BANKRUPTCY

    Bankruptcy is a legal process which provides a debtor, who is unable to meet his or her financial commitments to their unsecured creditors, with a process for eliminating his or her debts in an orderly manner. Read more about Bankruptcy Advantages .

    CONSUMER PROPOSAL VS BANKRUPTCY?

    The choice of which insolvency process to go with can be a difficult one. Check this page to learn more about the differences between consumer proposal and bankruptcy. Still confused which insolvency process is the best for you? Contact us for a free financial evaluation and we can get you the help you need to clear up that debt once and for all. Learn more about Consumer Proposal Vs Bankruptcy.


    Robleto Law PLLC #bankruptcy #lawyers #in #pittsburgh


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    Bankruptcy Lawyers

    Business Bankruptcy and Reorganization, Debt Workout Solutions, Complex Litigation and Bankruptcy Appeals

    Bankruptcy is a complex and ever-evolving field of law. Businesses in and individuals under financial strain in Pittsburgh deserve attorneys attuned to important developments in bankruptcy law. American bankruptcy law developed in part from principles of equity but exists today in the form of statutory law, in Title 11 of the United States Code. Robleto Law is a Pittsburgh bankruptcy law firm focusing on insolvency matters, employing restructuring and debt workout strategies. Our bankruptcy lawyers are extensively experienced in representing financially individuals and entities both in and out of bankruptcy court. The firm takes pride in developing innovative solutions in challenging circumstances. The bankruptcy professionals at Robleto Law monitor legal developments and decisions interpreting key provisions of the United States Bankruptcy Code in Pittsburgh and in courts across the country. State and federal laws governing finance and insolvency can sometimes seem disjointed and unharmonious because they often exist to further different and occasionally conflicting public policy objectives. Our experienced bankruptcy lawyers determine which laws apply under clients particular circumstances and develop legal strategies tailored to their situations and objectives.

    There is simply no substitute for motivated, high caliber legal talent.

    The lawyers at Robleto Law are experienced representing debtors, creditors and other parties in interest within the context of bankruptcy cases as well as in non-bankruptcy and out of court workout situations. When smart businesses and consumers in Pittsburgh need reliable counsel to solve complex financial problems, they consistently turn to the intelligent, experienced and effective bankruptcy lawyers at Robleto Law.

    To schedule an appointment, call (412) 925-8194 .

    Bankruptcy Lawyers Giving the Straight Facts

    There is simply no substitute for motivated, high caliber legal talent. As with many major cities, Pittsburgh is not short of attorneys. However, lawyers without bankruptcy experience and a firm understanding of the contours of the Bankruptcy Code and the life cycle of a bankruptcy case may be unable to achieve the results their clients desperately need. Businesses and individuals in financial peril are particularly vulnerable to the detrimental impact of improvident advice. Robleto Law is a law firm of Pittsburgh Bankruptcy Lawyers who adhere to the precept that no party should become a debtor in a voluntary case under the Bankruptcy Code without an understanding of the likely outcome of the case and the obligations of a debtor. When prudent, we advise our clients to avoid the strictures of the Bankruptcy Code with its extensive requirements of public disclosure, rigid plan confirmation process and preordained scheme of creditors priority. Especially in commercial cases, out of court debt workout arrangements often involve less cost, delay and public scrutiny. Nevertheless, bankruptcy remains a very powerful tool and in certain cases may be the most effective and certain path to meeting clients needs .

    Chapter 7 Bankruptcy Lawyers in Pittsburgh

    The most straightforward and intuitive form of a bankruptcy relief is liquidation bankruptcy under chapter 7 of the Bankruptcy Code. Chapter 7 is available to individual and business debtors alike and the process is similar in commercial and consumer bankruptcy cases. Generally, the moment a debtor files a case under chapter 7, federal law operates to automatically and very broadly stay actions against the debtor and the debtor s property. There are certain exceptions to the application, duration and scope of the automatic stay which do not arise in most cases but that your bankruptcy lawyer can discuss with you.

    A chapter 7 trustee is assigned to the case very shortly after the case is filed. If there are assets available to pay to unsecured creditors, the trustee may liquidate those assets and make a distribution to the holders of unsecured claims according to the priority provisions of the Bankruptcy Code.

    Individual consumer debtors in cases under chapter 7 are entitled to claim exemptions in their property. The Bankruptcy Code allows each state to determine whether debtors may take the federal exemptions set out in the Bankruptcy Code or must apply the exemptions existing under state law. Some states (Pennsylvania is among them) permit debtors to choose between the federal exemptions or those available under state law. Selection and application of exemptions may have a critical impact on debtors rights to retain their interests in property. he 2005 amendments to the Bankruptcy Code imposed a means test upon debtors which may give rise to the presumption of abuse if debtors income exceeds the applicable median income.

    the moment a debtor files a case under chapter 7, federal law operates to automatically and very broadly stay actions against the debtor

    Commercial debtors in cases under chapter 7 must, in most cases, cease business operations. The parties responsible for the business must promptly turn over its books, records and accounts to the trustee appointed to oversee the case. Additionally, someone must appear on behalf of the business debtor and answer the questions of the trustee regarding the business history, operations and financial matters.

    To reach a chapter 7 bankruptcy lawyer in Pittsburgh, call (412) 925-8194 .

    Restructuring of Financial Obligations of Business Enterprises and Bankruptcy Reorganization for Consumer Debtors of Pittsburgh

    In most cases, consumers seeking to reorganize their financial affairs will qualify for relief under chapter 13. Upon filing a chapter 13 bankruptcy petition, the automatic stay will typically allow the debtor breathing room to propose a chapter 13 plan and seek the approval of the Bankruptcy Court for that plan. The creditors of a debtor in a case under chapter 13 have an opportunity to file proofs of claims against the debtor and object to plan confirmation if they believe they are not being treated fairly under the debtor s proposed plan.

    Debtors in cases under chapter 13 must have a regular source of income. There are numerous requirements for confirmation of a chapter 13 plan and important limitations for how debtors may treat the claims of their creditors. The failure statistics for parties that are not represented by lawyers in chapter 13 cases are alarmingly high. The stakes are often quite high in chapter 13 cases where debtors often file for one last, best chance to save their homes. Having an experienced Pittsburgh bankruptcy lawyer in case under chapter 13 may be pivotal to the outcome of the case.

    To meet with a chapter 13 bankruptcy lawyer, call (412) 925-8194 .

    Certain individual debtors with sophisticated financial lives and high levels of indebtedness may not qualify to reorganize under chapter 13 and might instead be left to seek relief under chapter 11 of the Bankruptcy Code .

    Chapter 11 of the United States Bankruptcy Code is designed primarily for business debtors to reorganize. Chapter 11 bankruptcy cases are often bring heightened complexity and expanded and more involved constituencies. Because of the nature of chapter 11 bankruptcy cases, the importance of engaging astute, conscientious and dynamic bankruptcy attorneys is paramount.

    For a free initial consultation about a chapter 11 case, call (412) 925-8194 to speak with one of our available bankruptcy lawyers.


    Bayer Wishman – Leotta #bankruptcy #lawyers #los #angeles #ca


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    Bayer Wishman

    Find Out if Bankruptcy is the Right Option for You – Call Us!

    WANT TO CHANGE YOUR LUCK?

    WE ARE LOS ANGELES BANKRUPTCY LAWYERS WHO
    MAKE GOOD THINGS HAPPEN FOR OUR CLIENTS!

    READ THE REVIEWS. SEE WHAT OUR CLIENTS ARE TELLING YOU.

    The Los Angeles bankruptcy lawyers of Bayer Wishman Leotta have successfully represented clients in Los Angeles and the surrounding areas for over 37 years. Bankruptcy is all we handle. We represent clients in the counties of Los Angeles, Riverside, San Bernardino, Orange, Ventura, and Santa Barbara.

    Whether you need to stop a foreclosure sale, a wage garnishment, or quash creditor harassment, we probably have the right legal solution for you.

    We have weekday and Saturday appointments. We have handled over 15,000 bankruptcy cases.

    As experts, we are frequently interviewed by TV, radio, and print media.

    A free bankruptcy consultation
    We recommend bankruptcy only if you need it
    We offer low fees
    Treat you with kindness and respect
    We are California State Bar Certified Bankruptcy Specialists. Certified bankruptcy specialists provide can provide you with unique experience, skills and creativity that general law practitioners may lack. Bankruptcy law is highly complex. We are going to explain it for you. Demystify the process. Answer your questions.

    Come and visit us for your free consultation. We will go over your personal situation and explain how bankruptcy may affect each of your debts, your home and other assets. We will not recommend bankruptcy unless you need it.

    Payment plans are available. You are under no obligation during your free bankruptcy consultation. We do not sell you a bankruptcy. Whatever you decide to do is fine with us.

    The bankruptcy law firm of Bayer Wishman Leotta has successfully represented clients in Los Angeles and the surrounding areas in for over 23 years. Before that, Leon Bayer and Jeff Wishman worked together at a prominent bankruptcy law firm in Los Angeles. So for the last 33 years, we–Leon and Jeff–have specialized in nothing but helping clients with debt problems. During that time, we have provided legal advice to tens of thousands of people.

    We wanted our firm to be small enough to provide personal service to clients–we want to know every client by name–and just large enough to have a superior staff that provides top flight legal representation to people in trouble. We have maintained this balance consistently in our firm and we enjoy what we do because we get to help real people every day with real problems.

    We are State Bar Certified Bankruptcy Specialists who bring experience, skill and creativity to the highly complex area of bankruptcy law. As experts, we are frequently called upon by the media, the California Bar and other associations to give opinions, provide insight and help educate attorneys on bankruptcy and debt relief matters.

    When you visit us for your free consultation, we will go over your personal situation and explainhow bankruptcy may affect each of your debts, property and assets. We will not recommend bankruptcy unless you need it. Our aim is to provide the very best counsel to our clients and we will be as objective as possible about your options.

    At the end of your consultation, if you decide that bankruptcy is the best option, we will quote you a very reasonable fee. Payment plans are available. You are under no obligation and whatever you decide, our advice during the consultation is free. If bankruptcy is your best option, we will help you through the process.


    Kathleen A #las #vegas #bankruptcy #lawyers


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    (702) 853-0700

    Welcome to the website of Kathleen A. Leavitt, Chapter 13 Trustee in Las Vegas, Nevada

    This site will provide you general information about Chapter 13 bankruptcy and about the Chapter 13 practice in Las Vegas. You will also find information about the administration of Chapter 13 cases by our office.

    We believe that each person involved in the bankruptcy process, from beginning to end, contributes to the success of a Chapter 13 Plan. My staff and I look forward to working with you in your role throughout the process.

    My staff is committed to assisting the bankruptcy community through information, education and rehabilitation. It is our goal to maintain a standard of excellence in Chapter 13 Bankruptcy administration while protecting the interests of all parties.

    §341 Meeting Dates

    National Data Center (NDC) – www.ndc.org -The NDC offers free access to Chapter 13 case information for Debtors and Attorneys. The NDC provides daily updates of cases.You have easy access of your portfolio of client cases on the web site. Click here to register or login.

    Confirmation Hearing Dates
    • June 22, 2017
    • July 6, 2017
    • August 3, 2017
    • August 17, 2017

    Notice of a Modified PlanConfirmation Hearing:

    Search This Website

    Kathleen A. Leavitt


    Adversary Proceedings in Bankruptcy #bankruptcy #lawyers #in #sacramento


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    Adversary Proceedings in Bankruptcy

    An adversary proceeding in bankruptcy is a lawsuit filed within your bankruptcy case. While it remains a part of your bankruptcy case, it has its own separate case number, and you may have a different attorney. Any party can file an adversary proceeding in a bankruptcy — the trustee, a creditor, or you. The purpose of an adversary proceeding is to obtain some form of relief that requires a judge’s attention and cannot be accomplished through a court motion.

    How Adversary Proceedings Work

    An adversary proceeding starts when the person who is suing (the plaintiff) files a complaint with the bankruptcy court. The complaint lists the facts that pertain to the lawsuit and asks the court to enter a judgment based on the facts and the law. When the plaintiff files the complaint, the court will issue a summons, which the plaintiff must serve upon the person being sued (the defendant) along with a copy of the complaint.

    Once the defendant receives the complaint, he or she has a certain number of days to respond, depending on the local rules of the bankruptcy court. To respond, the defendant must file an answer, which responds to the allegations in the complaint. If the defendant does not file an answer on or before the deadline, the court will enter a default, and the plaintiff can obtain a default judgment.

    Common Types of Adversary Proceedings

    There are multiple reasons to file an adversary proceeding. The most common types include:

    Fraudulent transfers. The bankruptcy trustee can file a fraudulent transfer adversary complaint if you transfer any money or property to another within two years before filing your bankruptcy, if the trustee can prove either actual fraud or constructive fraud.

    Preferential transfers. The bankruptcy trustee can file a preferential transfer adversary complaint, also known as a preference adversary, if you repaid any of your creditors more than $600 within 90 days before you filed bankruptcy (or one year if you paid back a relative). The trustee must also prove that you were insolvent at the time of the transfer, that you did not receive anything in return and that the transfer gave the creditor more than it would have received in a Chapter 7. (Learn more about prebankruptcy payments or transfers to creditors .)

    Lien stripping. If you file a Chapter 13 bankruptcy and you have more than one mortgage on your house, you can file an adversary proceeding to strip the junior mortgages from your property and treat them as unsecured claims as long as your house is worth less than the balance due on the first mortgage. (For articles on lien stripping, see Your Home in Chapter 13 .)

    Dischargeability of debt. A creditor can file an adversary complaint requesting that the court not discharge its debt because it alleges that you incurred the debt fraudulently, either by actual fraud or constructive fraud.

    Sale of property jointly owned by the debtor. The trustee’s duties include selling any nonexempt property for the benefit of your creditors. (Learn about exemptions and find the exemptions in your state in our Bankruptcy Exemptions area.) If you own property jointly with someone else, the trustee can file an adversary complaint to sever (split apart) your interests and force the co-owner into selling the property.

    Objection to discharge. Your creditors, the trustee, or the Office of the United States Trustee can file an adversary complaint to deny your entire discharge by alleging that you have committed fraud or that you have failed to comply with court orders.

    Get debt relief now.


    Phoenix Arizona Bankruptcy Attorney #law #firm, #law #office, #legal #advice, #lawyer, #attorney,


    #

    Call 602-252-7552

    Welcome

    Arizona Debt Relief

    Your Financial Future

    Struggling with debt and financial worries is not a new phenomenon, however, in today’s economy, many who thought they would never find themselves in such a position are now unfortunately discovering that it can happen to about any one, at any time. Being faced with these circumstances can create a tremendous amount of fear and frustration. At Mark W. Lischwe, P.C.. we strive to take some of those fears and frustrations out of your life and put you back on track to regaining control of your financial future.

    Learn More

    Please take some time and explore the links on our website. Under “Resources “, you will find sites that provide an abundance of information to not only many commonly asked questions, but some you’ve probably never thought of. Under “Bankruptcy Overview “, a general summary is provided on the different chapters of bankruptcy our office handles. In “Attorney Profile “, you will find Mark W. Lischwe’s legal credentials and experience in the area of bankruptcy law and under “Contact Us “, you can obtain information on how to arrange for your free consultation and prepare for your appointment.

    We hope that after your visit to our website and a meeting with our office, you feel you have been informed and educated as to the bankruptcy process and that you have made the right decision toward taking control of your financial future. Schedule your free initial consultation by Contact Us or by calling 602-252-7552.

    MARK W. LISCHWE, P.C.

    Recipient of Phoenix Chapter 13 TrusteesAward for Excellence .


    Bankruptcy Attorney Orlando #florida #bankruptcy #lawyer,orlando #debt #settlement #attorney,medical #issues,loss #of #job,divorce,bad


    #

    Orlando Bankruptcy and Personal Injury Attorney

    If you have been injured in an accident please click HERE so we can get to work for you.

    You’re reading this right now because you are considering bankruptcy but you are concerned how it will affect your future or if you will lose your car or house. The truth is most people don’t lose anything but their debt. After filing bankruptcy, you may become debt free. No more calls, no more lawsuits. Suddenly, the worlds feels a bit brighter and filled with possibilities. Filing bankruptcy is not failure. It is a unique financial planning tool that can change your life. But that word bankruptcy. When you think of the word bankruptcy, do you get a sick feeling? It is okay; most people do. No one looks forward to filing bankruptcy. But unfortunately, a great deal of people have no other choice. I know I didn’t. Yes that’s right. I filed bankruptcy before. And guess what? It is not nearly as bad as the word sounds. When your bills have gone unpaid for months and you continue to earn the bare minimum just scraping by, hiring an Orlando bankruptcy lawyer is sometimes the best option. Or maybe you are up to date on paying your bills since you have been withdrawing from your 401K and have finally come to the realization that you just can’t keep up the payments anymore. A great many people think they should enter into a program with a debt settlement company or a credit counseling program before filing bankruptcy. The problem is most times these companies get you into a worse situation than before.

    There are others that may be reading this right now that think they are either too young to file bankruptcy or scared to file because they heard they will lose their car or family and friends tell them not to do it. I want to breakdown all the misconceptions and give you the truth during a free consultation with me. I want to share with you my own personal experience with filing bankruptcy and it how it can eliminate your debt, stop harassing debt collector calls and let you sleep at night again. Our Orlando Bankruptcy Attorney Firm helps clients obtain debt relief by filing Chapter 7 or Chapter 13 Bankruptcy and we will continue to help our clients restart their lives.

    We understand that most unpaid debts are the result of medical issues, loss of job, divorce or bad luck. Many of our clients even find themselves in a situation where they are being sued by a debt collector; CACH, LLC, Capital One, Chase Bank, Portfolio Recovery. Did you know that if you file bankruptcy, these debts and most judgments against you will most likely be discharged in an Orlando Chapter 7 bankruptcy. You are probably in a situation where you are trying to figure out what to do. You have probably been thinking about filing bankruptcy in Orlando and Kissimmee for quite some time, but you were worried about what you have heard about filing bankruptcy. Stop worrying. Most people recover from a bankruptcy on their credit report within two years.

    Bankruptcy Lawyers in Orlando and Kissimmee

    The Orlando Bankruptcy Law Firm of Walter F. Benenati, Credit Attorney P.A. has a commitment to aggressive, relentless advocacy on behalf of each client to stop creditor harassment and to help individuals and families get a fresh start. Though as aggressive as we may be in defending your rights, you are not going to see us parading on websites or advertisements looking tough. WE DO NOT HAVE LAWYER EGOS. We understand what our clients are going through. We treat our clients with respect and compassion. That is how we do business. Whether you are the real estate agent that has not sold a property in months, the construction worker trying to put food on the table to feed his family, or the janitor down the street working two jobs, we have devoted our professional careers to helping our clients with their problems and take extreme pride in the results we achieve for them through Chapter 7 or Chapter 13 bankruptcy .

    If you are feeling overwhelmed by your debts, we can help. We are not a law firm with twenty lawyers where you will get lost in the shuffle. In our bankruptcy law office, WE DO ALL THE WORK FOR YOU WHEN WE FILE YOUR CASE. Trust our dedication to providing effective representation while focusing on your needs. Like our slogan says, “Life Has A Restart Button.” Let us help you restart your life.

    Call us today at 407-BANKRUPT (407-777-7777) or complete our online form to reset the clock and discuss your need for debt relief in a free office consultation with experienced Orlando, Kissimmee, and Sanford Bankruptcy Attorneys .


    What Does the Bible Say About Bankruptcy? #bible #bankruptcy, #christian #bankruptcy, #bankruptcy


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    Christian, Bankruptcy, and the Bible

    Many Christians feel guilty about seeking to file for bankruptcy protection. They feel guilty because they ran up large debts on their credit cards and now are unable to pay back the money to their creditors. Some Christians feel bad that their creditors will not be paid. Others have heard that the Bible condemns bankruptcy. Yet before we begin, it is important for us to define what is meant by the term “bankruptcy ; then, we can critically examine what the Bible tells us.

    In the United States of America, our founding fathers recognized the importance of bankruptcy. In the U.S. Constitution, they provided our government with the right to make bankruptcy laws. The bankruptcy laws and procedures we have today, instituted by our federal government, provide relief for overburdened debtors. Persons/entities who are over-their-head in debt can get a fresh start. Normally, a bankruptcy will discharge the debtor s obligation to repay some or all debts.

    Bankruptcy contemplates the “forgiveness” of debt. The Bible, likewise, contains debt forgiveness laws. Under U.S. law, a debtor may only receive a discharge of debts in a Chapter 7 bankruptcy once every eight (8) years. Under Biblical law, the release of debts came at the end of seven (7) years.

    “At the end of every seven years you shall grant a release of debts. And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of his neighbor or his brother, because it is called the LORD’s release” (Deuteronomy 15:1-2).

    The Bible refers to debt as a type of bondage: “. the borrower is a slave to the lender” (Proverbs 22:7). Thus, the debtor is a slave to the creditor. Interestingly, the Bible declares, at the end of the sixth year:

    “. in the seventh year you shall let [your Hebrew slave] go free from you. And when you send him away free from you, you shall not let him go away empty-handed; but you shall supply him liberally from your flock. ” (Deuteronomy 15:12-14).

    Modern bankruptcy laws, like the Biblical provision above, allow debtors to keep certain property when they file bankruptcy. This gives debtors a fresh start and discourages debtors from going into debt-bondage again, after the bankruptcy is over, in order to survive.

    Jesus taught us that sin is a type of spiritual debt. Jesus also taught us to ask God to “forgive us our debts [sins] as we forgive our debtors [those who sin against us]” (Matthew 6:12, Luke 11:4). Sin creates a spiritual debt. Borrowing produces a financial debt. Regarding our spiritual debt, the law of justice declares: “the wages of sin is death [separation from God]” (Romans 6:23a) . However, the law of grace and mercy states that “the gift of God is eternal life in Jesus Christ our Lord” (Romans 6:23b) . Jesus paid for our debt of sin on the cross, a debt too big for us to pay.

    Likewise, economically, the law of justice states that if you agree to borrow money and repay the debt, you must pay back such debt. The law of mercy, on the other hand, states that if you cannot pay the debt back, you may, through bankruptcy, obtain forgiveness for your obligation.

    As with any act of mercy, someone must bear the cost or the burden, just as Jesus did in dying for our sins. With bankruptcy, the creditor and ultimately the consumers must, in mercy, bear the burden of the unpaid debt, but God said He will bless us for such acts of forgiveness and mercy(Deuteronomy 15:5,10,18) .

    Jesus, in two (2) parables, used the illustration of forgiveness of a financial debt to teach about God’s forgiveness and the requirement that mankind forgive (see Matthew 18:21-35 and Luke 7:36-50). “And when they had nothing with which to repay, he freely forgave them both”(Luke 7:42). On a spiritual level, by the grace and mercy of God, Jesus gave us a “fresh start” by canceling all our sin debts through His suffering and death on the cross. On an economic level, our nation will graciously help overburdened debtors, if necessary, by giving them a fresh start economically.

    A guiding principle of U.S. bankruptcy law requires persons who file for bankruptcy to have “clean hands.” Accordingly, a debtor may not be freed from debts involving fraud, drunk driving, and deliberate wrongdoing. Moreover, bankruptcy law does not allow the discharge of child support and alimony debts. Further, most student loans, taxes (Romans 13:1,4,7) and secured loans are not forgiven in bankruptcy. Through these restrictions, bankruptcy laws seek to balance justice and equity (Proverbs 1:3) .

    As with most biblical principles, there is a balance. If you can repay your debts, you must. If you cannot, then you should determine how God would have you freed from the bondage of debt. Our modern bankruptcy laws were derived from the Bible(Deuteronomy 15:1-2) . Further, the Bible describes financial miracles (2 Kings 4:1-7) . Ultimately, you must seek wisdom and guidance from God as to the direction He would have you choose. God promises to give such wisdom to those who ask with a trusting heart (James 1:5-7; Proverbs 3:5-6) . Further, the Bible admonishes us to seek Godly counsel (Psalms 1:1; Proverbs 12:15, 11:14, 15:22) .

    If you have mismanaged your finances, confess your failings to God now. You can receive, by faith, His forgiveness and cleansing (1 John 1:9) . Remember, there is no condemnation or guilt to those who are in Christ Jesus (Romans 8:1) . Jesus, by His love and mercy, gave us a fresh start, a new birth. Bankruptcy, based on the law of mercy with divine origins, if necessary, may provide you with a fresh start – a new and brighter economic outlook.


    Stop Wage Garnishment #bankruptcy #attorney #las #vegas #nv


    #

    Stop Wage Garnishment

    Can You Stop Wage Garnishment?

    Yes, garnishment will stop when your case is filed. However the one exception to this is for child support enforcement suits.

    Van and Associates Law Firm has helped many in the Las Vegas and Henderson community with foreclosure, short sale. bankruptcy. debt settlement. loan modification, and personal injury .

    Please feel free to contact us today so that we may discuss the options that are available to you.

    Van and Associates Law Firm at 702-529-1011

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    2013 Nevada Business Magazine Legal Elite Voted one of the Top Attorneys in Nevada

    Assisting individuals with Short Sales, Principal Reductions, Loan Modifications, Foreclosure Defense, Bankruptcy, Credit Card Debt Settlement, Personal Injury and other areas of law

    Van and Associates Law Firm

    4170 S Decatur Blvd
    Suite B6
    Las Vegas NV 89103

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    Sandy Van, Attorney and Realtor
    2013 Nevada Business Magazine Legal Elite Voted one of the Top Attorneys in Nevada
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    Columbus Attorney Ronald Wittel Ohio Lawyer #columbus #ohio, #attorney, #bankruptcy, #criminal, #ovi,


    #

    Ronald A. Wittel, Jr.

    Attorney at Law

    Attorney Ronald Wittel Columbus Ohio

    In today’s world, people are faced with extremely difficult problems everyday. Most people feel overwhelmed by things that are beyond their control.

    When deciding between lawyers in Columbus. Ohio, choose from attorneys that do the following:

    • Focuses their attention on you,
    • Explains how the law affects you in a way you understand,
    • Evaluates if they can help you,
    • Helps you achieve the best possible outcome,
    • Understands what is best for your future,
    • Listens to your needs and your situation, and
    • Makes you feel comfortable to ask questions.

    How I Can Help You

    As an experienced, licensed attorney in Columbus. Ohio, I find solutions to difficult problems, and I focus my law practice on the following:

    Get the help and answers you need today. Meet with an attorney in Columbus, Ohio. My attorneys fees are competitively priced in a reasonable, affordable, and efficient way. Please call me to set up a free initial consultation in Columbus, Ohio:

    Phone: (614) 445-3000

    Take the next step, and call today.


    Bankruptcy – Family Law Attorney – Glendale, AZ – Law Offices of


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    Bankruptcy Family Law Attorney in Glendale, AZ

    When you are going through a tough time and need someone who is sensitive to your needs, schedule a consultation at the Law Offices of Elizabeth S. Langford, PC in Glendale, Arizona. Since 1995, attorney Elizabeth S. Langford has been assisting clients with their bankruptcy law and family law needs in the Northwest Valley. Attorney Elizabeth S. Langford knows she can make a difference for each person who walks through the door. She is committed to serving the people in her community.

    After reviewing cases, she takes the time to create a strategy that is most likely to result in a favorable outcome. This may result in an individual keeping his or her property throughout a bankruptcy repayment period or an individual obtaining maximum child or spousal support as part of a divorce settlement. Learn more about what she can assist with in the areas of family and bankruptcy law.

    The Law Offices of Elizabeth S. Langford provide legal services to the West Valley Area, including Greater Phoenix and the surrounding cities. After the initial appointment, she will work with you to make the experience as stress-free as possible. Most communication can be done by phone or e-mail.

    Free Consultations for Bankruptcies | Consultation Fee only $50 for Family Law

    To schedule a consultation, call (602) 938-4500 today. You may also want to get in touch with bankruptcy lawyer Elizabeth S. Langford to learn more about how the bankruptcy process works or to answer any other general questions that you may have about the law regarding your case.

    Member State Bar of Arizona | Member Maricopa County Bar Association
    Licensed to practice in: Arizona Supreme Court and United States District Court for the District of Arizona


    Filing Without an Attorney #atlanta #bankruptcy #attorney


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    Filing Without an Attorney

    Individuals can file bankruptcy without an attorney, which is called filing pro se. However, seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes.

    Filing personal bankruptcy under Chapter 7 or Chapter 13 takes careful preparation and understanding of legal issues. Misunderstandings of the law or making mistakes in the process can affect your rights. Court employees and bankruptcy judges are prohibited by law from offering legal advice.

    The following is a list of ways your lawyer can help you with your case.

    • Advise you on whether to file a bankruptcy petition.
    • Advise you under which chapter to file.
    • Advise you on whether your debts can be discharged.
    • Advise you on whether or not you will be able to keep your home, car, or other property after you file.
    • Advise you of the tax consequences of filing.
    • Advise you on whether you should continue to pay creditors.
    • Explain bankruptcy law and procedures to you.
    • Help you complete and file forms.
    • Assist you with most aspects of your bankruptcy case.

    Pro se litigants are expected to follow the rules and procedures in federal courts and should be familiar with the United States Bankruptcy Code. the Federal Rules of Bankruptcy Procedure. and the local rules of the court in which the case is filed. Local rules, along with other useful information, are posted on the court’s website and are available at the local court’s intake counter. Court employees and bankruptcy judges are prohibited by law from offering legal advice.

    Bankruptcy Forms are available to the public free of charge.

    • Use the forms that are numbered in the 100 series to file bankruptcy for individuals or married couples.
    • Use the forms that are numbered in the 200 series if you are preparing a bankruptcy on behalf of a nonindividual, such as a corporation, partnership, or limited liability company (LLC).
    • Sole proprietors must use the forms that are numbered in the 100 series.

    Many courts require local forms. You should check your court’s website before filing any documents.

    Non-attorney Petition Preparers

    If you file bankruptcy pro se, you may be offered services by non-attorney petition preparers. By law, preparers can only enter information into forms. They are prohibited from providing legal advice, explaining answers to legal questions, or assisting you in bankruptcy court. A petition preparer must sign all documents they prepare for you; print their name, address and social security on the documents; and provide you with a copy of all documents. They cannot sign documents on your behalf or receive payment for court fees.

    Finding a Lawyer, Including Free Legal Services

    If you need help finding a bankruptcy lawyer, the resources below may help. If you are unable to afford an attorney, you may qualify for free legal services.