Bankruptcy Attorney serving Kingsport and Johnson City, TN. Jim Williams and Associates Attorneys at Law. Experienced Lawyers. When results matter the most!
Most people who file bankruptcy will choose chapter 7 bankruptcy to get rid of their debt. Chapter 7 is generally the least complicated way to use bankruptcy to get control of your financial life. Unless you are trying to save a home or you earn too much, chapter 7 bankruptcy is almost always the best option for you. It is important to consult with a knowledgeable attorney to determine which chapter of the bankruptcy code is right for you.
How does a Chapter 7 bankruptcy work?
Your bankruptcy petition, which we prepare for you and file with the Court, begins your bankruptcy case. Whenever you begin a bankruptcy case, the law requires that you provide the Court with a comprehensive picture of your financial condition. The information that we include in the petition we prepare for you includes your income, your expenses, a list of your assets, and a list of your creditors and how much you owe them. As we prepare your petition, we will also discuss with you your finances and provide you advice and counsel. We continue to advise and support you and communicate with you throughout your bankruptcy case.
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Before you file bankruptcy you must also take a consumer credit counseling course. Most people choose to take this class online.
Part of the chapter 7 bankruptcy process includes the appointment of a bankruptcy trustee. The trustee’s job is to make sure that your case is handled properly. One of the trustee’s tasks is to review your assets to determine whether any of your assets can be used to pay something to your creditors. In Nevada, most people can generally keep much if not all of their property in a chapter 7 bankruptcy. It is very important that your attorney take the time to discuss with you your assets in order to determine what the law protects (exempt assets) and what the law gives to the trustee (non-exempt assets).
Once you file a chapter 7 bankruptcy petition, you will need to attend a meeting of creditors about 30 days later. The trustee runs this meeting, and your creditors are invited to attend. During this meeting the trustee will ask you questions about the information in your petition and make sure you have provided all of the necessary paperwork.
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In order to receive your discharge, you will also need to take a second online course, a debtor education course, after we file your bankruptcy petition for you.
After you receive your discharge, usually about 3 to 4 months after you file your case, your debts (except for some debts like student loans and some taxes) are no longer enforceable against you.
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Duncan Law – Will Filing Chapter 13 Bankruptcy Reduce My House or Car Payments? Bankruptcy information, Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt, end of bankruptcy, bankruptcy discharge, bankruptcy dismissal, bankruptcy petition, filing bankruptcy, get out of debt, behind on mortgage payments, Charlotte NC bankruptcy, Charlotte bankruptcy attorney, Charlotte bankruptcy lawyer, bankruptcy attorney, bankruptcy lawyer, Charlotte bankruptcy, North Carolina bankruptcy attorney, NC bankruptcy
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Nielsen Law Group has offices in Chandler, AZ and Redlands, CA.
NOTE: The information provided in this video shall not constitute legal advice. Information is provided solely for educational purposes.
2411 Fountain View Drive, #130
Houston, TX 77057
The Best Houston bankruptcy Attorney Offers Ethical Alternative
There are lots of choices when it comes to selecting a Houston bankruptcy attorney. Most consumers who are facing financial challenges hope to find a bankruptcy lawyer in Houston,TX who is knowledgeable, but price is their main consideration. But instead of focusing on locating a bankruptcy attorney based on what you can afford, you should first consider this. Are you sure you need to file bankruptcy in the State of Texas?
Bankruptcy is a permanent, public record that follows you for the rest of your life. Every application that you fill out for credit and every job you that apply for will likely ask about a Chapter 7 or 13 bankruptcy filing. You must answer this question truthfully. For this and other reasons you would be better off to know if your situation warrants your filing for bankruptcy.
Chapter 7 Bankruptcy is a Permanent Decision
You can only receive one bankruptcy discharge every 7 years under current law. You may not have it available for a possible catastrophic indebtedness if you have wasted a discharge on unsecured debt. Most people call a Houston bankruptcy attorney to find out if Chapter 7 or Chapter 13 is right for them. This is like a fish asking a shark for directions to where he can find safety. There are honest and reliable bankruptcy attorneys in Houston, TX out there, but how will you know if that is the person you decide to call for advice? You should instead explore alternatives to this option and only a special attorney will provide this perspective for you.
You can count on Judge Jed Shaw’s legal opinion of your situation. Though he is a bankruptcy lawyer, he prefers to not file for his clients 90% of the time. His focus is on alternatives to bankruptcy and thus his goal is to offer you advice so you can avoid it at all costs.
Houston Consumers Have Better Bankruptcy Options
The biggest motivator for most people living in Houston, TX are their concerns about wage garnishment. On top of this, there is much ignorance concerning the statute of limitations on debt in Texas as well. Most Houston folks don’t realize that these two things are very different for those living in Texas, and this is due to the state constitituion. Since Jed Shaw is a licensed Houston bankruptcy attorney, but also a former Judge and Mayor, his knowledge of state law is perhaps the most extensive you’ll find among other bankruptcy lawyers in the Houston area. Not only this, he is very familiar with consumer rights and sits on the Board of Directors for the South Texas BBB. These vantage points converge to offer you, the Houston consumer facing bankruptcy, perhaps the best perspective when it comes to exploring your bankruptcy options.
The Bottom Line:
Shaw Defense offers you expert advice when it comes to understanding your alternatives to bankruptcy in Texas. As a practicing houston bankruptcy attorney, Judge Jed Shaw can help you decide the right course of action for your family. Give the most experienced Houston bankrupty attorney a call today! 713-750-9038
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Need to file Chapter 7 or Chapter 13 Bankruptcy in Maryland? Call Us – Fast Filing – Great Experiences.
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BALTIMORE BANKRUPTCY LAWYER – Maryland Bankruptcy Attorney
Stop the phone calls today, understand your right concerning Bankruptcy
Bankruptcy may be the new beginning you have been searching for, see if and what you may qualify for
The Managing partner of Consumer lawyers of America P.A. is a licensed Bankruptcy Attorney and can assist clients throughout the United States. A business or an individual can file for Bankruptcy once they have ascertained that it has become impossible to pay off one’s creditors. It can give you a chance to start over from a financial point of view, as most of debts are relieved after you file for bankruptcy.
Chapter 7, or liquidation bankruptcy, means that your “estate” — i.e., your assets — is sold in order to pay off your creditors. A reorganization bankruptcy can also involve the selling of assets, but more often than not you can retain a majority of your assets while your creditors’ needs are assessed. Reorganization bankruptcies can be filed under the following guidelines: Chapter 11 — businesses and individuals with many assets
Chapter 13 — individuals with steady income
Contact us today to learn more about your options under the current bankruptcy laws. We’re here to help. Make sure you work with a qualified Bankruptcy Attorney.
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DISCLAIMER: Legal information is not the same as legal advice! The information on the Consumer lawyers of America Web Site, the Law Firm of Henry N. Portner, PA is provided with the understanding that the authors and publishers are not herein engaged in rendering legal advice.
We may offer our opinion on; Loan Modifications, short sales, deed in lieu, reinstatement of loan or general pre-foreclosure information. As such, the information presented here should not be used as a substitute for consultation with professional legal assistance or other competent adviser. While we have made every attempt to ensure that the information contained on this Web Site has been obtained from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of this information.
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Hi, I’m St. Louis bankruptcy attorney Frank Ledbetter. I’ve been a St. Louis bankruptcy lawyer since 2003. If you’re considering filing for bankruptcy, you are probably wondering what steps you need to take beforehand.
Prior to the filing of any type of bankruptcy case by an individual, the bankruptcy client must complete a specially designed pre-bankruptcy counseling course (sometimes referred to as “credit counseling”) and submit the certificate of completion for the course to the client’s bankruptcy lawyer. The pre-bankruptcy counseling is required prior to the case filing even when the client has an emergency such as an immediate need to stop foreclosure of the client’s real property.
The bankruptcy client has the option of completing the pre-bankruptcy counseling course with any counseling agency approved by the United States Trustee’s Office for the district in which the client will be filing the case. In-person counseling is available in some locales. Most bankruptcy clients, however, opt to complete the pre-bankruptcy counseling over the telephone or online.
The bankruptcy client should give the counseling agency the fax number or e-mail address for the client’s bankruptcy attorney and request the counseling agency send the certificate of completion to the bankruptcy lawyer. The pre-bankruptcy counseling must be completed within 180 days prior to the filing of Debtor’s case. If a client completes the counseling course and waits 181 days or more to file the case, the counseling must be repeated before the bankruptcy attorney may file the client’s case.
The counseling agencies typically charges .00-.00 for the pre-bankruptcy counseling depending on the agency and sometimes depending on whether the counseling is completed via the internet or telephone. For clients who have very limited income, a fee waiver may be obtained from the counseling agency.
If you live in Missouri… like Jefferson County, Franklin County, St. Charles County, or anywhere near St. Louis and are considering filing for Chapter 7 or Chapter 13 bankruptcy, I want you to have my FREE SPECIAL REPORT at no charge. It reveals tips and strategies good people who’ve suffered through tough times can use to turn things around. Just visit StLouisBankruptcyAttorneyHelp.com to get your own copy sent to you right away.
As an additional bonus, I would be glad to meet with you for a no cost, no commitment consultation to help you explore your options so that you may determine which debt relief option is best for you.
Brooklyn Bankruptcy Lawyer.
The banks use the law to protect their rights and to collect money that you owe them. What many people don’t’ realize are that there are also laws that protect them.The following are the top 6 thinks that banks would rather you don’t know.
Brooklyn Bankruptcy Attorney
6. If you are late in paying your credit cards you have rights under the Fair Debt Collection Act.
The Fair Debt Collection Act is a federal law that gives you certain protection.For example if a collection agency calls you, you have the right to tell them not to call you anymore and they must stop.Another example, collectors can’t call you all hours of the day and night.They have limits. Still another example, when sending you collection letters they must provide certain notices to you. If they violate these requirements, lawyers such as myself can sue them, at no expense to you, and obtain money from them for you.
5. If you are late in paying your creditors they can’t simply garnish your salary or take money from your bank account.
Bill collectors may threaten you with garnishing your salary or taking the money from your bank account, but they can’t do that without first serving you with a summons and then getting a judgment from the court.
Brooklyn Bankruptcy Attorney
4.If you are sued by your creditors you have the right to respond.
If you receive a summons from your creditors you should not ignore them.You have the right to answer and have them prove their case.You also have the right to discovery, for example have them answer questions or present someone to testify. If you can even hire a lawyer, such as myself to represent you.
3. If they your creditors get a judgment against you it is extremely unlikely that they are not going to come to your home and take your belongings.
If an unsecured creditor, such as a bank issuing a credit card gets a judgment against you it is extremely unlikely that they will send the Marshall or Sheriff to you home to take your belongings.That is because by law you are entitled to keep certain possessions. Further, your personal possessions very likely don’t have much value and it would not be worth their effort to have your stuff taken and sold. However, If you have a secured creditor such as in the case of a car loan and you fall behind they very likely would repossess the car.
Brooklyn Bankruptcy Lawyer
2.If you are behind in paying your mortgage you may be able to catch up by filing Chapter 13 Bankruptcy.
Chapter 13 allows you up to 5 years to repay your arrears. If your Chapter 13 repayment plan is approved by the Bankruptcy Court the bank must accept your payments.
1. If you file Chapter 7 Bankruptcy your unsecured creditors such in the case of credit cards won’t be able to garnish your salary or take money from your bank account and best of all, you won’t be responsible for paying them.
When you file a Chapter 7 Bankruptcy an automatic stay is issued by the court that immediately stops your creditors from all collection activity, including garnishments and freezing your bank accounts.Once the discharge is issued by the court your credit card debts will be eliminated.
We have helped thousands of clients with bankruptcy for the past 25 plus years. If you live in New York or New Jersey and would like to know more about bankruptcy call us to schedule a free consultation.