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NATLBANKRUPTCY.COM
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
DOES IT MATTER WHICH STATE YOU FILE BANKRUPTCY IN? Which is the best state to file bankruptcy? Can I file bankruptcy in another state? What about buying a home in one state while living in another? Generally speaking, your current place of residence is the appropriate place to hire an attorney and file a bankruptcy case. Learn more about where to file bankruptcy. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
DOES IT MATTER WHICH STATE YOU FILE BANKRUPTCY IN? Which is the best state to file bankruptcy? Can I file bankruptcy in another state? What about buying a home in one state while living in another? Generally speaking, your current place of residence is the appropriate place to hire an attorney and file a bankruptcy case. Learn more about where to file bankruptcy. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU Medical debt is a big problem in the United States. For years, it’s been the No. 1 reason people file for bankruptcy — even though the more common assumption is that those struggling financially have been overspending in other areas of their life.. Luckily, bankruptcy can be a helpful solution for a lot of people. It’s not easy to get out of debt alone, but filing for Chapter 7 CAN BANKRUPTCY BE DENIED? 6 WAYS TO LOSE YOUR DISCHARGE 1. Attempt to Defraud. One common ground for denying a discharge is when the debtor — with intent to hinder, delay, or defraud a creditor — transfers, removes, destroys, mutilates, or conceals property within one year before the date of filing for bankruptcy or any time after the date of filing.. Although this sounds somewhat complicated, it is basically a rule that prohibits a debtor from CREDITOR CALLING AFTER BANKRUPTCY? THAT'S ILLEGAL When a creditor or debt buyer persistently tries to collect on a debt that was discharged in bankruptcy, that creditor is violating federal law, namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. This is the section of the bankruptcy code that states that a discharge: ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. MARIJUANA DEBTS: CAN I FILE FOR BANKRUPTCY IF I GROW POT Where is marijuana legal? Marijuana is the most commonly used illicit drug, with more than 22 million people using it in the past month. The U.S. Food and Drug Administration has approved THC-based medications for stimulating appetite in AIDS patients and for treating nausea in those undergoing chemotherapy as a cancer treatment. To be sure, it is a big business with a lot of potential. DEFICIENCY JUDGMENT: AFTER FORECLOSURE, DO I OWE MONEY If the home sells for $400,000 and your state allows lenders to collect deficiency judgments, you will owe your lender $100,000 once they obtain a judgment for the deficiency. In many cases, this deficiency judgment is a tough pill to swallow for the borrower who just lost their home and yet still owes their lender afterforeclosure.
CAN I KEEP LIVESTOCK AND FILE BANKRUPTCY? That being said, bankruptcy law provides exemptions under which you may be able to protect your livestock. For example, Ohio bankruptcy exemptions allow people to exempt up to $12,625 in personal property (not to exceed $600 in any one item), including animals that are held primarily for personal, family, or household use. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
CHAPTER 7 EXEMPTIONS BY STATE: WHAT CAN I KEEP IF I FILESEE MORE ONNATLBANKRUPTCY.COM
WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. HOW THE NORTH CAROLINA FORECLOSURE PROCESS WORKSSEE MORE ONNATLBANKRUPTCY.COM
FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
CHAPTER 7 EXEMPTIONS BY STATE: WHAT CAN I KEEP IF I FILESEE MORE ONNATLBANKRUPTCY.COM
WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. HOW THE NORTH CAROLINA FORECLOSURE PROCESS WORKSSEE MORE ONNATLBANKRUPTCY.COM
FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU Medical debt is a big problem in the United States. For years, it’s been the No. 1 reason people file for bankruptcy — even though the more common assumption is that those struggling financially have been overspending in other areas of their life.. Luckily, bankruptcy can be a helpful solution for a lot of people. It’s not easy to get out of debt alone, but filing for Chapter 7 CHAPTER 7 BANKRUPTCY IN NEW YORK: EXEMPTIONS AND COURT The Goal of Bankruptcy is a Discharge. The purpose of bankruptcy is to receive a discharge from one’s debts. The discharge means that you will never have to pay those debts that are discharged. Some debts are not discharged, such as taxes, student loans, domestic support obligations and debts that arose from fraud.Otherwise, all credit cards, loans, medical debt, and even taxes older than HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
CREDITOR CALLING AFTER BANKRUPTCY? THAT'S ILLEGAL When a creditor or debt buyer persistently tries to collect on a debt that was discharged in bankruptcy, that creditor is violating federal law, namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. This is the section of the bankruptcy code that states that a discharge: HOW THE NORTH CAROLINA FORECLOSURE PROCESS WORKS How the North Carolina Foreclosure Process Works. North Carolina is a power of sale foreclosure jurisdiction. This means that unlike many other states in which a lender seeking to foreclose must go through a lengthy judicial process in order to regain collateral (your house), North Carolina lenders may foreclose through a private sale process. LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. CAN I KEEP LIVESTOCK AND FILE BANKRUPTCY? That being said, bankruptcy law provides exemptions under which you may be able to protect your livestock. For example, Ohio bankruptcy exemptions allow people to exempt up to $12,625 in personal property (not to exceed $600 in any one item), including animals that are held primarily for personal, family, or household use. DEFICIENCY JUDGMENT: AFTER FORECLOSURE, DO I OWE MONEY If the home sells for $400,000 and your state allows lenders to collect deficiency judgments, you will owe your lender $100,000 once they obtain a judgment for the deficiency. In many cases, this deficiency judgment is a tough pill to swallow for the borrower who just lost their home and yet still owes their lender afterforeclosure.
ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
CAN BANKRUPTCY BE DENIED? 6 WAYS TO LOSE YOUR DISCHARGE 1. Attempt to Defraud. One common ground for denying a discharge is when the debtor — with intent to hinder, delay, or defraud a creditor — transfers, removes, destroys, mutilates, or conceals property within one year before the date of filing for bankruptcy or any time after the date of filing.. Although this sounds somewhat complicated, it is basically a rule that prohibits a debtor from US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU Medical debt is a big problem in the United States. For years, it’s been the No. 1 reason people file for bankruptcy — even though the more common assumption is that those struggling financially have been overspending in other areas of their life.. Luckily, bankruptcy can be a helpful solution for a lot of people. It’s not easy to get out of debt alone, but filing for Chapter 7 CREDITOR CALLING AFTER BANKRUPTCY? THAT'S ILLEGAL When a creditor or debt buyer persistently tries to collect on a debt that was discharged in bankruptcy, that creditor is violating federal law, namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. This is the section of the bankruptcy code that states that a discharge: HIGH INTEREST RATE CREDIT CARDS: HOW ARE THEY LEGAL? Probably not. Usury laws control the amount if interest that can be charged when money is lent or credit extended. In California certain loans and consumer loans cannot have interest rates that exceed 10%. For non-consumer loans the interest rate is 5% greater than the interest rate established by the Federal Reserve Bank of SanFrancisco.
MARIJUANA DEBTS: CAN I FILE FOR BANKRUPTCY IF I GROW POT Where is marijuana legal? Marijuana is the most commonly used illicit drug, with more than 22 million people using it in the past month. The U.S. Food and Drug Administration has approved THC-based medications for stimulating appetite in AIDS patients and for treating nausea in those undergoing chemotherapy as a cancer treatment. To be sure, it is a big business with a lot of potential. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
HOW THE NORTH CAROLINA FORECLOSURE PROCESS WORKS How the North Carolina Foreclosure Process Works. North Carolina is a power of sale foreclosure jurisdiction. This means that unlike many other states in which a lender seeking to foreclose must go through a lengthy judicial process in order to regain collateral (your house), North Carolina lenders may foreclose through a private sale process. DEFICIENCY JUDGMENT: AFTER FORECLOSURE, DO I OWE MONEY If the home sells for $400,000 and your state allows lenders to collect deficiency judgments, you will owe your lender $100,000 once they obtain a judgment for the deficiency. In many cases, this deficiency judgment is a tough pill to swallow for the borrower who just lost their home and yet still owes their lender afterforeclosure.
ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). DOES IT MATTER WHICH STATE YOU FILE BANKRUPTCY IN? Which is the best state to file bankruptcy? Can I file bankruptcy in another state? What about buying a home in one state while living in another? Generally speaking, your current place of residence is the appropriate place to hire an attorney and file a bankruptcy case. Learn more about where to file bankruptcy. LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). DOES IT MATTER WHICH STATE YOU FILE BANKRUPTCY IN? Which is the best state to file bankruptcy? Can I file bankruptcy in another state? What about buying a home in one state while living in another? Generally speaking, your current place of residence is the appropriate place to hire an attorney and file a bankruptcy case. Learn more about where to file bankruptcy. LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. FIREARMS AND CHAPTER 7: WILL I LOSE MY GUNS IN BANKRUPTCY? Additionally: In the 111th Congress, legislation was passed in the House (H.R. 5827) that would have provided an explicit federal exemption in bankruptcy for a debtor’s aggregate interest, up to $3,000, “in a single rifle, shotgun, or pistol, or any combination thereof.”. The bill also included the means for protecting firearmsby
LOOK BACK PERIOD FOR CHAPTER 7 BANKRUPTCY AND FRAUDULENT Learn about the bankruptcy look back period and fraudulent transfers. Keep your property safe from a bankruptcy trustee by avoiding fraudulent transfer. Conveyance laws inside and outside of bankruptcy can be complicated. Seek the help of a bankruptcy lawyer at National Bankruptcy Forum before transferring property. TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU Medical debt is a big problem in the United States. For years, it’s been the No. 1 reason people file for bankruptcy — even though the more common assumption is that those struggling financially have been overspending in other areas of their life.. Luckily, bankruptcy can be a helpful solution for a lot of people. It’s not easy to get out of debt alone, but filing for Chapter 7 PAYING BACK FAMILY MEMBERS BEFORE BANKRUPTCY If you file under Chapter 13, the situation is a little more complicated. If the loan from friends or family is documented by a promissory note, you’ll be able to pay it back through your payment plan. However, those payments will be proportional to the size of the debt. If that note represents just 10% of your total debt, only 10% ofany
CAN BANKRUPTCY BE DENIED? 6 WAYS TO LOSE YOUR DISCHARGE 1. Attempt to Defraud. One common ground for denying a discharge is when the debtor — with intent to hinder, delay, or defraud a creditor — transfers, removes, destroys, mutilates, or conceals property within one year before the date of filing for bankruptcy or any time after the date of filing.. Although this sounds somewhat complicated, it is basically a rule that prohibits a debtor from ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. HIGH INTEREST RATE CREDIT CARDS: HOW ARE THEY LEGAL? Probably not. Usury laws control the amount if interest that can be charged when money is lent or credit extended. In California certain loans and consumer loans cannot have interest rates that exceed 10%. For non-consumer loans the interest rate is 5% greater than the interest rate established by the Federal Reserve Bank of SanFrancisco.
CREDITOR CALLING AFTER BANKRUPTCY? THAT'S ILLEGAL When a creditor or debt buyer persistently tries to collect on a debt that was discharged in bankruptcy, that creditor is violating federal law, namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. This is the section of the bankruptcy code that states that a discharge: HOW THE NORTH CAROLINA FORECLOSURE PROCESS WORKS How the North Carolina Foreclosure Process Works. North Carolina is a power of sale foreclosure jurisdiction. This means that unlike many other states in which a lender seeking to foreclose must go through a lengthy judicial process in order to regain collateral (your house), North Carolina lenders may foreclose through a private sale process. DEFICIENCY JUDGMENT: AFTER FORECLOSURE, DO I OWE MONEY If the home sells for $400,000 and your state allows lenders to collect deficiency judgments, you will owe your lender $100,000 once they obtain a judgment for the deficiency. In many cases, this deficiency judgment is a tough pill to swallow for the borrower who just lost their home and yet still owes their lender afterforeclosure.
CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an DOES IT MATTER WHICH STATE YOU FILE BANKRUPTCY IN? Which is the best state to file bankruptcy? Can I file bankruptcy in another state? What about buying a home in one state while living in another? Generally speaking, your current place of residence is the appropriate place to hire an attorney and file a bankruptcy case. Learn more about where to file bankruptcy. HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU CREDITOR CALLING AFTER BANKRUPTCY? THAT'S ILLEGAL When a creditor or debt buyer persistently tries to collect on a debt that was discharged in bankruptcy, that creditor is violating federal law, namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. This is the section of the bankruptcy code that states that a discharge: ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. CAN CREDIT CARD COMPANIES TAKE YOUR HOUSE? The bottom line is this: Your credit card company can take your stuff if you don’t pay, but only after a fairly long process that will have to play out in the court system. Before a credit card company can seize your property, they’ll have to sue you and obtained a judgment. Even then, it will only be your non-exempt assets that aresubject
HOW TO WIN A CREDIT CARD LAWSUIT The first step is to read the complaint carefully. The complaint will have crucial information about what the lawsuit is about and when and where to file your answer. The answer is your response to the allegations made by the credit card company. Don’t ignore letters from the credit card company! You’ll have a narrow window of time inwhich
ARBITRATION AGREEMENTS IN BANKRUPTCY: CAN THEY BE ENFORCED?SEE MORE ONNATLBANKRUPTCY.COM
TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
WILL BANKRUPTCY AFFECT MY SPOUSE'S DEBTS AND CREDIT If a husband files bankruptcy without his wife, only the husband’s debts are discharged. If the debts are held jointly, the non-filing wife will still owe even after one spouse has filed bankruptcy. The bankruptcy filing will appear on the husband’s credit report, but should not appear on the wife’s. If a non-filing spouse receives an DOES IT MATTER WHICH STATE YOU FILE BANKRUPTCY IN? Which is the best state to file bankruptcy? Can I file bankruptcy in another state? What about buying a home in one state while living in another? Generally speaking, your current place of residence is the appropriate place to hire an attorney and file a bankruptcy case. Learn more about where to file bankruptcy. HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU CREDITOR CALLING AFTER BANKRUPTCY? THAT'S ILLEGAL When a creditor or debt buyer persistently tries to collect on a debt that was discharged in bankruptcy, that creditor is violating federal law, namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. This is the section of the bankruptcy code that states that a discharge: ARIZONA ANTI-DEFICIENCY STATUTE: AM I PROTECTED AFTER Arizona’s anti-deficiency statute is codified in the Arizona Revised Statutes Sections 33-814.G and 33-729.A. Section 33 prevents a lender from seeking a deficiency judgment after foreclosure when the mortgage loan was made to help purchase the home, the property is less than 2.5 acres in size and less than two “dwelling units” in size. TAX REFUND AND BANKRUPTCY? HERE'S HOW TO KEEP YOUR MONEY The best way to avoid losing your tax refund is to file your tax return, receive the refund and spend it prior to filing your bankruptcy. Your bankruptcy attorney should instruct you to keep a record of how your refund is spent. Your refund can be used for a variety of expenses, including most of your ordinary householdexpenses, like:
HOMESTEAD EXEMPTION LAWS: STATES WITH HOMESTEAD PROTECTION Other unlimited homestead exemption states, with small exceptions, include Texas, Iowa, Kansas, South Dakota, and Oklahoma, in addition to the District of Columbia. Some other states have fairly generous homestead exemptions, including Nevada ($550,000 equity), Minnesota ($390,000 to $975,000, if a farm), and Montana ($250,000). CHAPTER 7 EXEMPTIONS BY STATE: WHAT CAN I KEEP IF I FILE Many people mistakenly believe that they will lose everything when they file for Chapter 7 bankruptcy.. This is not the case. The Bankruptcy Code allows debtors to claim certain necessary property as off-limits from creditors and the trustee. That property is the debtor’s “exempt property.” US MEDICAL DEBT: 10 FACTS THAT WILL SHOCK YOU Medical debt is a big problem in the United States. For years, it’s been the No. 1 reason people file for bankruptcy — even though the more common assumption is that those struggling financially have been overspending in other areas of their life.. Luckily, bankruptcy can be a helpful solution for a lot of people. It’s not easy to get out of debt alone, but filing for Chapter 7 CAN BANKRUPTCY BE DENIED? 6 WAYS TO LOSE YOUR DISCHARGE 1. Attempt to Defraud. One common ground for denying a discharge is when the debtor — with intent to hinder, delay, or defraud a creditor — transfers, removes, destroys, mutilates, or conceals property within one year before the date of filing for bankruptcy or any time after the date of filing.. Although this sounds somewhat complicated, it is basically a rule that prohibits a debtor from CHAPTER 7 BANKRUPTCY IN NORTH DAKOTA: WHAT YOU NEED TO KNOW The past decade has been good to North Dakota. During the Great Recession, while median incomes across the country were shrinking when adjusted for inflation, household incomes in North Dakota grew by more than 15%. In 2016, “legendary North Dakota” posted the 10th highest per capita personal income (PCPI) in the United States, at $54,267. That’s a dramatic increase compared with the ATTORNEY CLIENT RELATIONSHIPS REQUIRE TRUST And then let them talk. You’ll be surprised by the results. Trust can be built in the moment. These small pieces of a conversation take a minute, sometimes two minutes. As a result, the lawyer-client relationship is strengthened, and both parties benefit from it for the duration of the representation. A human connection is made. SURRENDERING HOUSE IN CHAPTER 7 BANKRUPTCY VS. FORECLOSURE The primary difference between surrendering a home and foreclosure is the possibility of owing money after the sale. When a home is surrendered, a foreclosure will ensue — but only as a means of clearing title so the bank can sell the home. In a foreclosure that takes place outside the context of a surrender, the borrower can endup owing the
DEFICIENCY JUDGMENT: AFTER FORECLOSURE, DO I OWE MONEY If the home sells for $400,000 and your state allows lenders to collect deficiency judgments, you will owe your lender $100,000 once they obtain a judgment for the deficiency. In many cases, this deficiency judgment is a tough pill to swallow for the borrower who just lost their home and yet still owes their lender afterforeclosure.
CHAPTER 7 BANKRUPTCY IN MICHIGAN: EXEMPTIONS AND COURT Filing Chapter 7 Bankruptcy in Michigan. Chapter 7 bankruptcy or “straight bankruptcy” is a process designed to help consumers start over financially. Chapter 7 discharges unsecured debts such as high-interest credit cards and medical bills. Although the process is organized under federal law, Chapter 7 cases vary by jurisdiction.877-280-4299
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Published on April 17, 2020 Biden on Bankruptcy: 10 Ways the Bankruptcy Laws Could Change if Democrats Take the White House In the last few weeks as Vice President Biden has solidified his position as the presumptive Democratic Party Presidential nominee, he has adopted positions of his former rivals to unify the party, … * Chapter 7 Bankruptcy+
Last updated on April 2, 2020 The 5 Best Credit Cards for Rebuilding Your Credit If you have a low credit score, it probably either means you’re just starting to build your credit as a young adult, or you’ve been unable to pay bills, been sent to collections, and your score …* Consumer Debt
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Last updated on April 3, 2020 Will the IRS Really Forgive Most of My Tax Debt? There are plenty of commercials on TV claiming it's easy to get tax debt forgiven by the IRS. But, you know what they say - if it sounds too good to be true, it probably is. Be careful. There are …* Bankruptcy Basics
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