I need to file a Chapter 7 bankruptcy because I lost my job last year. Before that, I kept up with my credit card payments, but I had to live on the cards and fell way behind. I just started a new job for much less income than before, and there’s no way I can [...]
Do I Have To Disclose Income In Bankruptcy
Potential bankruptcy filers sometimes ask whether they really have to produce their income taxes and pay stubs when they file, isn’t this ‘nosey’ of the bankruptcy court? Under U.S. Bankruptcy Code section 521, after the voluntary bankruptcy petition is filed, and before the creditors meeting, the person filing must submit all pay stubs and/or “payment [...]
How Are Personal Injury Claims Investigated?
Personal injury claims are nearly always investigated by insurance companies to varying degrees. The existence of pre-existing conditions is nearly always discovered, for example. Such conditions can be developed in exhaustive discovery of medical records, then through ’independent medical examinations’. At the beginning of the claim, insurance companies will ask for signed authorizations allowing them to [...]
Should I File Bankruptcy: What do I consider while thinking about it?
Bankruptcy. Just the thought can overwhelm. But, anyone confronting a mountain of debt should weigh the pros and cons. First, calculate how long it will take to pay off your debts. Throw all credit cards in a drawer. Figure how much over the minimum payments you can make each month. Then, determine when you will [...]
What is my Personal Injury Case Worth
Personal injury case evaluation can take many factors into consideration, largely driven by the nature of the injury and how it has impacted the life of the injured person. The question of what a case is worth can’t even be approximated until thorough review of many factors. Some, but by no means all of these include the dollar amount [...]
Be Careful With Internet Postings
Can I legally be fired due to Facebook comments? I work for a fairly large corporation and have been given a warning over posts I made that never directly used the company’s name. For example, I said I wished that I had never left my previous job. I joked that “Oh boy I made $10.00 [...]
Rebuilding Credit After Bankruptcy
Credit can be rebuilt after bankruptcy. It’s not the easiest thing you’ll ever do. But, if you are serious, and if you implement a plan and follow it, you will not be the first person in the world to file a bankruptcy and then build a decent credit rating. Car Loan If you have a [...]
Interrogatories
I was injured in an accident and now my attorney has sent me a long list of multiple questions sent by the insurance company lawyers called interrogatories. I don’t see why I should have to take my personal time to answer these when I was the one that was injured. Do I absolutely have to [...]
Debt Consolidation
Bills are overwhelming us, especially credit card debt. Is it to our advantage to think about debt consolidation? Many credit counseling and credit repair agencies, in the experience of my clients, in fact do more damage than good. Some, again in my experience through my clients, are outright fraudulent. The only credit counseling that you [...]
Bankruptcy Filing and Keeping Cars
We want to file a chapter 7 bankruptcy. Will we be able to keep our cars and still be able to discharge credit card debt? How do we tell if we make too much money to even file a chapter 7? Whether or not bankruptcy filers can keep any individual piece of property depends on [...]
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