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Life After Bankruptcy

admin — Tue, 09 Aug 2011 11:10:03 +0000

Are you worried about getting credit cards, car loans, jobs, or other things as a result of your bankruptcy? Watch this video and learn why those fears are unfounded.

www.TowLawBankruptcy.com

Duration : 0:1:16

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Queens Bankruptcy Lawyer Cards Credit Counseling Loan Modification New York Long Island NY

admin — Mon, 18 Jul 2011 21:49:00 +0000

Choosing a Bankruptcy Attorney How do find a bankruptcy lawyer? What are the questions that you ask? Debt Consolidation Attorneys Mortgage Foreclosure Lawyer Frozen Bank Accounts and Wage Garnishment Attorney Credit Card Relief servicing Queens, Brooklyn, Bronx, Manhattan, New York, Staten Island, Nassau, Suffolk, Long Island Filing Chapter 7 Bankruptcy NYC Bankruptcy Lawyers Best Bankruptcy Lawyer Video

I’m Neil Colmenares, a Consumer Bankruptcy Attorney. Over many years of practicing bankruptcy law, I’ve noticed people asking the same common questions about Bankruptcy. I’d like to answer some of these questions for you today. ?-First, When should I consider filing Bankruptcy? ?
Although there is no one definitive answer to this question, there are warning signs such as not being able to pay your bills as they come due, you lost your job or are about to be laid off, too many medical bills, oppressive credit card debt, you owe money on property you no longer can afford or wish to keep such as a home or a car. ?
-Next, I currently own a home and a car, will I lose them if I file Bankruptcy??
Probably not. Bankruptcy allows you to keep a certain amount of equity in your home and car despite filing bankruptcy. See the article called Top 10 Misconceptions About Bankruptcy under the recent articles section of this website for more information on this topic.?
-Next common question. What about Credit Card Debt consolidation companies? Can they help?? In my opinion, they are worthless! Please see the accompanying webpage about Debt Consolidation companies.?
-Next common question. Do I need a lawyer to file Bankruptcy??
No. You do not. However, you’d be crazy to file without one. ?Statistics show that people who file Bankruptcy without a lawyer, have an overwhelming chance of having their case dismissed! This is why it is so important to have an experienced Bankruptcy Attorney working for you.?
-This leads to the next common question. How do I choose a good Bankruptcy lawyer?? Ask questions such as how many years of Bankruptcy experience they have, how many cases they have filed, do they write articles on Bankruptcy, are they a member or chairman of the Bankruptcy committee at their local bar association, etc.
Moreover, it is very important that you feel comfortable with your attorney. Do not allow anyone to treat you like a number. Remember, you are trusting someone with your financial future. Demand the best.?
-Final common question. Is it moral to file Bankruptcy?? Yes!
Congress would not permit Bankruptcy as an option if they felt there was something wrong or immoral about it. If Bankruptcy were not available, people would probably work “off the books” to avoid having their wages garnished which would lead to less tax revenues to build schools, roads, hospitals, etc.
In this scenario, everyone loses including the government due to no tax revenue being paid and the person who will be “living in the shadows” unable to live as a constructive member of society.
-If you would like to schedule a consultation, we’ve made it simple. Fill out the “Quick Contact Form” on the Contact us page of this website, briefly describe your case and the time and date you are available for your telephone consultation. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.

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Duration : 0:2:51

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Bankruptcy and Your Credit Score

admin — Thu, 06 Jan 2011 07:51:07 +0000

http://www.bankruptcy-sandiego.com Bankruptcy lawyer talks about your credit rating after Bankruptcy .

Chances are that you spent a great deal of time and energy debating whether or not you should file for bankruptcy. Many people like yourself have found them selves in this economic storm of the last few years. Working people who made good decisions and worked hard found themselves in a economic tsunami. In the end, you have probably felt that you were swimming in debt and it was just time to move on. Nevertheless, weighing heavily on your mind was what sort of life you would have after bankruptcy.

If you concluded that your credit history forever would be destroyed after bankruptcy, you’d be wrong

In truth … in the aftermath of a bankruptcy case you end up in a stronger position to be able to rebuild your credit and carry on with your life.

Rebuilding your financial life

The key to rebuilding your financial life after bankruptcy, the key to reviving your credit following the conclusion of a bankruptcy case is in your hands. When you have completed a course in bankruptcy you will have learned some things that will make your financial life easier than it was before.. You will be relieved, and a whole lot smarter than most people when your bankruptcy is over: there will be light at the end of the tunnel.

Duration : 0:2:36

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Queens Chapter 7 Bankruptcy Lawyer Cards Credit Counseling Loan Modification New York Long Island NY

admin — Thu, 16 Dec 2010 23:22:21 +0000

Personal Bankruptcy FAQ Credit with a Lawyers Know Bankruptcy Laws, Debt Consolidation Attorneys Mortgage Foreclosure Lawyer Frozen Bank Accounts and Wage Garnishment Attorney Credit Card Relief servicing Queens, Brooklyn, Bronx, Manhattan, New York, Staten Island, Nassau, Suffolk, Long Island Filing Chapter 7 Bankruptcy NYC Bankruptcy Lawyers Best Bankruptcy Lawyer Video
Over many years of practicing bankruptcy law, I’ve noticed people asking the same common questions about Bankruptcy. I’d like to answer some of these questions for you today.
-First, The Bankruptcy laws have changed, can I Still File Bankruptcy? Yes. It’s that simple.
-Next, When should I consider filing Bankruptcy?
Although there is no one definitive answer to this question, there are some warning signs. Such as your unable to pay your bills as they come due, you lost your job or are about to be laid off, you have too many medical bills, you have oppressive credit card debt which you can never seem to pay down, you owe money on property that you no longer wish to keep such as a home or a car.
-Next, I currently own a home and a car, will I lose them if I file Bankruptcy?
Probably not. Bankruptcy allows you to keep a certain amount of equity in your home and car despite filing bankruptcy. However, whether there is a chance of losing your home or your car should only be determined by an experienced bankruptcy attorney. Please see the article entitled Top 10 Misconceptions About Bankruptcy under the recent articles section of this website for more information on this topic or contact us and we’ll e-mail you a copy of the article free of charge.
-Next common question. What about Credit Card Debt consolidation companies? Can they help?
In my opinion, with very limited exceptions, they are worthless! Please see the accompanying video and section on this website about Debt Consolidation companies.
-Next common question. Do I need a lawyer to file Bankruptcy?
No. You do not. However, you’d be crazy to file without one.
Bankruptcy law is very complicated. So complicated, that Congress created a special court with special judges to hear these cases. Statistics show that people who file Bankruptcy on their own, have an overwhelming chance of having their case dismissed or not having all their debts discharged! When this happens, you get all the burdens of filing for Bankruptcy (filing remains on your credit report, same creditors harassing you, etc.) with none of the benefits (getting rid of your dischargeable debt!). This is why it is so important to have an experienced Bankruptcy Attorney working for you (not to mention piece of mind knowing an experienced Bankruptcy Attorney is handling your case).
-This leads to the next common question. How do I choose a good Bankruptcy lawyer?
In this tough economy everyone is hurting, including lawyers. And what you see is a lot of lawyers who have little or no experience in bankruptcy taking on these cases with devastating effects on their clients. Do not let this happen to you.
-When choosing a Bankruptcy lawyer, you should ask how many years of Bankruptcy experience they have, are they Board Certified in Consumer Bankruptcy law, do they keep up with recent developments in the law, do they write articles on Bankruptcy, are they a member or chairman of the Bankruptcy committee at their local bar association. Moreover, it is very important that you feel comfortable with your attorney. Remember, you are trusting someone with your financial future. Do not let that someone be just anyone. Demand the best.
-Final common question. Is it moral to file Bankruptcy?
Yes! Yes! Yes! One of the guiding principles of the founding fathers of this nation was that people should have the ability to get a fresh start. This is evidenced by the fact that the U.S. Constitution states that Congress shall have the right to promulgate laws on Bankruptcy. Congress would not permit Bankruptcy as an option if they felt there was something wrong or immoral about it. There are many policy reasons for having Bankruptcy as an option but one reasons stand out. If Bankruptcy was not an option and individuals were stuck with debts forever, the individual would probably work “off the books” to avoid having their wages garnished. This would lead to less tax revenues coming into the government to build schools, roads, hospitals, etc. In this scenario, no one wins! Not the creditor who is unable to collect, not the government due to no tax revenue being paid and last but not least, not the individual who will be “living in the shadows” unable to live as a constructive member of society.

Duration : 0:4:56

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Moses Apsan – NY & NJ Bankruptcy Atrtorney

admin — Thu, 09 Dec 2010 06:20:18 +0000

Moses Apsan, Esq. has over 25 years experience in chapter 7 & Chapter 13 Bankruptcy. He can assist you analyzing your current financial situation and if necessary can file for bankruptcy to STOP FORECLOSURE and save your home and reduce or eliminate your credit card payments. Offices in New York at 225 Broadway, NY 212-661 3344 and NJ at 400 Market Street, Newark, NJ.

Duration : 0:1:35

Technorati Tags: 13, attorney, bankruptcy, chapter, debt, foreclosure, home, loan, modification, new, Newark, relief, York

Chapter 13 Bankruptcy Video – DebtStoppers Videos

admin — Sat, 27 Nov 2010 21:43:37 +0000

Chicago bankruptcy lawyer Patrick Semrad of debt relief firm DebtStoppers discusses the Chapter 13 bankruptcy process. Learn more about personal bankruptcy, how to stop foreclosure and save your home and more on the DebtStoppers website – www.debtstoppers.net

Disclosure: DebtStoppers is a debt relief agency helping people find financial freedom through bankruptcy.

Duration : 0:4:21

Technorati Tags: 13, Attorney/Lawyer, bankruptcy, chapter, chicago, DebtStoppers, Semrad, video

Foreclosure not the end of your debt; Bankruptcy is.

admin — Sat, 23 Oct 2010 23:42:14 +0000

Foreclosure is not the end of your debt. Bankruptcy is. Find out how the Bankruptcy Attorneys at Second Start can help you get a new start in life. Call 1800-SAVEDME

Duration : 0:2:7

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Bankruptcy & Foreclosure : Pros & Cons of Chapter 7 Bankruptcy

admin — Thu, 21 Oct 2010 09:19:16 +0000

Chapter 7 bankruptcy is when a debtor turns over their non-exempt assets to a bankruptcy trustee in order to pay off creditors, but the downside is that a person with a number of non-exempt assets may not want to lose them. Contact a bankruptcy attorney to find out the best way to approach Chapter 7 bankruptcy with help from a certified civil mediator in this free video on bankruptcy and money management.

Expert: Robert Todd
Contact: www.Wearehdtv.com
Bio: Robert Todd is the managing partner and president of Robert M. Todd, P.A. and Family Law Solutions.
Filmmaker: Christopher Rokosz

Duration : 0:1:33

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Qualifying for Chapter 7 Bankruptcy in Minnesota

admin — Mon, 07 Jun 2010 17:42:10 +0000

Minneapolis area bankruptcy attorney David Kelly discusses income and other requirements for filing personal Chapter 7 bankruptcy in Minnesota, from Attorney David Kelly, Minnetonka, near Minneapolis, St. Louis Park, Hopkins, Golden Valley and Plymouth.

This is the kind of bankruptcy which is the usually first choice of individuals who are in serious financial difficulty. It is very well suited to consumer debts, but often works well for self-employed individuals and small businesses too. It is commonly called a “straight” bankruptcy, and is also often referred to as a “liquidation.” The bankruptcy court appoints a trustee who reviews what assets the debtor has available for distribution to creditors. Those would be only the assets that the debtor is unable to claim as exempt. If some assets are available, the creditors are notified. Those who submit claim forms will be given their proportionate share of the available assets, but that is ordinarily all they are going to receive.

Since this video was made the median income requirements which the video refers to have gone up twice, so those numbers in the video are out of date. Up to date numbers for median income in Minnesota can be found on Dave Kelly’s web site at http://www.mn-bankruptcy.com/chapter7.html

Kelly Law Office
1013 Ford Rd.
Minnetonka, MN 55305
952-544-6356

http://www.mn-bankruptcy.com

Kelly Law Office represents bankruptcy clients throughout the Twin Cities – Minneapolis, Minnesota area including Bloomington, Edina, Minnetonka, Eden Prairie, St. Louis Park, Wayzata, Plymouth, Maple Grove, Brooklyn Park, St. Paul, Anoka, Shakopee, Hastings, Eagan, Burnsville, Buffalo, Hennepin County, Anoka County, Carver County, Scott County, Ramsey County, Dakota County, and Wright County.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. The use of the Internet for communications with the firm will not establish an attorney-client relationship and messages containing confidential or time-sensitive information should not be sent.

Duration : 0:4:58

Technorati Tags: bankruptcy, Business, chapter, debt, filing, foreclosure, garnishment, harassment, Personal

Breaking: Major Banks File Bankruptcy – Lehman Brothers

admin — Fri, 04 Jun 2010 17:57:08 +0000

158-Year-Old Investment Bank Goes Belly-Up After Failed Rescue Bid; Bank Of America Takes Over Merrill Lynch

Say hello to a recession very soon!

Duration : 0:2:45

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