Posts Tagged ‘Collection’
Documents Needed for Preparing Your Bankruptcy
I’m Dave Kelly. I’m a lawyer practicing in the Minneapolis, Minnesota area. It seems I am spending an increasing percentage of my time preparing and filing bankruptcies. The biggest part of the project is usually preparing the petition.
Plan on at least three sessions in my office of about an hour and a half duration. There should be a more efficient way of doing it, but I haven’t found it. It seems to me that if you don’t take the proper time, there’s a lot more risk.
The petition is a document that runs about 45 pages and contains about a thousand questions, all of which must be answered carefully and truthfully. The rule here is to make full disclosure. When you sign this document, it is under penalty of perjury. I have never been comfortable doing it any other way than going through the whole thing line by line. I have top-of-the-line software for preparing the petition. This is necessary because some of the forms contain complicated calculations based on U.S. Census data or IRS data. What I do with my clients is sit down with the computer monitor turned where they can see it and start going through the questions one at at time.
The list of what I may ask you to bring to me can vary quite a bit from case to case. Typically, however, I will be asking you to bring me at least the following:
Pay check stubs for all employment income during the past seven months.
Your state, federal and property tax returns for the past two calendar years.
Statements for all of your bank accounts for the past seven months.
Recent statements for your mortgages, home equity loans and automobile loans.
A list of all your debts along with a stack of your most recently received bills for each one.
A copy of the deed to your home and copies of deeds to any other real estate you may own.
Paperwork on any legal action which is currently pending or which ended in the past two years.
A credit counseling certificate from a qualified agency. Here is a link to the court’s list of qualified providers.
A recent credit report for yourself. The best place to get such a report is http://www.annualcreditreport.com.
This video is for general information purposes only and is not intended to be legal advice. Use of these materials does not create an attorney-client relationship. I recommend that you consult the attorney of your choice concerning the details of your cae.
David J. Kelly, Attorney
Kelly Law Office
A Debt Relief Agency under the Federal Bankruptcy Code
10709 Wayzata Blvd. #205
Minnetonka, MN 55305
952-544-6356
dave@kelly-law.com
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.
Duration : 0:4:32
Preventing Credit Card Debt Lawsuits and Judgments
http://www.TheCreditCardSolution.com- Free Videos
educate you on your rights under federal law and how to defend yourself and prevent legal judgments.
Duration : 0:4:55
DEBT CONSOLIDATION AND DEBT MANAGEMENT FOR BAD CREDIT
Free Debt Consolidation and Debt Management Help. Get Answers Here…
Duration : 0:1:29
Credit Card Debt Trap – Part 1 of 10 – Dateline NBC…
Slumdog911http://gdata.youtube.com/feeds/api/users/slumdog911Nonprofitconsumer, credit, card, debt, collection, academy, abuse, fine, print, eca, international, lcaCredit Card Debt Trap – Part 1 of 10 – Dateline NBC…
Duration : 0:5:21
Dave Ramsey – Credit Card/Debt Collectors are SCUM
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.
IT IS NOT AGAINST THE LAW TO OWE MONEY!
Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.
KNOW YOUR RIGHTS UNDER THE FDCPA:
Collectors can NOT call you before 8 am or after 9 pm
Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay
Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)
Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)
For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)
To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…
Duration : 0:5:56
