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Consumer Bankruptcy Lawyer

May 31, 2010 By admin Leave a Comment

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Cheap Bankruptcy Lawyers - How to Quickly Find Them in 10 Minutes or Less

Author: Roilee Mandeville

Are you planning to file bankruptcy but you're not sure if you can afford to employ a lawyer? Everyone who is in bad debt problem would like to know how to find a cheap bankruptcy lawyer. Well, here's how to do it in ten minutes or less.

Online Resource #1:

Use Yahoo! Local located in local.yahoo.com

Key in the search phrase "cheap bankruptcy lawyers" in the first search field. Then key in your location on the second box and click the "Search" button or press "Enter". Yahoo! will then give you a result of attorneys that matches your search term. You will also see a map with markers on it. Click any of the marker and you will see the actual web site address, phone number, and local address . You can also perform the above procedure using Google Maps located in maps.google.com

Online Resource #2:

LexisNexis' Martindale-Hubbell Attorney Network located in www.attorneys.com

This is LexisNexis' online version of Martindale-Hubbell comprehensive lawyer directory. Under Step 1, key in your zip code. You need to click the [+] sign for Bankruptcy under the "All Areas of Law". It should expand, now select "Consumer Bankruptcy" and click the "Search" button. You should have your list of consumer bankruptcy lawyers. If the list is too few, then you can use the zip codes of adjacent cities near you.

Online Resource #3:

National Association of Consumer Bankruptcy Attorneys (NACBA) located in www.nacba.org

This is a exclusive organization dedicated to serving the needs of consumer bankruptcy attorneys and protecting the legal rights of consumer debtors in bankruptcy. When you visit the home page of NACBA, click the "Find attorneys near you!" banner located at the right sidebar. After the search page loads, key in your hometown or city and state in the search box. You must choose one radio button under the "Location (within)" label, for example 20 miles. Click the "Search" button. It should give you a location map with markers and a list of lawyers and law firms that are inside the area coverage that you selected. If the list is too many, you can narrow down the results by selecting a smaller area coverage under the "Location (within)" label, for example 5 miles.

Some Warning On Choosing A Bankruptcy Attorney

An attorney can either represent the creditor or the debtor. Make sure the bankruptcy attorney that you are getting is a "pro consumer" and not a "pro creditor." Remember that bankruptcy is not an easy matter, you do not want your attorney to miss the intricacies and complexeties that could save you money and property in the long run. Never assume that free or cheapest is better. Experience always counts.

A Quicker Solution:

Are the above procedures too difficult for you? If you do not have enough time to call and visit bankruptcy lawyers then try the simple 3-stage process of finding cheap bankruptcy lawyers. Check the instructions on how to easily locate your low-cost bankruptcy attorney using a free service located at http://www.bankruptcylawyersandattorneys.com/cheap-bankruptcy-lawyers.html

Article Source: http://www.articlesbase.com/bankruptcy-articles/cheap-bankruptcy-lawyers-how-to-quickly-find-them-in-10-minutes-or-less-650484.html

About the Author

Roilee Mandeville is the author of "Cheap Bankruptcy Lawyers: A Faster Way of Finding Them Online", a free 10-minute guide on how to quickly get a reasonably priced bankruptcy lawyer to prepare your bankruptcy petition.

Filed Under: Bankruptcy information Tagged With: , , , ,

Bankruptcy Court Information

May 29, 2010 By admin Leave a Comment

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Info About the Arizona Bankruptcy Courts and Their Rulings

Author: Kerry Ng

The Arizona bankruptcy courts have kept in line with the rest of the country to make sure that all claims are dealt with fairly and justly. Not everyone is able to file for bankruptcy and it's up to these courts to make sure that the system is not abused. The Arizona bankruptcy courts do have a web site that can provide people with all the information that they will need to begin investigating their claims and find guidance on the right places to look for this help.

Arizona Bankruptcy Court Information

The Arizona bankruptcy court has an up-to-date facility that uses the latest technology and devices to ensure that your case is dealt with professionally and within a strict guideline. They also provide headsets for those who have hearing disabilities as well as telephone and Internet facilities to access fast and up-to-date information. They can also provide remarkable presentation systems for court cases and kiosks for refreshments during your wait and court appearances; as well telephone and video conferencing facilities to help you with your case.

The Web site also contains information that can help you find information for the debtor and the creditor, as well as information on anything that affects your individual case. This can help you answer a lot of your own questions, thus saving you time as well as stress.

If you happen to require information or access to certain forms with regards to your case or publications that may help you in finding a solution, you may be able to access this data on the Arizona bankruptcy court Web site. The Web site will also show information on the court calendars as well as provide access to many of their online facilities.

The good thing about this web site is that the site is user-friendly with most of the information available at your fingertips when taking the steps towards filing for your bankruptcy. Whether you're an individual filing for bankruptcy or an organization that requires information with regards to clients who have filed for bankruptcy, the information is all there and readily available. This web site is filled with plenty of good facts and instructions and can be found at the following web address: http://www.azb.uscourts.gov/Default.aspx
This web site can also be translated into Spanish with a simple click of a mouse to make it easier for all who need access to this important information. As well, there are various links on the site that may help you with your bankruptcy case.

Article Source: http://www.articlesbase.com/personal-finance-articles/info-about-the-arizona-bankruptcy-courts-and-their-rulings-341910.html

About the Author

Kerry Ng is a successful Webmaster and publisher of The Personal Bankruptcy Tips Blog. For more great helpful information about personal bankruptcy visit The Personal Bankruptcy Tips Blog

Filed Under: Bankruptcy information Tagged With: , ,

Chapter 13 Bankrupcy

May 28, 2010 By admin Leave a Comment

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The Advantages of Chapter 13 Bankruptcy

Author: MIKE SELVON

Chapter 13 bankruptcy is often their best option for debtors who decide to stop collection efforts from their creditors but still want to repay their debts. People who have fallen behind in their mortgage payments often choose this option because it allows them a chance to "catch up" before their home is foreclosed upon. Filing for Chapter 13 will stop the collection efforts of all the creditors that the debtor lists on the petition and it allows them a variety of options for repayment, if they meet the eligibility requirements.

Foreclosures are the biggest reason that most people choose Chapter 13 bankruptcy rather than the more attractive Chapter 7. With Chapter 13, homeowners who face foreclosure proceedings can halt the legal actions by choosing this bankruptcy option.

A court appointed bankruptcy trustee will act on the behalf of the homeowner to make provisions with the mortgage company. The homeowner is then allowed to make their monthly mortgage payments with an extra amount each month until they have caught up on their delinquent payments.

Another thing that Chapter 13 bankruptcy affords to debtors is the opportunity to repay secured debts over a period. Oftentimes, the payment plans reduce the amount of the monthly payment that the debtor was paying. While Chapter 7 is the most popular option in bankruptcy, many people choose Chapter 13 because they feel a moral obligation to repay their debts.

This type of bankruptcy gives them the help that they need to negotiate with their creditors. It also provides some "wiggle room" for repaying debts with a timely schedule. Psychologically, this form of bankruptcy is less detrimental to people's self-images because they have fulfilled their financial obligations rather than simply having them completely discharged.

Chapter 13 bankruptcy is similar to entering into a debt consolidation loan, which is often an option many people exhaust before having their debts discharged by courts. Both instances involve the debtor giving the monthly payment to an appointed trustee. The trustee then relegates the payments to the creditors according to the agreement.

For purposes of getting a mortgage, many companies view both of these equally. In other words, a debt consolidation loan is the same thing as filing for Chapter 13 bankruptcy in the eyes of many mortgage companies. One advantage of these options is that the debtor does not need to have direct contact with the creditors who can have a significant negative impact on a person's self-esteem.

Many debtors might choose to file under Chapter 13 bankruptcy because they have loans that required co-signers. With this type of bankruptcy, the third parties are protected from the creditors. This means that the creditors can no longer pursue either party in an attempt to collect the debt. They must deal with the trustee that the court appointed to the particular case if they have any questions or concerns.

Bankruptcy was designed to offer consumers a fresh start after getting into a tough financial situation. Some people, however, prefer to repay their debts due to financial reasons or moral obligations. For these people, the courts offer Chapter 13 bankruptcy as a viable option.

Not only does it require the creditors to stop contacting the debtor, it also protects homes from foreclosures and third parties from legal recourse. Chapter 13 has several advantages for those who are trying to honestly fulfill their obligations.

Article Source: http://www.articlesbase.com/law-articles/the-advantages-of-chapter-13-bankruptcy-140161.html

About the Author

Mike Selvon is the owner of various niche portals. Our bankruptcy portal is a great resource for more information on the advantages of chapter 13 bankruptcy. While you are there don't forget to claim your free gift.

Filed Under: Chapter 13 Bankruptcy Tagged With: ,

Filing Bankruptcy Information

May 27, 2010 By admin Leave a Comment

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Real Bankruptcy information - How to file bankruptcy

Author: Alexander Travis

If you are thinking about filing bankruptcy, you must know how to declare bankruptcy.  Before you can file either Chapter 7 or 13, you must be able to pass under what is called a "means test". The means test identifies which people have the financial capacity to continue to pay a significant portion of their bills to creditors. The means test involves comparing the persons's income to the average income of the state or county in which the debtor resides. If the debtor's gross income is above the average, another set of calculations (based on ratios of debt to income) will identify whether he or she can file a Chapter 7 liquidation or Chapter 13 repayment case.

It does not matter where you are located, in order to file bankruptcy, there is a lot of paperwork to file. The bankruptcy process begins with the filing of a petition and many forms with the local bankruptcy court. These forms consist of itemized lists of all your assets, debts, income, expenses, as well as other very important personal background and financial information. In addition, you must file a certificate of credit counseling, tax returns (or transcripts) for the recent tax year; all tax returns that were filed with the IRS while your bankruptcy case is pending; copies of pay stubs or other proof of income received 60 days prior to filing; statement of currently monthly income and any reasonably anticipated changes in income or expenses after filing.

While in a Chapter 7 (liquidation) case, the bankruptcy court will appoint a trustee to represent the interests of your creditors. After a month or so from the date of the filing, you have to be present at a “meeting of creditors” in which the trustee will answer all questions regarding your assets, debts, and other financial information. Despite the name, banks and creditors hardly ever are at these meetings. Once finished with the meeting, the trustee liquidates the property that may be taken from you.  He or she will then take the cash and split it amongst the creditors. Once liquidation is done, the court will schedule one last hearing and discharge all debts. At this point, you no longer legally owe your creditors and they are forbidden from trying to collect anything from you.

A Chapter 13 (wage earner) bankruptcy case begins by filing the same papers as under a Chapter 7. In addition, you must file a workable plan for repaying your debts with the bankruptcy court, which will approve the plan. You start sending payments directly to the chapter 13 trustee shortly after filing. The trustee then pays your creditors according to the terms of the court-approved plan. When you have repaid your creditors according to the plan, a court hearing will be held and you will be discharged. The debtor is protected from lawsuits, garnishments, and other creditor actions while the plan is in effect.

Chapter 13 is often preferable to chapter 7 debt relief because it enables the debtor to keep a valuable asset, such as a house, and because it allows the debtor to propose a "plan" to repay creditors over time – usually three to five years. Chapter 13 is also used by consumer debtors who do not qualify for chapter 7  under the means test.

Article Source: http://www.articlesbase.com/debt-consolidation-articles/real-bankruptcy-information-how-to-file-bankruptcy-1744366.html

About the Author

Find more information on how to file bankruptcy at http://www.realbankruptcyinfo.com If you are interested in debt relief visit http://www.relieve-debt.com

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Chapter 13 Lawyer

May 26, 2010 By admin Leave a Comment

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New York Bankruptcy Lawyers: Chapter 7

Author: marryzalaa

Bankruptcy is a legally declared inability or impairment of ability of an individual or organizations to pay their creditors. Bankruptcy law provides for the development of a plan that allows a debtor to resolve his debts through the division of his assets among his creditors. This supervised division also allows the interests of all creditors to be treated with some measure of equality. Few bankruptcy law proceedings allow a debtor to stay in business and use revenue generated to resolve his or her debts.

Customer advocate site designed to tell you, the people what you need to know about this new law with words you can understand. Many people turn to a bankruptcy attorney for help. Bankruptcy Lawyers can help explain bankruptcy law and ensure that the bankruptcy process goes as smoothly as possible. When most people think of bankruptcy, they think in terms of Chapter 7, where the unsecured debts are normally discharged in full. Bankruptcy of any variety is a difficult or deal at best, but at least with Chapter 7, a debtor was able to wipe out their debts in full and get a fresh start. Chapter 13, however, is another story, since the debtor must pay back a significant portion of the debt over a 3-5 year period, with 5 years being the standard under the new law. Prior to the advent of the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," the most common reason for someone to file under Chapter 13 was to avoid the loss of equity in their home or other property. And while equity protection will continue to be a big reason for people to choose Chapter 13 over Chapter 7, the new rules will force many people to file under Chapter 13 even if they have NO equity. That's because the means test will take into account the debtor's income level.

Filing Bankruptcy is a difficult decision to make. In 2008 over 1 million Americans filed personal bankruptcy in order to improve their financial situation. Bankruptcy can help you prevent foreclosure of your home, stop debt collector harassment and get a fresh financial start.

However, the figures used by the court for living expenses are NOT your actual documented living expenses, but rather the schedules used by the IRS in the collection of taxes. A big problem here for most consumers is that their household budgets will not reflect the harsh reality of the IRS approved numbers.  So even if you think you are "safe," and will be able to file Chapter 7 because you don't have $100 per month to spare, the court may rule otherwise and still force you into Chapter 13. Some of your actual expenses may be disallowed. What remains to be seen is how the courts will handle cases where the cost of mortgages or home rentals are inflated well above the government schedules. Will debtors be expected to move into cheaper housing to meet the court's required schedule for living expenses? No one has any answers to these questions yet.

It will be up to the courts to interpret the new law in practice as cases proceed through the system. The two most common consumer bankruptcies are Chapter 7 and Chapter 13 bankruptcy. Sponsoring bankruptcy lawyers handle these types of bankruptcies exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Bankruptcy attorneys will fight to protect your rights and your property. Bankruptcy attorneys fight the aggressive and annoying creditors for you. They can help you keep your home, vehicles and other property. A bankruptcy lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.,

Article Source: http://www.articlesbase.com/bankruptcy-articles/new-york-bankruptcy-lawyers-chapter-7-1545458.html

About the Author

Storobin & Spodek LLP is a NY Chapter 7 law firm. If you are looking to speak to a Bankruptcy Lawyer New York, please call (800) 391-8392

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