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Debt & Bankruptcy Lawyers & Attorneys

Details: A debt lawyer is someone with the knowledge, credentials and skill to help consumers struggling with debt sort through their financial troubles. Representing …

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Find a Reputable Bankruptcy Lawyer

Details: Avvo (avvo.com) and Martindale-Hubbell (martindale.com) are reliable ratings services for finding affordable bankruptcy attorneys. The state and local bar associations are also good resources; simply enter your state or city and the terms, “bar association” and …

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Bankruptcy Attorney: Do You Need One

Details: Lawyer fees for bankruptcy vary depending on which form you choose, how complex your case is and where you are geographically. The standard rate for a Chapter 7 bankruptcy is $1,500 and $3,500 for Chapter 13. Other costs include a filing fee ($338 for Chapter 7; $313 for Chapter 13); and fees for credit counseling and financial management

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Tips for Finding an Affordable Bankruptcy Attorney

Details: There may even be a lawyer or referral to a lawyer who will do the work pro bono. The local bar association should be able to guide you to the clinics; Google works as well. Pro bono legal services: The dream of all of us who face legal fees: Finding someone will do the work for free. Attorneys are encouraged to donate time to help those in need.

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Appealing a Social Security Disability Denial: Do You Need

Details: Except in rare cases, Social Security law limits the size of a lawyer’s payout to $6,000 or 25%, whichever is less. Win or lose, you also may be obligated to pay your attorney for costs incurred — primarily for mailing and/or copying, generally amounting to less than $200.

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Is It Possible to File Bankruptcy Online

Details: There are many benefits to both the client and lawyer for filing bankruptcy online: The client receives quicker notice of case activity, creating a longer time for responding to pleadings or motions; Lawyers can file documents 24 hours-a-day, 7-days-a-week. They don’t have to worry about whether the courthouse is open.

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Debt and Discrimination

Details: Debt and Discrimination. While banks and other lenders have the right and responsibility to gauge the financial fitness of any person that applies for a loan, several federal laws prohibit them from engaging in certain discriminatory practices against you or anyone else.

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How Much Does It Cost to File Bankruptcy

Details: Average Attorney Fee for Chapter 7 Bankruptcy: $1,450. A 2016 Martindale-Nolo study revealed that the average national average cost was $1,450 for Chapter 7 cases. The cost depends on where the case is filed. Chapter 7 fees generally range from a low of $1,000 to high of $1,750. Of course every case is different, and a number of factors can

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How to Get Rid of Debt Without Paying: Is it Possible

Details: You don’t have to have a lawyer for either proceeding, but bankruptcy laws and proceedings can get complicated, so it’s advisable. The average attorney fee for Chapter 7 is $1,250, though that varies by market. The average fee for Chapter 13 is $3,000, but that also varies.

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Fair Debt Collection Practices Act: What You Should Know

Details: If you hire a lawyer, he will send the collection agency a cease-and-desist letter and the collector must contact the attorney and not you. If you don’t have a lawyer, the collector can contact other people, but only to discover your address and phone number, or to find out where you work.

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Debt Collector Harassment: Stop Creditor Collection Calls

Details: Hiring a lawyer or sending a certified letter to the collection agency should stop harassing phone calls, but there is plenty of evidence that it does not always work. One reason is that collection agencies can resume contacting you if you don’t respond to …

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Types of Bankruptcies Explained: Chapter 7, 11 and 13

Details: Business bankruptcies typically fall into one of three categories. Two — Chapter 7 and Chapter 13 — are variations on the personal bankruptcy theme. Chapter 11 bankruptcy is generally for businesses that have hit a bad patch and might be able to survive if their operations, along with their debt, can be reorganized.

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Choosing the Right Debt Relief Company & Program

Details: There is no standard fee for a bankruptcy lawyer, but you should expect to pay around $3,000 for a chapter 7 case and as much as $6,000 for a chapter 13 bankruptcy. Bankruptcy has a do-it-yourself option, called filing “pro se”, but that is strongly discouraged.

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Understand Your Bankruptcy Options

Details: Do I Need a Lawyer; Consequences of Bankruptcy; Bankruptcy Articles; Court Ruling Favors Student Loan Bankruptcy Discharge October 2, 2020; COVID-19 Bankruptcies July 16, 2020; In Era of Trump, Has Bankruptcy Stigma Lost Its Sting? August 8, 2019; 3 Reasons To File For Bankruptcy June 22, 2015; Close; Mortgages. Mortgage Help. Refinancing a

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Chapter 13 Bankruptcy

Details: First, you should find a bankruptcy lawyer who can provide you with a free evaluation and estimate to file. The cost to file Chapter 13 bankruptcy consists of filing fees and fees charged by a bankruptcy attorney. Petitioners (or “debtors”) need to pay a $313 filing fee to the bankruptcy court. They also need to provide:

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Credit & Consumer Rights

Details: Do I Need a Lawyer; Consequences of Bankruptcy; Bankruptcy Articles; Court Ruling Favors Student Loan Bankruptcy Discharge October 2, 2020; COVID-19 Bankruptcies July 16, 2020; In Era of Trump, Has Bankruptcy Stigma Lost Its Sting? August 8, 2019; 3 Reasons To File For Bankruptcy June 22, 2015; Close; Mortgages. Mortgage Help. Refinancing a

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Annuities & Structured Settlements

Details: Do I Need a Lawyer; Consequences of Bankruptcy; Bankruptcy Articles; Court Ruling Favors Student Loan Bankruptcy Discharge October 2, 2020; COVID-19 Bankruptcies July 16, 2020; In Era of Trump, Has Bankruptcy Stigma Lost Its Sting? August 8, 2019; 3 Reasons To File For Bankruptcy June 22, 2015; Close; Mortgages. Mortgage Help. Refinancing a

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Bankruptcy Lawyers Predict Flood of Filings Due to COVID-19

Details: The storm is coming. American consumers will be filing personal bankruptcies in record numbers by the end of 2020.. That is the projection from bankruptcy attorneys, bankers and other experts who project that the COVID-19 era will lead to a historic financial tsunami. “Tsunami, hurricane, flood, bloodbath … there are a variety of words you could use,’’ Miami-based bankruptcy attorney

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Public Service Loan Forgiveness Program for Federal

Details: Any lawyer working full-time at any position for a city, county, state or federal government agency is eligible. Lawyers working for charitable non-profit organizations with 501 (c)(3) status qualify as do those working for community outreach programs. The key to qualifying for Public Service Loan Forgiveness as an attorney is to work full-time

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Divorce & Debt

Details: Steps to Guard Your Credit during a Divorce. Shove aside your apprehension for the moment, get online and order a credit report. Hidden debt can be overlooked in a divorce proceeding. With credit being offered online, a few simple keystrokes and a spouse can open an account in your name without your knowledge.

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Chapter 7 vs Chapter 13 Bankruptcy: What’s The Difference

Details: You don’t have enough money for a bankruptcy lawyer. You don’t have non-dischargeable debts that you’ll be stuck with even after bankruptcy. You can’t commit to at least a three-year repayment plan. When to Consider Filing Chapter 13 Bankruptcy. When is Chapter 13 right for you? You have too much money to qualify for Chapter 7.

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Cheap Bankruptcy: Options for Filing a Low Cost Bankruptcy

Details: Chapter 13 is a legitimate and effective way to file bankruptcy, but in almost all cases it will be significantly more expensive than Chapter 7. That is because Chapter 13’s complexities require hiring a lawyer. A Chapter 13 attorney typically can cost $3,000 and perhaps up to $4,000 or even $5,000 (or more) in extreme cases.

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Family Loan Agreements: Lending Money to Family & Friends

Details: If you cannot negotiate more reasonable loan terms privately, a lawyer might be able to either negotiate on your behalf to include part of the balance due in a debt settlement agreement or add it to a debt consolidation loan. It is important to take action before a judgment is entered in small claims court because the lending party can often

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Bankruptcy & Student Loan Discharge: Filing Student Loan

Details: One of the reasons so few student loan bankruptcy cases are successful is because more than 50% are filed by the borrower, who has no legal training or understanding of the court system. According to Austin, probably another 40% or more are pro bono cases, meaning the lawyer

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Patrick Best Certified Bankruptcy Specialist

Details: Attorney Best handles bankruptcies for individuals and businesses under Chapter 7, Chapter 11, Chapter 12, and Chapter 13 of the Bankruptcy Code. He hosts the YouTube show “Bankruptcy Basics” and is frequently featured in the media including US News & World Report. At present, Attorney Best serves clients throughout Pennsylvania, New Jersey

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Credit Counseling for Bankruptcy: What are the Requirements

Details: The agency offering the credit counseling must be approved by the U.S. Trustee Program office. The session must take place within 180 days before filing for bankruptcy. The counseling fee is about $50, and you can ask for the fee to be waived if you can’t afford it, or to pay it in installments. The credit counseling organization will provide

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Aggressive Debt Collectors Sued for Thousands of Dollars

Details: The story of Katzman’s troubles with three debt collection agencies is a familiar one – paperwork problem between doctors and an insurance company – though him receiving $1,700 for being harassed, is a little unusual. Katzman had a procedure done at a hospital in New York that he thought should have been covered by his insurance company.

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Comprehensive Glossary of Common Financial Terms and

Details: Here is a comprehensive glossary of common terms you’ll find when reading about these processes on our website or any financial paperwork. 401 (k): A type of employer-sponsored retirement account where employees may contribute a portion of their salary. Taxes are deferred until money is withdrawn. Certain programs match a percentage of

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Consequences of Bankruptcy: What Is the Downside of Filing

Details: That is the biggest factor in your credit score. The impact of bankruptcy lessens over time because some of your debt is reduced or discharged. That reduces your credit utilization ratio, which determines 30% of your credit score. FICO estimates it takes about five years for a score that was 680 to fully recover from a bankruptcy filing.

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What Does Foreclosure Mean for Your Home & for Your Debt

Details: Public Notice – A notice of foreclosure, or notice of default, is posted with the county clerk in the county where the property is, and the lender declares its intent to sell the property. This kicks off the foreclosure process. Foreclosure – The length of time varies depending on the state, but usually 120 days to nine months.

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Bankruptcy Court

Details: How a Bankruptcy Case Gets Started. A bankruptcy case normally begins with the debtor filing a petition with the appropriate bankruptcy court. The debtor is required to list assets, income, liabilities, and the names and addresses of all creditors and how much they are owed. The filing of the petition prevents, or stays, any debt collection

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Finding a Job in Your 40s & Beyond

Details: Do I Need a Lawyer; Consequences of Bankruptcy; Bankruptcy Articles; Court Ruling Favors Student Loan Bankruptcy Discharge October 2, 2020; COVID-19 Bankruptcies July 16, 2020; In Era of Trump, Has Bankruptcy Stigma Lost Its Sting? August 8, 2019; 3 Reasons To File For Bankruptcy June 22, 2015; Close; Mortgages. Mortgage Help. Refinancing a

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Bankruptcy Statistics up to 2021

Details: Bankruptcy filings hit an all-time high in 2005, when more than 2 million cases were started. In that year, one out of every 55 households filed for bankruptcy. The following year, bankruptcy filings dipped to about 600,000, the lowest point in 20 years. The vast majority of bankruptcies are now filed by consumers and not by businesses.

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Average Cost of College: Understanding True College Expenses

Details: Do I Need a Lawyer; Consequences of Bankruptcy; Bankruptcy Articles; Court Ruling Favors Student Loan Bankruptcy Discharge October 2, 2020; COVID-19 Bankruptcies July 16, 2020; In Era of Trump, Has Bankruptcy Stigma Lost Its Sting? August 8, 2019; 3 Reasons To File For Bankruptcy June 22, 2015; Close; Mortgages. Mortgage Help. Refinancing a

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2020-2021 Tax Brackets & Rates For Each Income Level

Details: Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers).

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Filing Chapter 11 Bankruptcy – How it Works & Who Can File

Details: Chapter 11 is the section of the bankruptcy code that allows businesses to reorganize their debts. It typically involves large sums of money, but individuals can also use it. They rarely do since Chapter 7 and Chapter 13 are usually quicker and cheaper. In fact, in the 12-month period that ended Sept. 30, 2017, there were 486,542 Chapter 7

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Financially Preparing for Divorce: What To Do & Who To Consult

Details: Unfortunately, not everyone can afford a lawyer. Fortunately, there are legal aid offices that offer free assistance, including for child custody and divorce cases. Congress established the Legal Services Corporation as an independent nonprofit in 1974 to provide financial support for civil legal aid to low-income Americans.

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What Is Chapter 7 Bankruptcy

Details: Your bankruptcy lawyer is always a good resource for what you should and shouldn’t do. Pros and Cons of Filing Chapter 7 Bankruptcy. Deciding to file for Chapter 7 bankruptcy is a big decision that shouldn’t be taken lightly. There are pros and cons of Chapter 7 bankruptcy,

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Medical Bankruptcy: What It Is & What You Should Know

Details: The basic rule there is your household income, minus reasonable expenses, must be less than your state’s median income. However, if you make less than the state’s median income, you don’t have to pass the means test. If you qualify, and most bankruptcy filers do, medical bills are among the debts you can have discharged.

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Chapter 7 vs. Chapter 11 Bankruptcy: Key Differences

Details: To recap, then: Chapter 7 is the least complicated of the various bankruptcy programs. It’s designed for low-income individuals or people with severely upside-down finances to quickly eliminate qualified unsecured debt like credit cards or medical bills. Chapter 11 is for businesses and individuals who need breathing room to reorganize their

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Credit CARD Act of 2009

Details: The Credit CARD Act of 2009 has saved consumers billions of dollars, and most of them probably don’t even realize it. The law is commonly called the Credit Card Bill of Rights, and with good reason. It mandates that credit card companies follow fair and transparent underwriting and pricing practices with their customers.

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Child Support – Financial Laws & Responsibilities

Details: Child support is a legal obligation that a biological parent has for providing for the basic living expenses of a child: food, clothing, shelter, health care and education. It is a noncustodial parent’s financial obligation to make monthly or periodic payments to a custodial parent. The responsibility applies when one parent no longer lives

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Rebuilding Credit After Bankruptcy

Details: The next step in rebuilding your credit score will be to obtain some sort of loan. Car loans after bankruptcy are a good starting point, especially a short-term one with affordable payments. Managing the dual responsibility of vehicle and credit card payments can boost your credit score.

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