Archive for July, 2007
By Kurt O'Keefe, Attorney at Law
closeAuthor: Kurt O'Keefe, Attorney at Law
Name: Kurt O'Keefe Michigan Bankruptcy Attorney
Email: koklaw@gmail.com
Site: http://www.koklaw.com
About: Solo practitioner, 29 years in practice, certified in Consumer Bankruptcy by the American Board of Certification, Michigan State Chair for the National Association of Consumer Bankruptcy Attorneys, over 150 members, Martindale-Hubble av rated (highest rating), lecturer for National Business Institute and NACBA in Michigan, Illinois, California, LouisiannaSee Authors Posts (95) on Jul 31, 2007 in General Bankruptcy Information | 0 Comments
The discharge is the goal of the bankruptcy process. The court issues it after the deadline for a creditor or the bankruptcy trustee to file a complaint expires. It basically means you are free from personal liability on all the debts incurred before you filed your bankruptcy petition.
It does NOT mean you can keep your [...]
By Eugene S. Melchionne, Connecticut Bankruptcy Lawyer
closeAuthor: Eugene S. Melchionne, Connecticut Bankruptcy Lawyer
Name: Eugene S. Melchionne, Connecticut Bankruptcy Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com/
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (87) on Jul 31, 2007 in General Bankruptcy Information | 0 Comments
The second most common mistake is not changing your lifestyle to match your finances. Once you have set your personal financial goals, now you have to figure out what changes to make to your lifestyle to achieve those goals. Does this mean a change in jobs or careers? Or does it mean [...]
By Jay Fleischman, New York Bankruptcy Lawyer
closeAuthor: Jay Fleischman, New York Bankruptcy Lawyer
Name: Jay Fleischman, New York Bankruptcy Lawyer
Email: jay@fclcny.com
Site: http://www.NYBankruptcyLitigation.com
About: Helping consumers in all counties of New York State. Call 800-235-2203 or visit my website to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you call.See Authors Posts (109) on Jul 31, 2007 in General Bankruptcy Information | 0 Comments
Card card issuers are constantly on the lookout for new ways to pump up their profits. They raise rates, charge new (and hidden) fees and punish card holders with unjust policies. In response, the Federal Reserve Board has proposed rules requiring issuers to disclose clearer information about rates and fees and 45 days’ (instead of [...]
By Andy Miofsky, Illinois Bankruptcy Attorney
closeAuthor: Andy Miofsky, Illinois Bankruptcy Attorney
Name: Andy Miofsky, Illinois Bankruptcy Attorney
Email: ndinstl@charter.net
Site: http://www.ABankruptcyLawyer.net/
About: Andy Miofsky [618/931-1313] is a consumer rights lawyer with offices in Granite City Illinois and Mount Vernon Illinois, representing debtors in bankruptcy throughout the Central and the Southern District of Illinois since 1979. He has filed suit for his clients against some of the largest banks and debt collectors in this country. He teachers consumers to fight back against debt collection violations and rewards them with settlement checks for their damages.See Authors Posts (133) on Jul 31, 2007 in General Bankruptcy Information | 0 Comments
So just who pays a servicer to service a home mortgage loan? Generally, the servicer earns a flat rate per each mortgage account in its portfolio. The servicer sends the borrower a monthly statement. Upon payment, the servicer applies funds to the account and forwards money to the investor. If payment [...]
By Wendell Sherk, Missouri Attorney
closeAuthor: Wendell Sherk, Missouri Attorney
Name: Wendell Sherk, Missouri Attorney
Email: wjsherk@alum.wustl.edu
Site: http://www.stlbankruptcy.com
About: I have been a bankruptcy attorney since 1989. Our firm represents consumers filing bankruptcy almost exclusively. My partner and I have each represented bankruptcy trustees as well as creditors. If you live in Eastern Missouri, visit our website, send an e-mail or give us a call (314) 781-3400. Please mention Bankruptcy Law Network.See Authors Posts (117) on Jul 31, 2007 in Bankruptcy Cases & Legislation, General Bankruptcy Information | 0 Comments
Creditors love arbitration. Arbitration is the place where consumer rights go to die. But once you file bankruptcy, your creditor-debtor issues go to the judge to decide, normally. Can the creditor force you to arbitrate a claim you have against them, rather than have the bankruptcy judge rule on it? The [...]
By Eugene S. Melchionne, Connecticut Bankruptcy LawyercloseAuthor: Eugene S. Melchionne, Connecticut Bankruptcy Lawyer
Name: Eugene S. Melchionne, Connecticut Bankruptcy Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com/
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (87) on Jul 30, 2007 in General Bankruptcy Information | 0 Comments
Rule #1, Have a personal financial goal and a plan to achieve it. The pressures of bills and getting the income to pay them typically cause you to lose sight of your personal financial goals.
The second thing I ask a new client is, “If I could wave a magic wand to make it happen, [...]
By Kent Anderson, Oregon Bankruptcy Attorney
closeAuthor: Kent Anderson, Oregon Bankruptcy Attorney
Name: Kent Anderson, Oregon Bankruptcy Attorney
Email: kent@kentandersonlaw.com
Site: http://eugenebankruptcylawyer.com
About: Admitted to practice in Oregon in 1978. Designated as a Consumer Bankruptcy Specialist by the American Board of Certification. Graduated from the Max Gardner Bankruptcy Litigation Bootcamp and the Peter Barry Fair Debt Collection Practices Act Bootcamp. Member of the National Association of Consumer Advocates. Years of experience in practice before the Internal Revenue Service and Oregon Department of Revenue has made me a valued referral source for accountants, tax preparers and other attorneys.See Authors Posts (90) on Jul 30, 2007 in Tax Issues In Bankruptcy | 0 Comments
The Internal Revenue Service regulates what lawyers (including bankruptcy lawyers) and Certified Public Accountants can tell their clients, at least when they are giving advice about certain tax matters. Lawyers and CPAs and Enrolled Agents are allowed to represent taxpayers in their dealings with the IRS. A government publication, Circular 230, lists the [...]
By Andy Miofsky, Illinois Bankruptcy AttorneycloseAuthor: Andy Miofsky, Illinois Bankruptcy Attorney
Name: Andy Miofsky, Illinois Bankruptcy Attorney
Email: ndinstl@charter.net
Site: http://www.ABankruptcyLawyer.net/
About: Andy Miofsky [618/931-1313] is a consumer rights lawyer with offices in Granite City Illinois and Mount Vernon Illinois, representing debtors in bankruptcy throughout the Central and the Southern District of Illinois since 1979. He has filed suit for his clients against some of the largest banks and debt collectors in this country. He teachers consumers to fight back against debt collection violations and rewards them with settlement checks for their damages.See Authors Posts (133) on Jul 30, 2007 in General Bankruptcy Information | 0 Comments
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 enhanced certain rights and procedures for the benefit of domestic support obligation [DSO] creditors. Section 101(14A) broadly defines DSO to include debts in the nature of alimony, maintenance or support. Section 523(a)(5) makes DSO debt non-dischargeable.
Along with these changes, 522(c)(1) included a clarification [...]
By L. Jed Berliner, Western & Central Massachusetts Bankruptcy Attorney
closeAuthor: L. Jed Berliner, Western & Central Massachusetts Bankruptcy Attorney
Name: L. Jed Berliner, Western & Central Massachusetts Bankruptcy Attorney
Email: jed@berlinerlaw.com
Site: http://www.berlinerlaw.com
About: Attorney L. Jed Berliner has concentrated his law practice in bankruptcy, commercial litigation, creditors' rights and debtor's remedies since 1982, having generally practiced since 1976. He opened the Berliner Law Firm of Springfield, Massachusetts in 1988 and now practices exclusively in consumer bankruptcy and related consumer protection litigation.
Attorney Berliner received his Bachelor of Arts Degree from Cornell University in 1972, and his Juris Doctor degree from the University of Kansas in 1977. He practiced general law in northern Michigan, established a bankruptcy concentration in Boston, MA in 1982, and established his Springfield, MA practice in 1988.
Attorney Berliner is a regular and active contributor to the Bankruptcy Law Network, the Bankruptcy Roundtable, and the National Association of Consumer Bankruptcy Attorneys, three specialized consumer bankruptcy forums on the Internet, and is an informal mentor to regional practitioners. He contributed to the local rules on electronic filing rules and is recognized by his peers as an expert in consumer bankruptcy issues. He thoroughly enjoys being rated "excellent" in his client surveys.See Authors Posts (147) on Jul 29, 2007 in General Bankruptcy Information | 0 Comments
Whether Chapter 7 or 13, your meeting will be at the TD Banknorth Center in Room 515 (fifth floor), 1441 Main Street, Springfield. If you are coming from Hampshire or Franklin County, get off at Exit 7 on Interstate 91 South. Turn left at the first traffic light. You will pass under [...]
By Douglas Jacobs, California Bankruptcy Attorney
closeAuthor: Douglas Jacobs, California Bankruptcy Attorney
Name: Douglas Jacobs, California Bankruptcy Attorney
Email: djacobs@jacobsanderson.com
Site: http://www.chicoattorney.com
About: Helping consumers in the following counties of California: Butte; Glenn; Tehama; Colusa; Yuba; Sutter; Plumas; Shasta; Lassen; Nevada; Placer and Sacramento. Call 530-342-6144 or visit my website to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you call."See Authors Posts (133) on Jul 29, 2007 in Benefits of Bankruptcy, General Bankruptcy Information | 0 Comments
Collection agencies often use incredible scare tactics to get consumers to pay debts. They threaten to garnish wages, put liens on houses, take vehicles, and clean out your bank account.
What they don’t tell you is that in order to do any of these things, they have to get a judgment from a court of law [...]
