http://bit.ly/YdiiRp Your plan payment depends on several factors, including: How much disposable income (DI) you have available for payments, how much money you need pay through your plan to get what you need (like saving your house), and how much you have in unexempt assets. Find out more!
Views: 8339 Richardson Law Offices
Your Chapter 13 case is, at its core, a 60 month math problem. Under Chapter 13 law we have a maximum of 60 months (5 years) to pay back your debts under the many rules set out in Chapter 13 of the United States Bankruptcy Code. As I note in this video, when I meet with a potential client I encourage that client to look at the next 5 years with “reality glasses.” Yes, you may get a bonus, extra pay from a part time job, or inherit money from an unexpected source. However, if you are sitting across the table from a bankruptcy lawyer, it is likely that positive financial events in your life have not happened. You should proceed in bankruptcy with the assumption that you will be lucky if your income and expenses stay the same, but the more likely scenario is that you will have to make do with less. Therefore, don’t look at Chapter 13 as a tool to maintain a set lifestyle or to keep all property. Look at Chapter 13 as a court supervised survival plan. Use the power of Chapter 13 to give up property you cannot afford, or to legally break installment contracts that will allow you to drive a cheaper car or live in a cheaper house. Less than 50% of Chapter 13 plans make it the full five years and end up with the debtor receiving a discharge. Increase the chances of getting the full benefit of a Chapter 13 discharge by entering your plan with a sense of reality. #chapter13bankruptcy #atlantabankruptcyattorney #chapter13plan #bankruptcylawyeratlanta =====FREE DEBT DESTROYER SURVIVAL KIT==== Don't know where to begin? Download my free "Debt Destroyer" Survival Kit at https://bit.ly/BK-survival-kit ========================================= ===========FREE CASE EVALUATION========== If you would like me to analyze your finances please contact me at https://bit.ly/Contact-Gins ========================================== ===============CONTACT ME================= Jonathan Ginsberg Atlanta Bankruptcy Attorney Website: https://www.atlanta-bankruptcy-attorney.com Facebook: https://www.facebook.com/ginsberglaw/ Telephone: 770-393-4985 https://bit.ly/Contact-Gins =========================================== **Click Below to SUBSCRIBE for More Videos: http://www.youtube.com/subscription_center?add_user=ginsbergbankruptcy
Views: 2729 Personal Bankruptcy Law Atlanta
We explain the Chapter 13 #bankruptcy process, including: #CreditCounseling, filing your bankruptcy petition and schedules, filing your Chapter 13 repayment plan, the confirmation hearing, and discharge of #debt. Subscribe: https://www.youtube.com/channel/UCY4QhGg-zwgUIthoK3EdyjA?sub_confirmation=1 Read the article: https://www.oflaherty-law.com/our-law-blog/chapter-13-bankruptcy-repayment-plans-explained More Learn About Law videos, podcasts, and articles: http://www.learn-about-law.com Schedule a Free Consultation or Learn More about O'Flaherty Law: http://www.oflaherty-law.com Please call us today at (630)324-6666 to schedule a free consultation. Like us on Facebook for weekly videos: https://www.facebook.com/oflahertylaw/ O'Flaherty Law has convenient offices located in Downers Grove, Elmhurst, Naperville, Tinley Park, St. Charles, and Lake in the Hills, Illinois, serving DuPage County, Will County, Cook County, Lake County and McHenry County. Its attorneys focus on providing quality legal work, above-and-beyond customer service, and affordable rates in the following practice areas: divorce & family law; estate Planning, wills & trusts; probate & estate administration; litigation, civil law & dispute resolution; business representation & corporate law; guardianship, elder law & special needs law; residential & commercial real estate law; immigration; bankruptcy; and DUI law and traffic & criminal defense.
Views: 1034 BLTV, Learn About Law, SeizeYourBusiness
In this video Kristy Hernandez talks about your options after filing for a chapter 13 bankruptcy. Did you know in some cases its favorable to try and get out of your bankruptcy early and settle remaining debt separately? Also if you already repaid tax debt and mortgage arrears off in your case, you may not need to stay in bankruptcy. www.khernandezlegalcom.
Views: 8831 Kristy Hernandez
Bankruptcy, whether Chapter 13 or Chapter 7, has some great and not-so-great things to consider before deciding to file. Watch this video to discover whether this strategy is right for your current financial situation. It's not for everyone, and not everyone will qualify for the most popular option, either. SHARE THIS VIDEO: https://youtu.be/TQ6JTRfw9AA WATCH MORE RELATED VIDEOS: https://goo.gl/uycUNd ∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷ For more tips on how to get out of debt, SUBSCRIBE ➤➤➤ http://bit.ly/1ZPZ8Q2 ∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷ ▼FOLLOW ME: LinkedIn - www.linkedin.com/in/debtbytes Google+ - http://plus.google.com/+MichaelBovee Twitter - http://twitter.com/debtbytes Facebook - https://facebook.com/consumerrecoverynetwork/ ▼READ OUR BLOG: http://consumerrecoverynetwork.com ▼FIND YOUR DEBT SOLUTION: http://consumerrecoverynetwork.com/debt-solutions-review/ ▼ASK ME ANY QUESTIONS YOU HAVE: http://consumerrecoverynetwork.com/ask-a-question/ (reader questions for our channel are selected from here) Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.
Views: 19912 Michael Bovee
We explain #Chapter13 #bankruptcy repayment plans, including the different classes of creditors, how each creditor must be treated under the payment plan, and how the length of the payment plan is determined. Check out the Learn About Law article on this topic: https://www.oflaherty-law.com/our-law-blog/chapter-13-bankruptcy-repayment-plans-explained Subscribe: https://www.youtube.com/channel/UCY4QhGg-zwgUIthoK3EdyjA?sub_confirmation=1 More Learn About Law videos, podcasts, and articles: http://www.learn-about-law.com Schedule a Free Consultation or Learn More about O'Flaherty Law: http://www.oflaherty-law.com Please call us today at (630)324-6666 to schedule a free consultation. Like us on Facebook for weekly videos: https://www.facebook.com/oflahertylaw/ O'Flaherty Law has convenient offices located in Downers Grove, Elmhurst, Naperville, Tinley Park, St. Charles, and Lake in the Hills, Illinois, serving DuPage County, Will County, Cook County, Lake County and McHenry County. Its attorneys focus on providing quality legal work, above-and-beyond customer service, and affordable rates in the following practice areas: divorce & family law; estate Planning, wills & trusts; probate & estate administration; litigation, civil law & dispute resolution; business representation & corporate law; guardianship, elder law & special needs law; residential & commercial real estate law; immigration; bankruptcy; and DUI law and traffic & criminal defense.
Views: 842 BLTV, Learn About Law, SeizeYourBusiness
Chapter 13 bankruptcy allows debtors to restructure debt, stop mortgage foreclosures, and block repossessions and wage garnishments. But Chapter 13 has a downside - it can last up to 5 years and limits your financial and lifestyle flexibility. In this video I discuss situations where Chapter 13 is not your best option and the factors to consider when evaluating bankruptcy relief. Please call us at 770-393-4985 if you need advice about your debt problems. Ginsberg Law Offices 1854 Independence Square Atlanta, GA 30338 770-393-4985
Views: 1835 Personal Bankruptcy Law Atlanta
When struggling to get out of debt, some people don’t realize that there are some clever ways to solve their debt problem. For example, in a Colorado Chapter 13 bankruptcy, someone can remove a second mortgage pay back income taxes to the IRS without penalties and interest, refinance cars by removing the negative equity, and obtaining a loan modificaiton Colorado Chapter 13 bankruptcy has a few “tricks”. First, Colorado Chapter 13 bankruptcy is a way to eliminate a second mortgage. If you own a home that is worth $225,000 with a first mortgage of $250,000 and a second mortgage of $75,000, the second mortgage of $75,000 can be removed. During the last recession, this legal remedy was employed by thousands of homeowners whose homes were “underwater”. Before you feel guilty about it, remember, this practice is permissible under federal law. The process only works if the value of your home is worth less than the balance of your first mortgage. If your home is worth $251,000, you would not be able to remove the second mortgage. Colorado Chapter 13 bankruptcy allows you to repay taxes without accruing future interest and penalties. Some taxes are dischargeable, which we’ll discuss later, but taxes from the last three years typically need to be repaid. A Colorado Chapter 13 bankruptcy is a way to pay your tax debt without incurring future penalties or interest. Again, the savings can be huge. Another benefit of Colorado Chapter 13 bankruptcy is the ability to refinance cars. Financing cars is generally a poor financial decision because you’re paying interest on an asset that depreciates. As a result, you are likely to owe more to the bank than what the car is worth. Colorado Chapter 13 bankruptcy allows a debtor to refinance a car to repay what the asset is worth instead of what is owed. Assume you have a car worth $7,500 and owe $14,000. Under Colorado Chapter 13 bankruptcy, you can pay off the car at $7,500 instead of $14,000. You can also lower your interest rate. I’ve been able to help my clients reduce interest rates from 24% to 5% under a Colorado Chapter 13 bankruptcy. That is a huge savings. One final benefit of a Colorado Chapter 13 bankruptcy is that you can qualify for a loan modification. A loan modification is a program that allows homeowners to lower their mortgage payment to 31% or less of their gross monthly income. The program suddenly gave hope to homeowners struggling to make mortgage payments or facing foreclosure. A loan modification involves your lender modifying your existing mortgage payment to make it affordable. A loan modification can change the interest rate, restructure the term of the loan, and remove delinquent fees. A loan modification also allows an adjustable rate mortgage to be converted into a fixed interest rate loan. The primary focus of a loan modification is reducing monthly payments to 31% or less of a person’s gross monthly income. For example, if your gross monthly income is $5,000 per month, then your mortgage payments should be $1,550 per month or less. If your mortgage consumes a higher percentage of your income, the goal of a loan modification is to reduce your monthly mortgage payment. A loan modification is not available to someone who just wants to lower his monthly mortgage payment. The homeowner must show proof of financial hardship that warrants a modification, such as a pending foreclosure, bankruptcy, etc. Once the application is received, the mortgage company will evaluate the homeowner’s income, debt, and hardship eligibility criteria. The best proof of financial hardship is by filing Colorado Chapter 13 bankruptcy or missing mortgage payments as this demonstrates the home may no longer be affordable. Such hardship can be caused by job loss, loan payment increase, decrease in income, divorce, medical expenses, etc. However, you don’t have to file Colorado Chapter 13 bankruptcy in order to qualify for a loan modification. Loan modifications are all the rage today and probably won’t be a long-term solution though. If it’s an option for you today, then take advantage of the opportunity now as there are some great benefits to obtaining a loan modification. If you want to find some clever ways to get out of debt such as filing Colorado Chapter 13 bankruptcy or obtaining a loan modification, then call Heupel Law to schedule a FREE consultation at (303) 955-7570. Heupel Law is located at 2440 Stout Street, Denver, CO, 80205. For more information about Heupel Law, visit www.HeupelLaw.com or watch this video again: http://youtu.be/Xu6A1BwW6xs
Views: 5671 Heupel Law, P.C.
In this episode, we discuss the differences between Dave Ramsey's debt snowball approach to eliminating debt and a chapter 13 bankruptcy approach, and what may be the best option for your situation. Check out John Skiba's Financial Coaching page here -- http://DebtFree.Coach Check out our online tutorials, forms, templates, and other debt fighting resources --- http://Legal.Coach
Views: 244 John Skiba
Many people anxiously await receipt of their income tax refunds to catch up on bills, take a vacation or make a long anticipated purchase. But can you keep your tax refund if you file Chapter 13? In the Northern District of Georgia, your tax refund may be at risk for seizure by the Chapter 13 trustee. Before filing, talk to your lawyer about what you can do to keep some or all of your refund and how to avoid tax refund seizure in the future. Not planning for your tax refund is only one of the 8 most common pre-bankruptcy mistakes - learn how to avoid all 8 mistakes here: http://goo.gl/r9Ls9 Ginsberg Law Offices represents honest, hardworking men and women in personal bankruptcy filings in the Northern District of Georgia. Visit our web site at http://www.atlanta-bankruptcy-attorney.com or our blog at http://www.thebklawyer.com/thebkblog. Jonathan Ginsberg Ginsberg Law Offices 1854 Independence Square Atlanta, GA 30338 770-393-4985
Views: 8639 Jonathan Ginsberg
Check out 609 Credit repair https://609creditrepair.com/ where we have credit repair letters that work and help you dispute items on your credit report! DON'T FILE FOR BANKRUPTCY? || WHY WOULD YOU FILE FOR CHAPTER 7 or CHAPTER 13 BANKRUPTCY? Unless you absolutely have not other choice, don't file for bankruptcy. I'm not a financial adviser, I'm just sharing my personal experience and experiences with others. HIRE US TO REPAIR YOUR CREDIT FOR YOU: https://theawesomelifegroup.com/ SUBSCRIBE:http://www.youtube.com/subscription_center?add_user=bweaver1 PAPERBACK of The Easy Section 609 Credit Repair Secret: Remove All Negative Accounts In 30 Days Using A Federal Law Loophole : http://amzn.to/2FviqTq FAQs: https://goo.gl/vRpnW8 A lot of the questions you have can all be answered in this frequently asked questions area, so be sure to give it a read first. If you buy $100 worth of bitcoin you and I both get $10 in FREE bitcoin with this link: https://www.coinbase.com/join/59fa301581be910201b13ef1 Try Robinhoood app and get a free share of stock: http://share.robinhood.com/brandow976 SOCIAL MEDIA WEBSITE: https://609creditrepair.com/ INSTAGRAM: http://instagram.com/brandonaweaver FACEBOOK: fb.me/thebrandonweaver TWITTER: https://twitter.com/brandon_weaver IMDB: http://www.imdb.com/name/nm2358555 SUBSCRIBE:http://www.youtube.com/subscription_center?add_user=bweaver1
Views: 6732 Brandon Weaver
Explanation of a Chapter 13 Plan by Attorney Richard Smeloff of Smeloff and Associates Law Offices. Offices located in Milton at Braintree/Quincy Split, Fall River, Hyannis, Kingston, New Bedford, Taunton and Worcester. Call 1 (800) 449-1979 Day or Night or Weekends, consultation is free!
Views: 5233 Jane Smeloff
Chapter 13 bankruptcy functions as a payment plan during which you are protected from creditors while you make payments to a Chapter 13 trustee. These payments are disbursed monthly by the trustee to your creditors based on a payment schedule set out in your court approved Chapter 13 plan. Your plan, which must withstand objections by creditors and the trustee, may provide for 100% payment of your creditors, or it may provide for something less. Priority creditors like the IRS or Georgia Department of Revenue, usually get paid at 100%. Secured creditors like vehicle lenders and jewelry finance companies usually get paid at or close to 100%. Unsecured creditors get the least priority and often get paid at less than 100%. If you successfully complete your plan, the bankruptcy judge will issue an order declaring that you are debt free - your plan payments have satisfied in full your obligations. Any discharged debt is forever extinguished. However, there are some debts that will survive your bankruptcy. Here are the most common: mortgage debts - mortgage debt is considered long term debt in that it is not practical to pay the balance of your mortgage within the five year term of a Chapter 13 plan. Therefore, your plan will likely provide that you are to make ongoing mortgage payments “outside your plan” in addition to your plan payments that cover other debts. When your plan is over and you get your discharge, you remain obligated to continue paying your mortgage. vehicle leases - since a lease is, in essence, a rental, it is not a debt. Instead it is more of a budget item like a utility bill, rent or insurance. If you want to keep your leased vehicle you must make your regular ongoing payment directly to the lessee during and after your plan student loans - as discussed in this video, student loans are a hybrid kind of debt. They are unsecured but also non-dischargeable per the Bankruptcy Code. Most of the time, we provide for direct payment of student loan debt in the Chapter 13 plans we create for our clients. Co-signed debt - if you have a co-signer on your credit card or other unsecured debt, and your plan provides for 25 cents on the dollar to unsecured creditors your Chapter 13 discharge will eliminate the other 75% of that debt as to you, but not your co-signer. To the extent that your co-signer remains stuck with the unpaid portion of this debt, it survives bankruptcy as to your co-signer. Unlisted debt - if you did not include a creditor in your Chapter 13 case, that creditor does not have the opportunity to object to or otherwise participate in your Chapter 13 repayment plan. As such, in many cases, that unlisted creditor would have an argument that its debt survives the bankruptcy. These cases tend to turn on the facts of the particular case but suffice it to say that omitting a creditor can create problems for you. Want more information about Chapter 7 practice and procedure in the Northern District of Georgia. Call Ginsberg Law Offices at 770-393-4985 or visit our web site at http://www.atlanta-bankruptcy-attorney.com Jonathan Ginsberg Ginsberg Law Offices Atlanta Bankruptcy Lawyers 770-393-4985
Views: 4745 Personal Bankruptcy Law Atlanta
Benefits of filing chapter 13 include: Stripping down second mortgage, craming down car loan, stays on your credit report for only 7 years compared to chapter 7 (there it is 10 years). Can be filed to top foreclosure and repossession. And has same benefits as chapter 7. Find more information about chapter 13 bankruptcy in our blog post written by St. Charles bankruptcy lawyer Tobias Licker at http://www.lickerlawfirm.com/blog/who-will-benefit-from-filing-chapter-13.cfm
Views: 632 Lickerlawfirm
This video is about what happens when you file Chapter 13 and you still have significant equity in your property. There are tests that you have to satisfy in order to get a discharge under Chapter 13, (where you're making a monthly payment to a Chapter 13 trustee who will then distribute the money he or she collects to your creditors.) You will have to prove that you're going to pay at least as much to that Chapter 13 trustee over the life of your plan as you would pay if you were in a Chapter 7 case: this is called the best interest of creditors test. What we do is we take the value of your property; we deduct the secured claims; we deduct the amounts of the exemptions that you're allowed to take under the applicable law; and whatever is left is the equity in your property that you effectively have to buy back from your creditors over the life of your plan. This is a very important and useful tool so that you can keep your property and still get a discharge of your debt. Related videos: Should I remove my name from my parents' bank accounts before filing bankruptcy? Should I Reaffirm My Home Mortgage In Bankruptcy? https://www.youtube.com/watch?v=Y9__8eHAWu8 https://www.youtube.com/watch?v=-lYUDXYR384 Thoughts from a Maryland Bankruptcy Lawyer Ronald J. Drescher Drescher & Associates, P.A 4 Reservoir Circle Suite 107 Baltimore, MD 21208 (410) 484-9000 Fax (410) 484-8120 Rondrescher@Drescherlaw.com http://www.Drescherlaw.com FaceTime email@example.com Skype ron.drescher Practicing in Maryland, Delaware, Virginia, Pennsylvania
Views: 531 Drescher & Associates, P.A.
Learn from attorney Justin Lawrence how to approximate what your payments may be during a Chapter 13 Bankruptcy. Factors in this calculation include: Is your Chapter 13 a Three year or Five year? How much Secured Debt do you have? How much do you owe in Taxes, Child Support & Alimony? What is your Disposable Monthly Income? aka: DMI Please visit us at http://www.LawrenceLaws.com/ for more videos, more information on this subject, and the legal help you have been looking for! The law firm of Lawrence & Associates, LLC proudly serves your legal needs in the Northern Kentucky and Southern Ohio areas for Personal Injury, Workers' Compensation, Bankruptcy & Social Security Disability. Justin L. Lawrence of Lawrence & Associates, LLC
Views: 1921 Lawrence & Associates
Sometimes chapter 13 bankruptcy clients of mine will come into some money or have a family member that is willing to loan them some money to pay off the amount owed under their chapter 13 bankruptcy plan. In this video I discuss when that can and can’t work.
Views: 2993 John Skiba
Utah bankruptcy attorney Robert S. Payne discusses how you calculate a chapter 13 plan payment.
Views: 7308 Robert Payne
http://www.usdaloanpro.com/blog/soon-can-qualify-mortgage-chapter-13-bankruptcy/ How soon can you qualify for a mortgage after a Chapter 13 Bankruptcy? With USDA, FHA, VA, or Conventional loans Chapter 13 Bankruptcy waiting periods can be more flexible when compared to Chapter 7. In today’s video I will explain the differences and qualifying advantages between each program side by side. Additionally, because of the required repayment period under a Chapter 13, underwriting guidelines are more flexible with how soon a potential buyer can qualify after discharge. Here are the standard Chapter 13 Bankruptcy qualifying guidelines for VA, USDA, FHA, & Fannie Mae: Conventional loans under Fannie Mae: 2 years from the discharge date USDA, FHA, and VA Loans will allow financing immediately upon completion of the Chapter 13 repayment plan, which means there is no additional waiting period needed after the discharge date! Now, due to the short time allowed for mortgage qualifying after completion of a Chapter 13 bankruptcy, more stringent manual underwriting guidelines may apply and additional review will be needed to determine eligibility. When trying to qualify for an FHA loan after a Chapter 13 bankruptcy, remember to be cautious about subsequent deed transfer dates when there was a mortgage included in a bankruptcy, because while FHA bankruptcy guidelines apply after the Chapter 13 discharge date, FHA will then restart their three year foreclosure waiting period from the date the deed officially transfers out of the homeowner’s name! Thankfully, USDA, VA, and Fannie Mae guidelines are more lenient when a mortgage was included with a bankruptcy and do not restart the foreclosure waiting period based on the deed transfer date. http://www.USDALoanPro.com Download our FREE USDA Blueprint for Success! http://www.usdaloanpro.com/blue-print-for-success/ GET MORE INSIGHTS More ProTips from USDA Loan Pro: Subscribe on YouTube: http://www.youtube.com/subscription_center?add_user=MetroplexMortgage Website: http://www.usdaloanpro.com Facebook: https://www.facebook.com/MetroplexMortgage Twitter: https://twitter.com/USDALoanPro
Views: 1415 Metroplex Mortgage Services
Chapter 13 is widely known as the fastest and most effective legal action you can use to stop a foreclosure - even a foreclosure scheduled for the next few days. In this video, I explain how Chapter 13 works and why you can feel confident that your Chapter 13 filing will not only stop a pending foreclosure, but it will provide a method by which you can catch up your missed mortgage payments over the next 5 years. In many cases, Chapter 13 can also reduce your monthly expenses and eliminate high rates of interest. Often, it can reduce your total debt load as well. Does Chapter 13 make sense for you? Seek legal advice from a knowledgeable consumer bankruptcy lawyer as bankruptcy filings are not “do it yourself” projects. =============================================== **Click Below to SUBSCRIBE for More Videos: http://www.youtube.com/subscription_center?add_user=BankruptcyLawNetwork =============================================== Jonathan Ginsberg Member, Bankruptcy Law Network http://www.bankruptcylawnetwork.com
Views: 1440 Bankruptcy LawNetwork
If you have considered filing for bankruptcy, you will need to decide which type of bankruptcy to file. Humans (as opposed to corporate entities) have three choices: Chapter 7, Chapter 13 or Chapter 11. As I discuss in this video, Chapter 7 or Chapter 13 serve as the best choices for almost everyone. An individual can file Chapter 11, but this would only be a good choice if you owe hundreds of thousands of dollars and need to reorganize. Chapter 11 is often a good choice for businesses that want to remain open but need breathing room and protection from creditor actions. Chapter 7 generally works well if you earn a modest paycheck and most of your debt is unsecured, like credit card, medical debt or personal loans. Chapter 13 makes more sense if your earnings are more substantial, or if you are trying to save your house from foreclosure or car from repossession. The bankruptcy laws have become very complex and for every rule there can be an exception. Much of the information freely available on the Internet is either incorrect or outdated. No website (or video for that matter) can serve as a substitute for a meeting with a lawyer experienced in bankruptcy practice in your city or town. If you live in Atlanta, Rome, Gainesville or Newnan, Ginsberg Law can help you. Jonathan Ginsberg and Susan Blum have been representing bankruptcy clients for well over 20 years and we can help you make an informed decision about how to deal with debt issues. Please reach out to us by phone at 770-393-4985 or by email at firstname.lastname@example.org. =====FREE DEBT DESTROYER SURVIVAL KIT==== Don't know where to begin? Download my free "Debt Destroyer" Survival Kit at https://bit.ly/BK-survival-kit ========================================= ===========FREE CASE EVALUATION========== If you would like me to analyze your finances please contact me at https://bit.ly/Contact-Gins ========================================== ===============CONTACT ME================= Jonathan Ginsberg Atlanta Bankruptcy Attorney Website: https://www.atlanta-bankruptcy.com Facebook: https://www.facebook.com/ginsberglaw/ Telephone: 770-393-4985 https://bit.ly/Contact-Gins =========================================== **Click Below to SUBSCRIBE for More Videos: http://www.youtube.com/subscription_center?add_user=ginsbergbankruptcy
Views: 1643 Personal Bankruptcy Law Atlanta
We discuss the difference between #Chapter13 #bankruptcy and #Chapter7 bankruptcy, when does it make sense to file a Chapter 13 bankruptcy rather than a Chapter 7 bankruptcy, and what are the eligibility requirements for a Chapter 13 bankruptcy? Check out the Learn About Law article on this topic: https://www.oflaherty-law.com/our-law-blog/when-to-file-a-chapter-13-bankruptcy-chapter-13-bankruptcy-vs-chapter-7-bankruptcy Subscribe: https://www.youtube.com/channel/UCY4QhGg-zwgUIthoK3EdyjA?sub_confirmation=1 More Learn About Law videos, podcasts, and articles: http://www.learn-about-law.com Schedule a Free Consultation or Learn More about O'Flaherty Law: http://www.oflaherty-law.com Please call us today at (630)324-6666 to schedule a free consultation. O'Flaherty Law has convenient offices located in Downers Grove, Elmhurst, Naperville, Tinley Park, St. Charles, and Lake in the Hills, Illinois, serving DuPage County, Will County, Cook County, Lake County and McHenry County. Its attorneys focus on providing quality legal work, above-and-beyond customer service, and affordable rates in the following practice areas: divorce & family law; estate Planning, wills & trusts; probate & estate administration; litigation, civil law & dispute resolution; business representation & corporate law; guardianship, elder law & special needs law; residential & commercial real estate law; immigration; bankruptcy; and DUI law and traffic & criminal defense.
Views: 395 BLTV, Learn About Law, SeizeYourBusiness
If you're interested in filing a bankruptcy in Arizona or have questions, please call at 480-968-3100 or visit our website at http://mcdonaldlawaz.com This Bankruptcy Law Firm is a federally designated Debt Relief Agency as defined in the 2005 amendments to the US Bankruptcy Code. This law firm provides legal advice regarding filing bankruptcy and represents individuals in filing for bankruptcy relief under the US Bankruptcy Code.
Views: 4734 McDonald Law
If you receive a Motion to Dismiss in a Chapter 13 bankruptcy, do not panic! Forgotten documents, no proof of insurance, or the loss of a job are a few of the many reasons why this can happen. These are all issues that can most often times be resolved without having to appear in court.
Views: 2497 mayerandnewton
It appears times are rough Lil Kim. According to legal documents obtained by The Blast, the rapper filed for chapter 13 bankruptcy last month and has accumulated more than $4 million in debt. Kim reportedly owes about $2 million on a loan for her home in New Jersey, $186,000 for legal fees, as well as $1,845,451 in back taxes ($1,469,105 in unpaid federal taxes from 2004-2017, and $376,346.74 in unpaid state taxes from 2004-2017). Kim claims she has a total of $2,573,300 in assets and earns about $18,286 in monthly income—$12,784 of which goes towards expenses. Queen Bee has offered to pay her creditors $5,500 every month for the next five years, and has also proposed to sell her New Jersey home to repay her debts; but according to The Blast, a trustee for the bankruptcy has already opposed her plan. A hearing is scheduled for July. Subscribe to Complex News for More: http://goo.gl/PJeLOl Watch 'Complex Live' on Go90 here: https://www.go90.com/shows/11cHKK3D2iU Check out more of Complex here: http://www.complex.com https://twitter.com/Complex https://www.facebook.com/complex https://www.instagram.com/complex/ https://plus.google.com/+complex/ COMPLEX is a community of creators and curators, armed with the Internet, committed to surfacing and sharing the voices and conversations that define our new America. Our videos exemplify convergence culture, exploring topics that include music, sneakers, style, sports and pop culture through original shows and Complex News segments. Featuring your favorite celebrities, authoritative commentary, and a unique voice, our videos make culture pop.
Views: 23933 Complex News
What happens to your credit card debt when you file Chapter 13? Most people know that unsecured debt like credit cards, medical bills and signature loans are wiped out in a Chapter 7 straight bankruptcy. But if Chapter 13 functions as a repayment plan, what happens to these signature type loans? Do you end up paying back your unsecured creditors in full in your Chapter 13? As revealed in this video, the answer is “no,” you rarely pay your unsecured creditors in full as part of your Chapter 13 repayment plan. In fact, you may be able to pay as little as one penny on the dollar. Chapter 13 often saves you thousands by reducing your total debt, and it makes your budget liveable by reducing your monthly payments. If you would like to learn how a Chapter 13 might be able to help you, please call Susan Blum or Jonathan Ginsberg of Ginsberg Law Offices. We can be reached directly at 770-393-4985. Ginsberg Law Offices http://www.atlanta-bankruptcy-attorney.com Atlanta area bankruptcy lawyers 770-393-4985
Views: 1154 Personal Bankruptcy Law Atlanta
http://www.DuncanLawOnline.com Duncan Law, PLLC is a bankruptcy law firm with offices in Charlotte, NC and Greensboro, NC. This video explains the typical timeline of a Chapter 13 bankruptcy including the creditors' meeting. To learn more, visit our website.
Views: 592 Damon Duncan
www.smllplawfirm.com. Learn important facts about California Chapter 13 bankruptcy filings! Call 909-635-3222 for free consultation!
Views: 469 Lawrence Jacobsen
If I file Chapter 13 bankruptcy, how long will I have to wait to get a new credit card? In this video Memphis bankruptcy attorney answers your questions about credit cards after filing Chapter 13. Learn more at http://darrellcastle.com We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code. Nothing on this web site is intended to create an attorney client relationship. Such a relationship can only be created through personal contact and a signed attorney/client retainer agreement with the attorneys of the Law Firm of Darrell L. Castle and Associates.
Views: 2267 Darrell Castle & Associates - YouTube Channel
What is the difference between a Chapter 7 and Chapter 13 bankruptcy? As an overview Chapter 7 bankruptcy is called liquidation bankruptcy where any non-exempt asset would be liquidated. In chapter 13 if you have non-exempt asset, you can keep them by agreeing to a payment plan with the court by paying a certain percentage of your debt. For consultations or inquiries with Marc Duxbury, Carlsbad, San Diego, Ca Attorney, you can call us at: (951) 225-1604.
Views: 1625 Marc Duxbury
http://laniganpl.com/2012/08/22/video-explains-chapter-7-vs-chapter-13-bankruptcy/ (Winter Park, Florida) Eric Lanigan explains some of the base differences in bankruptcy Chapter 7 and Chapter 13. Everyone wants to know when is it preferable to file a Chapter 13 Bankruptcy instead of Chapter 7 Bankruptcy? This video offers five financial situations that you may be in that will be a part of your bankruptcy decision. Chapter 13 bankruptcy or Chapter 7 bankruptcy may be confusing if you don't understand the basics. (Winter Park, Florida) bankruptcy attorney Eric Lanigan explains the top 5 deciding factors to determine which type of bankruptcy to file. Reasons: No. 1: You're behind in your mortgage or your car payment. No. 2, you have a tax obligation or student loan. No. 3, you have non-exempt property. No. 4, you have a co-debtor on your debt. No. 5, you own investment or rental property. Bankruptcy filing can be confusing. Contact the law firm of Lanigan & Lanigan, P.L., and find out what's right for you. There are several steps to determine this and the Lanigans will give you information so that you can decide whether to file Chapter 7 or Chapter 13 bankruptcy. Call if you would like to schedule a consultation (407) 740-7379. Parking is available on-site in the back of Lanigan & Lanigan law offices which are located at 831 W. Morse Ave., (Winter Park, Florida).
Views: 5632 Lanigan&Lanigan
What does it mean if you receive a Motion to Dismiss your Chapter 13 case from the Chapter 13 trustee? First, understand that a motion to dismiss is not the same thing as an order from the judge actually dismissing your case. The trustee has filed a motion to dismiss because (a) there is a delinquency in your payments; and/or (b) your plan is running longer than 60 months. As discussed in this video, you and your lawyer will have an opportunity to resolve the trustee’s motion and keep your case alive. Chapter 13 bankruptcy is all about second chances and motions to dismiss are no different. In this video I discuss how we go about fixing whatever problem the trustee has identified and entering into a consent order that allows for the denial of the trustee’s motion. Want to know more about how Chapter 13 bankruptcy works in the real world? Visit the Ginsberg Law web site at http://www.atlanta-bankruptcy-attorney.com or our blog at http://www.thebklawyer.com/thebkblog. Please also subscribe to our YouTube channel at http://bit.ly/subscribeBNK.
Views: 2633 Personal Bankruptcy Law Atlanta
What is Chapter 13 Bankruptcy? Virginia bankruptcy lawyer John G. Merna explains the power of Chapter 13 bankruptcy to reorganize your debt, stop foreclosure, garnishments, lawsuits. Merna has been a Virginia bankruptcy lawyer for over 20 years. For more information visit www.mernalaw.com or call 1-800-662-8813. Offices serving Richmond, Virginia Beach, Newport News and surrounding areas including Chesapeake, Hampton, Portsmouth, Norfolk, Suffolk, Yorktown, Williamsburg, Henrico & Chesterfield.
Views: 704 Merna Law
Credit card debt, like all other debts you owe, must be included in your Chapter 13 bankruptcy petition. However, unsecured credit card debt is the lowest priority debt you can have and it gets the least favorable treating in your Chapter 13 plan. Your Chapter 13 repayment plan will pay different classes of creditors based on their priority as set out in the Bankruptcy Code. Tax debt, for example, is considered a high priority debt and will be paid 100%. Missed mortgage payments and payments to car lenders for a recent vehicle purchase will be paid at 100%. Credit card debt is the lowest priority debt and can be paid as little as 1 penny on the dollar. Further, credit card lenders are not entitled to interest payments and they get paid after everyone else. This means that Chapter 13 can sometimes wipe out 99% of credit card debt. Or you may end up paying a higher percentage depending on the repayment plan we present. If you are struggling with any type of debt, credit card or otherwise, and you would like honest, straightforward advice about what to do, we would be happy to advise you. =====FREE DEBT DESTROYER SURVIVAL KIT==== Don't know where to begin? Download my free "Debt Destroyer" Survival Kit at https://bit.ly/BK-survival-kit ========================================= ===========FREE CASE EVALUATION========== If you would like me to analyze your finances please contact me at https://bit.ly/Contact-Gins ========================================== ===============CONTACT ME================= Jonathan Ginsberg Atlanta Bankruptcy Attorney Website: https://www.atlanta-bankruptcy.com Facebook: https://www.facebook.com/ginsberglaw/ Telephone: 770-393-4985 https://bit.ly/Contact-Gins =========================================== **Click Below to SUBSCRIBE for More Videos: http://www.youtube.com/subscription_center?add_user=ginsbergbankruptcy
Views: 358 Personal Bankruptcy Law Atlanta
Amen Osiris Exposes proves the dangers of paying 250 + 685 +400 filing a chapter 13 bankruptcy. One you file it you swear under oath that you actually owe the debt and you will be required to pay it. !
Views: 1897 Amen Osiris
Concerned about what will happen to your Chapter 13 Bankruptcy if you cannot make the payments on time. Matt McArthur, Esq., explains what happens next.
Views: 194 Clear Counsel Law Group
http://www.theperfectbusinessforyou.com/1581/best-biz/blexp030915howtofilech13 - How to File for Bankruptcy Chapter 13 Information in this video should not be taken as legal advice. Before taking any action, you should consult with an experienced bankruptcy attorney near you to learn about your rights and responsibilities in bankruptcy. How to file for bankruptcy chapter 13 - Start by going to your local bankruptcy court or go to the bankruptcy court website and obtain all forms and instructions for filing a chapter 13 bankruptcy. Carefully read and follow all instructions for completing all necessary forms. Once you're done, take your signed forms to the bankruptcy court and file your case. You will need to pay a filing fee to the court. If you cannot afford your filing fee, then you can file an application with the court requesting a waiver of the filing fee. If you qualify, the filing fee will be waived. Chapter 13 bankruptcy is not an easy process and you would be wise to consult with an experienced bankruptcy attorney before proceeding with your case. https://www.youtube.com/watch?v=n9ql6fIYEj4
Views: 2656 Joon Khang
http://www.bankruptcyattorneys-georgia.com Bankruptcy Law Paralegal Jennifer Miller explains the value in the Chapter 13 Repayment Plan.
Views: 328 Ducere Investment Group
Because your Chapter 13 functions as a payment plan, it stands to reason that your plan will not work if you do not make regular payments to your Chapter 13 trustee. How and when you make those payments are set out in the federal bankruptcy law and by local rules of court. In this video I reveal what you need to know about making your plan payments - when you have to start paying and what happens if you fall behind. Bankruptcy is all about second chances and that holds true to a point when it comes to making your Chapter 13 plan payments but if you want your reorganization to work, make your payments to the Chapter 13 trustee a priority. Want to know more about how Chapter 7 or Chapter 13 bankruptcy can help you? Visit the Ginsberg Law web site at http://www.atlanta-bankruptcy-attorney.com or our blog at http://www.thebklawyer.com/thebkblog. Please also subscribe to our YouTube channel at http://bit.ly/subscribeBNK.
Views: 1605 Personal Bankruptcy Law Atlanta
NO INFORMATION OR MATERIALS CONTAINED HEREIN ARE INTENDED TO CONSTITUTE LEGAL ADVICE, AND IS NOT APPLICABLE TO ANY SPECIFIC SET OF FACTS, ESPECIALLY AS TO ANY INDIVIDUAL'S PERSONAL SITUATION. THIS MATERIAL IS PROVIDED AS INFORMATIONAL INSTRUCTION AS TO GENERAL LEGAL INFORMATION, OPINIONS OR RECOMMENDATIONS ABOUT POSSIBLE LEGAL RIGHTS, REMEDIES, DEFENSES, PROCEDURES, OPTIONS OR STRATEGIES BUT NOT SPECIFIC ADVICE RELATED TO ANOTHER PERSON'S FACTS AS SET FORTH IN UT 14-802(C)(2) Bankruptcy Lawyers Provo Utah. Visit http://www.provoutahbankruptcylawyers.com/ or call us at (801) 701-2030 for more information about filing bankruptcy in Provo, UT. In this video, Corey discusses what is a chapter 13 bankruptcy. For more bankruptcy help, visit http://www.provoutahbankruptcylawyers.com/ Provo Bankruptcy Questions and Answers What is a Chapter 13 bankruptcy? If you've been thinking about bankruptcy and you want to know what a Chapter 13 is, here's the most important part -- this is what you need to know. If you're trying to save an asset, if you're trying to save a house, a car, or perhaps you're trying to protect an asset, you might have what we call a "non-exempt asset". Now that's another video, we're not going to talk about what is and what isn't exempt. But you have something that is not protected --which by the way is very few things, don't get stressed out by that-- by the bankruptcy code. And so what you're trying to accomplish by filing a Chapter 13 is you're trying to work out with the creditor a way to set up the payments in a way that you can afford with your current income situation. It's most applicable to somebody who might have recently gone through a job change or their income level dropped for whatever reason --it could be downsizing, it could be a cut in the hours that's temporary, it could be that your job is seasonal-- there are a lot of different reasons if your pay changed but it hasn't gone away. If you still have the ability to pay in some way shape or form than a Chapter 13 might be exactly what you're looking for so that you're able to maintain what it is you've built up but on slightly different terms. Now the way that happens is when the Chapter 13 is filed, you and your lawyer will actually go through and determine what those terms are. So the great thing about a Chapter 13 is a lot of it is actually in your control. It's your decision. It's not like debt consolidation which entails you going to the creditor and basically begging and pleading and asking if they'll comply with some type of arrangement that's affordable for you. That's what is great about bankruptcy -- you decide. It's yours to decide "well I can pay X" and then we're going to set up that payment plan exactly the way it works for you and your budget.
Views: 1088 ProvoBankruptcy
http://bit.ly/1DmXV3h If you are in a chapter 13 bankruptcy and can no longer afford to make a monthly payment, but can't convert to a chapter 7, then you might need a hardship discharge. Find out what it is!
Views: 2203 Richardson Law Offices