Bankruptcy Lawyer | Fair Debt Collection Act Bankruptcy Lawyer . The Fair Debt Collection Practices Act (FDCPA) was created for the sole purpose of protecting consumers from debt collector harassment by prohibiting certain debt collector behavior. It prohibits debt collectors employed by third party collection agencies from engaging in any form of debt collector harassment, but [...]
Bankruptcy Lawyer | What is a Trustee in Bankruptcy? Bankruptcy Lawyer . In practically every individual consumer bankruptcy case, regardless of whether it falls under Chapter 7 bankruptcy or Chapter 13 bankruptcy, there will be a bankruptcy trustee with various obligations and powers, depending on the case. The Bankruptcy Estate and Bankruptcy Trustee In order to [...]
Bankruptcy Calculator | How The Means Test Works Bankruptcy Calculator . The bankruptcy means test is an objective standard of weighing whether a debtor qualifies for bankruptcy under Chapter 7. Old bankruptcy law often made it relatively easy for filers to meet the criteria since bankruptcy courts used considerable discretion in determining eligibility. However, Congress passed [...]
Bankruptcy Lawyer | Is Bankruptcy a Good Idea For You? Bankruptcy Lawyer . Is Bankruptcy a Good Idea for You? There are many factors that should be taken into account when considering filing for bankruptcy. 1. Figure out what bankruptcy options you have. There are types of bankruptcy most commonly used by individual filers in the [...]
Bankruptcy Attorney | New Rules on Credit Counseling Bankruptcy Attorney . If you file for Chapter 7 or Chapter 13 bankruptcy, you must receive credit counseling from an approved agency before filing your case. In addition, you must complete a course in personal financial management (also called a debtor education course) before you can receive [...]
Bankruptcy Lawyer | How Chapter 13 Works Bankruptcy Lawyer . In Chapter 13 bankruptcy, you keep your property, but pay back all or a portion of your debts over a three to five-year period. This is unlike Chapter 7 bankruptcy, where most of your debts are cancelled but you may have to surrender some property to [...]
Bankruptcy Lawyer | When a Creditor Challenges Bankruptcy Lawyer . If a creditor challenges the dischargeability of one of your debts in bankruptcy, should you hire a lawyer to help you defend against the challenge? The answer depends on a number of factors, including: The reasons for the creditor's challenge The amount of the debt Your [...]
Bankruptcy Attorney | Filing Without an Attorney Bankruptcy Attorney . You are not required to have an attorney in order to file for bankruptcy. In some simple Chapter 7 cases, you can file on your own (it's called filing "pro se," meaning that you represent yourself) if you are willing to put in some time and [...]
Bankruptcy Attorney | Retainer Agreements Bankruptcy Attorney . If you decide to hire a bankruptcy attorney, you and your lawyer will sign a contract called a retainer agreement. Read on to learn more about what a bankruptcy retainer agreement is, what it should include, and what you should watch out for. What Is a Bankruptcy Retainer [...]
Bankruptcy Lawyer | What If My Lawyer Doesn't Return Calls? Bankruptcy Lawyer . No matter how busy your bankruptcy attorney may be, he or she should return your calls in a timely manner. Below, we discuss what you can do if your bankruptcy attorney doesn’t return your calls. Reasons Why Your Bankruptcy Attorney May Not [...]