Category Archives: Personal Bankruptcy

Should You Hold Off on Filing for Bankruptcy

Have you thought about when it might not make sense to file bankruptcy? Yes, Chapter 7 and Chapter 13 are powerful tools to eliminate or restructure debts, however choosing the right time to file for relief under the United States Bankruptcy Code can be a crucial part of your decision.

Here in the Atlanta area over the past 28+ years, I have spoken to hundreds of men and women struggling with every type of debt imaginable. However, there are times when I advise the client sitting across from me not to file at all, or, sometimes, not to file right now because the time is not right.

As I discuss in this video, there are situations where the cost of filing bankruptcy is too high given the amount of debt involved. In other cases, you may be anticipating a job layoff, a new job or even a raise. In still other cases, more debt may be coming your way and it would be premature to file now.

Experienced attorneys should do more than fill out bankruptcy petitions correctly and file paperwork. You can and should expect your lawyer to analyze your debt situation thoughtfully and carefully and to advise you if and when filing bankruptcy makes sense for you.

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Latest Personal Bankruptcy News

GUARDING CHERNOBYL WITH DISTINCTION.
personal bankruptcy
Image by DeeAshley
Even on … Those Days.
There will inevitably be one of, well..,
Those.Days.

[CAUSE AND EFFECT:]
Those days when you wonder if this is what those T.V. psychiatrists always seem to refer to as "disassociation,’ or perhaps even more accurately, an "acute psychotic breakdown."
Those days that we never expect, yet, incredibly, (unfortunately), virtually all human beings will have one or more of Those days.
Those days when you walk into your office expecting that double chocolate birthday cake.
Yet, much to your utter shock and jaw-dropping, heart-stopping horror, you’re met with dumbfounded stares – blankly and unblinking just like that cute little blond co-worker staring past you (or perhaps, through you?) . . .
She almost appears to be making sounds with her mouth, her big blue eyes appearing to have been holding back oceans now breaking free, although she doesn’t seem to care- or notice – as her corneas are now drowning in a sea of water that might very well be the infinite source of saline – she’s saying something… something… – lay-offs, FBI Interviews, lie detector tests, bankruptcy, and such. You slowly do an uneven 360 degree rotation, feeling the cold clammy pre-vomit symptoms quickly knotting your gut and working diligently and quite efficiently upward toward the diaphragm, and you swallow as hard as you can in hopes of choking back any projectiles – which would sadly consist of this morning’s Sara Lee Fat Free muffin and that and rather healthy dose of quaker’s oatmeal. The accountant comes running toward you as you instinctively take a step backwards, she stops short, wailing something about the end, "This is THE END!!" After her choking sobs were more manageable you were able to make out a little bit…
Something about the CFO embezzling all of the company assets, the investors, the pensions, the retirement, even the petty cash and the quarters unfortunate enough to be left unsupervised in the vending machine, "EVERYTHING!" Her shrieks trail off into whimpers for a moment, but like a tide gathering strength, the choking, hyperventilating, nose running unceremoniously down her pudgy red face, gathers strength once again…
After 15 minutes of careful lipreading, hugging, and firm shoulder shaking, you learn of His last possible sighting: Somewhere near Krakow, Poland; playing Texas Hold Em’ with a group of 8 foot embittered pro-Stalin, ex-soviet military men waiting with baited breath for anyone to provide them the opportunity to work out their personal anger issues with their current political views as well as their new tenured posts guarding the perimeter encompassing a well-known and lovely region most commonly called Chernobyl.
Those Days.
Still in shock staring blankly at the empty road ahead, you receive a phone call. Your son didn’t know that that giant chocolate bunny was bad for the kitty.
Your kitty.
"Mommy? How long do I have to leave this icky red stuff in my hair to make it look like yours? It’s starting to burn…!"
You were just about to ask your little loved one to repeat that last part, when you notice a disturbingly familiar and distinctive sound couple by bright lights that are flashing red and blue.
"What seems to be the problem Officer?"
"80 miles per hour?" "Really?" "In a 40?" (Gasp!) "A School Zone!"
"I’m sorry? What..? Phone?"
"Oh! [insert sheepish giggle] you mean this cell phone?"
"Inspection?" "That’s impossible! It couldn’t have been over a year-" stop. Damn stickers!
"They used to be transparent!"
45 minutes later, clutching 5 crispy new citations so tightly, you notice with no satisfaction that your bitten-to-the-nub nails have been digging some impressive holes through that wretched, foul-smelling carbon paper. The fifth ticket was for insubordination after you tell Officer Pursey what else seems to be a bit puckered as well. Despite his interjections, you were able to also remind him of what a sad excuse for a job he must have, picking on hard-working middle class citizens while there are grown men and women selling crack to kids on the street corners and how could he live with himself???
As you can see, one can never predict one of those days . . .
One must act quickly and decisively and take drastic measures in order to have the slightest chance of maintaining even the most precarious, desperate grip on that sad, thin, weathered thread of sanity remarkably similar to that which you are clawing and grasping for – any shred of mental cohesion to cling to.
[THE RULES:]
First of all, when in a rural environment such as this one, you must scream as loud as you can and bang on your steering wheel until your palms are throbbing. Sometimes it is even necessary to allow the head to slowly find its way onto the steering wheel, resulting in a shrieking noise that may cause the local canines to react in a rather agitated manner, but that’s fine. Just let the horn go, the noise will eventually drown itself out. Next, the helpless exhaustion should naturally give way to a dawning sense of indignation. This will happen rather quickly so prepare yourself to brush away any tears, mascara trails, and beware of any unintended shards of plastics or glass that may have been damaged during the end-of-the-world tantrum.
Thankfully, this horrific despair and painful psychic asphyxiation will rapidly give way to your new friend:
Fury. Rage.
A Seething cauldron of fuck-this-fuck-you-fuck-it-all-don’t-even-think-of-cutting-me-off-because-i-will-bludgeon-you-with-these-q-tips kind of all-consuming anger that flows hot and fast through your entire body. That 230 pound trucker that had intended on cutting you off takes one look into that cold empty stare and instinctively knows that this is one of those times when concessions are in order.
And Here, ladies and gentlemen, a photo is born. Who knew what that Toyota 4-cylinder hybrid sedan was really capable of until now? Although you may still be mostly(?) lucid, you’ve lost just enough of that annoying trait commonly referred to by the layperson as, "good judgement."
Before you know it, those Angus Cows are merely blurs in your peripheral, adrenaline-filled darting glances, you note an odd sensation that is reminiscent to barreling down those hilltops on your mother’s best cookie sheet after the first snow as a child. Ah, yes, that is the hydroplaning. No matter, friction is overrated.
What better way to salvage what’s left of this wretched, god-forsaken, nail-in-the-head, day than this?
You should have thought of this before!
What the hell, may as well take a picture. It could turn out kinda cool.

Supplemental:
*No cows, children, CFO’s, accountants, vending machines, felines, Toyotas, or law enforcement officials were actually harmed in the making of this photo. This sad day and its unfortunate series of events are entirely fictional, although there can be no guarantees as to the psychological wellness of the prefrontal cortex responsible for the creation of said events.*

A Personal Story of Bankruptcy

Harvey Z Warren on Hallmark’s Home and Family Show

http://www.harveywarren.com/

http://1ink.us/ch7
Find out if bankruptcy is right for you.

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What is Personal Bankruptcy in Canada?
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Don’t Handle Personal Bankruptcy in Plano TX Alone!

In this DIY generation, there are a lot of things you can do on your own. With the right YouTube video, you can probably figure out how to change your car’s oil or stain your kitchen cabinets. But there are some things you just shouldn’t do yourself, and among those things is handle personal bankruptcy in Plano TX.

If you are facing bankruptcy, or are about to face it, chances are that finances aren’t your forte’. That is perfectly fine, and many people fall into this category for one reason or another. But if your less than perfect actions are what led you to the brink of personal bankruptcy in Plano TX, handling the case on your own probably isn’t wise.

About Bankruptcy

Many people know the negative connotations associated with the word “bankruptcy” but don’t know much about it at all. There are two kinds of personal bankruptcy in Plano TX (and everywhere else).

Chapter 7 “Liquidation”

This is the type of bankruptcy that forgives your debts, but stays on your financial record for several years afterward. This type of bankruptcy is more difficult to qualify for, because if it were easy, everyone would do it. Speaking to a personal bankruptcy attorney is the simplest way to determine which type of bankruptcy you may be eligible for.

Chapter 13 “Rehab Bankruptcy”

With the help of a professional personal bankruptcy lawyer, you may file for Chapter 13 bankruptcy. Together with the help of your attorney, you will create a plan to pay back your debts. Sometimes debts are consolidated into a smaller amount, and sometimes they aren’t. That’s what your lawyer is there to figure out. You essentially set up a plan (usually three to five years) to pay back what you owe. This type of bankruptcy is ideal if you are trying to keep your home, pay back taxes, or trying to catch up on payments rather than eradicate them completely.

Moving Forward

If you are in over your head when it comes to your personal finances, it may be time to consider bankruptcy. The best way to ensure all the proper steps are taken and that you file correctly is to work with an attorney. Personal bankruptcy in Plano TX doesn’t have to be confusing or intimidating if you are working with an experienced lawyer on your side. The professionals at Colins & Arnove may be the perfect fit for you and your situation. Give us a call at 972-516-4255 today!

Personal bankruptcy Plano TX
Collins & Arnove Bankruptcy Attorney
555 Republic Dr.
Plano, Texas 75074
(469) 808-0632

Give us a call at 972-516-4255 today!

Personal bankruptcy Plano TX
Collins & Arnove Bankruptcy Attorney
555 Republic Dr.
Plano, Texas 75074
(469) 808-0632

More Personal Bankruptcy Articles

Personal Finance Q&A: How do I know when to declare bankruptcy?

Making ends meet can be a challenge at the best of times. But if you’re struggling under a mountain of debt that you can’t get out from under what are your options?

Doug Hoyes is a Bankruptcy Trustee with Hoyes Michalos and Associates.

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What to expect when filing bankruptcy personally

What to expect when filing bankruptcy personally

I discuss the typical experience for people who are filing bankruptcy. We start with what the initial consultation with the bankruptcy attorney should be like. Then we look at what the relationship between filing bankruptcy and its’ effect on your credit and FICO score. Finally I discuss filing bankruptcy and divorce.

When you’re overwhelmed by crushing debt, a personal bankruptcy will provide a fresh start and could be the Life-Changing Debt Solution you’re looking for. Choosing to file for bankruptcy is a serious decision which may not be for everyone. Our Licensed Trustees will explore all the options available to resolve your debt challenges and walk you through the bankruptcy process to see if it’s the right choice to eliminate your debt once and for all.

Video Transcript:
– At MNP, we believe knowing all of your options about debt is key to helping find the best solution for you. One of those options may be declaring bankruptcy.
– So what is the process in declaring bankruptcy? The first step is to meet with a trusted advisor to go over your personal and financial situation. Here you will review your income, how much you owe and your current assets. People are often afraid they will lose their assets when they claim bankruptcy. Many assets are protected by federal or provincial legislation and cannot be taken. Your advisor will address all of your concerns so you can feel secure in your decision to file for bankruptcy.
– After this review, the next step is to work with the trustee and complete the required forms. The trustee will then file these documents with the government and you will be declared bankrupt. From that point on the trustee will deal directly with your unsecured creditors on your behalf and you will stop making payments to them. Any garnishments against your salary will stop except garnishments for spousal and child support. Most lawsuits against you by your unsecured creditors will also be stopped.
– During the bankruptcy there are some duties that you are required to complete in order to receive a discharge from bankruptcy. You will be required to: attend 2 credit counseling sessions, submit your income information, submit your tax information, and pay your Trustee Fees. Failure to complete any or all of these duties will affect whether you’re eligible for discharge from bankruptcy. A discharge is needed in order for your debts to be eliminated permanently.
– Some debts that cannot be discharged include: court fines and penalties, alimony and child support arrears, student loans less than 7 years old.
– The cost and how long you will be in bankruptcy depends on: your income and family situation, whether you have been bankrupt before.
– The bankruptcy process can be difficult to understand. But with a trusted advisor from MNP, the process becomes a lot easier.

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Personal Bankruptcy Explained – In Plain English

Bankruptcy can be a tough pill to swallow, especially if you have historically been a responsible consumer. However, this law was put into place for your protection, and you must understand that sometimes bad things happen to good people. Bankruptcy is not a moral or ethical decision, it is a financial decision and when asking, “can I file bankruptcy?” it must be kept in that perspective.

The credit card companies don’t care about you; their only concern is money, even if you’ve been a customer for years. Below we have outlined the basic process of filing bankruptcy; as well as some important information for you to consider if you are considering bankruptcy.

Call Us Toll Free: (888) 728-0044

www.mcfarlinlaw.com

McFarlin & Geurts
11500 Olympic Blvd. Suite 400,
Los Angeles, California 90064

Personal bankruptcy – Chapters 7 and 13

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