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You can breath easier when contacting a bankruptcy and foreclosure attorney such Francisco Ceiza , part of your first steps toward easing your financial burdens. If you have received legal papers notifying you foreclosure procedures have been initiated, it is normal to feel a sense of hopelessness. Bankruptcy is an important legal right and cannot be ignored as a strategy available to allow an individual to get a fresh start. The most important issue to realize about credit card debt is that it is not insurmountable. A recent article in the Milwaukee Journal Sentinel discussed a strategy used by some landlords in the city to avoid paying fines: repeatedly filing for bankruptcy protection. If you’re considering filing for bankruptcy you have likely come to understand just how many technicalities and rules are part of the process.
The founder of the online media empire Gawker, Nick Denton, just filed for Chapter 11 bankruptcy protection. Those without previous knowledge may not realize that Chapter 7 bankruptcy isn’t something that is automatically available to everyone.
Posted in: Bankruptcy Procedure and Chapter 7 BankruptcyTagged: Bankruptcy, business debt, Chapter 13 repayment plan, Chapter 7, Chapter 7 protection, Chapter 7 qualification, Chapter 7 qualifying, consumer debts, failed means test, Liquidation bankruptcy, means test, means test measure? Erin Andrews was recently in the news for her successful lawsuit against her stalker and a Nashville hotel where a video of her undressing was secretly recorded through her room’s peep hole.
No one thinks bankruptcy is ideal, whether we’re talking on the personal or corporate level. For would-be homeowners who are struggling to secure a loan, seller financing can be an alternate path to home ownership. Our North Carolina foreclosure attorneys have been troubled by recent news that mortgage foreclosure scams have spiked by 60 percent since the beginning of this year.
As if those struggling with a North Carolina foreclosure didn’t have enough on their plates! In a large number of these cases, homeowners are contacted and told they qualify for a portion of the $26 billion settlement agreed upon by attorneys general in 49 states and five major banks. Another example cited was out of California, where a judge ultimately ended up shuttering a so-called mortgage relief organization in March.
The second scam involved a deposit of several hundred dollars for the company to do a home loan audit that would result in bank or lender violations in the vast majority – or 90 percent – of cases.
Statistics culled from March indicted that more than one in every 660 homes had received a foreclosure filing. While there are absolutely legitimate North Carolina foreclosure attorneys, it’s important for you to do your research on the qualifications and experience of anyone you hire, including an attorney. If you are considering hiring an out of state law firm to deal with your mortgage situation, make sure they have a licensed attorney in North Carolina who has experience handling foreclosure matters, in and out of court. And of course there is the always-relevant general rule: If it sounds too good to be true, it probably is. If you want to know what will happen in your foreclosure, then you need to find out what the foreclosure law is in your state.
Click on the article links below to find North Dakota-specific information related to foreclosure.
We give you step-by-step instructions on locating North Dakota's foreclosure statutes online, along with a summary of North Dakota's most important foreclosure laws.
Find out whether your lender can sue you for a deficiency (the difference between the amount you owe and the amount your lender recovers) after a foreclosure, short sale, or deed in lieu of foreclosure.
Learn how to take control of your personal finances, get out of debt, and repair your credit with this pair of books.
Most people are familiar with the basic outlines of the bankruptcy process: debtor files for bankruptcy protection, debts are either forgiven or restructured, creditors are given a chance to offer input, bankruptcy is discharged.

Many people with good credit may consider naming someone else as an authorized user on a credit card or other credit account, an attempt to build up the score of the other person. The United States Supreme Court has issued a decision favoring debtors who convert Chapter 13 bankruptcy proceedings into Chapter 7 actions, holding that funds collected by a bankruptcy trustee pursuant to a debtor’s Chapter 13 plan belong to the debtor at the moment the debtor converts a case to a Chapter 7 proceeding. The debtor, Charles Harris, filed for bankruptcy in 2010, seeking protection under Chapter 13 of the Bankruptcy Code. The idea of a creditor not getting paid all it claims it is owed from a bankrupt person may not bring tears to the eyes of many readers.
The Constitution of the United States spells out certain limited powers to be exercised by the federal government. The practice is used by those landlords who the city is trying to come after for providing substandard housing to tenants. The system can often appear as if it were designed to be purposely complicated to dissuade people from filing in the first place. Denton joins a former editor of Gawker and the company itself in bankruptcy, a chain reaction that started when Gawker lost its fight against Hulk Hogan. By the time they consider filing they are typically in a tough financial spot, with mounting debt and not enough income to go around. Instead, you must first qualify before a court will allow you to pursue a Chapter 7 liquidation bankruptcy. Andrews, the famous sports personality, launched her legal claim in an attempt to hold those responsible for causing her harm financially accountable for their actions. In the case of a commercial bankruptcy, many people wonder what is the best way to go, either Chapter 7 or Chapter 11. It can seem like a no-brainer for individuals with spotty credit histories eager to have a house to call their own: monthly mortgage payments directly to the old owner in exchange for the keys to your new home! The Los Angeles Times had reported that by using five different company names and three separate websites, the organization scammed some $1 million from hundreds of homeowners.  They had one of two very successful scams going.
The ruse claimed that this money allowed them to buy into a class action lawsuit that would return several thousand dollars each.
That’s an increase from the previous month, which tells us that scammers will have even more potential targets. Foreclosure processes are governed by state law, so it will do you no good to find out what happened to a cousin who lives across the country or the friend of a friend who lives in a neighboring state. The argument is that the system has too many loopholes that can be exploited by those eager to game the system.
One question that many have is how this process works and, more specifically, how much information will carry over from one person’s credit history to the authorized user. While this is true with some categories of debt, it is important to note that a bankruptcy will not wipe away everything. After all, you put money on a card and the recipient can then spend that however and whenever he or she chooses.
The bankruptcy plan established for Harris enabled him to keep his home and catch up on tardy mortgage payments over time. We can assist you with bankruptcy, foreclosure, repossessions, credit card defense and loan modifications.
By filing for bankruptcy protection, the landlords avoid paying mounting fines and are able to shield their property from being seized by the authorities.
One aspect of the process you may not be familiar with is the “proof of claim” filed by creditors. The case brought by the former professional wrestler resulted in a massive $140 million judgment against Gawker and Denton.

Though bankruptcy is an excellent opportunity for a fresh start, there are certainly costs. When the judgment was handed down for a whopping $55 million, it was clear she had accomplished what she set out to do.
Though neither represents the best possible outcome, filing for bankruptcy doesn’t have to be a disaster either and it’s worth weighing your options about which path forward offers the most benefits.
They say the person has qualified for foreclosure relief, and then proceeds to weasel personal information from the victim. Don't let us be the lawyers you wished you'd hired.You worked hard to purchase a house that your family can call home.
Though the overwhelming majority of bankruptcy filers are honest and only move forward with seeking bankruptcy protection as a last resort, it is true that occasional bad apples can be used to spoil the bunch. In fact, when most people think of bankruptcy they are often talking about the voluntary bankruptcy approach, not realizing that there’s another option known as involuntary bankruptcy.
Under the Bankruptcy Code, there are some categories of debt that are exempt form discharge, know as Section 523 exceptions. The article focused on the actions of one landlord who is an especially egregious abuser of the bankruptcy system. Though the company has said it intends to appeal the verdict, judges so far have refused to stay the decision meaning the money is owed and Hogan is free to begin seizing assets, not only of the company, but of Denton. Beyond the actual expense of filing and the harm that filing can do to your credit, bankruptcy can also mean the loss of property. If your home is at risk for foreclosure due to your mounting debts, you need an experienced attorney on your side to explain your options and help you protect your home. One example of a bad apple is a man from Florida who spent more than a decade using the bankruptcy system to live rent free by continually putting off foreclosure attempts. These exceptions apply to individuals filing Chapters 7, 11, 12 and, with some caveats, Chapter 13 bankruptcies. A good attorney could potentially help you better understand your options and position you for financial recovery. To find out more about what happens to your property when filing for bankruptcy, keep reading. At the Harlow Law Firm in Grenada, we have been helping people in North Central Mississippi avoid foreclosure for more than 20 years. Keep reading to find out more about what happens to consumers after a retailer files for bankruptcy protection. We are committed to taking care of our clients and will clearly explain your options every step of the way. Contact us today for a free initial consultation with an experienced Chapter 13 bankruptcy attorney.
If you are facing foreclosure, there are a number of things we can do immediately to prevent foreclosure. Chapter 13 Bankruptcy If you are struggling with your mortgage and other debts, Chapter 13 bankruptcy may be your best option for stabilizing your financial situation and saving your home. Chapter 13 can allow you to break down your remaining mortgage balance into a more manageable monthly payment plan.In addition to saving your home and leading to a fresh start and a chance to rebuild your credit, filling for Chapter 13 bankruptcy will put a stop to harassment from creditors and collections agencies. We Offer Free Initial ConsultationsTo schedule a free initial consultation over the phone or in person, call 662-298-7068, toll free 866-986-5912 or send us an e-mail today.

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