tag:blogger.com,1999:blog-44547298520577316972024-02-20T09:45:13.665-08:00Bankruptcy BasicsLaw Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-4454729852057731697.post-50025154919310862032013-12-18T12:47:00.000-08:002013-12-18T13:00:56.798-08:001.3 Million long term unemployed to lose unemployment benefits December 28, 2013<!--[if gte mso 9]><xml>
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Our current congress has once again entered the history
books. They have managed to do less than any other congress in this nation’s
history. And, this at a time when action is really needed to get the economy
going. </div>
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The latest is allowing unemployment benefits to
expire for the long term unemployed. There is a excellent article on this at:</div>
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<a href="http://www.motherjones.com/mojo/2013/12/unemployment-benefits-expiring-budget-deal">http://www.motherjones.com/mojo/2013/12/unemployment-benefits-expiring-budget-deal</a></div>
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<span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">If you have any questions on this, or other debt
issues, please contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno
Bankruptcy Attorneys</a> at <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office
of Timothy C. Springer</a>. You can reach us at (559) 225-3622 to find out more
about the bankruptcy process as it pertains to your situation.</span>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com2tag:blogger.com,1999:blog-4454729852057731697.post-77323568920886796892013-10-09T13:55:00.001-07:002013-10-09T13:55:22.358-07:00If you surrender your home in Bankruptcy, how long can you stay?<br />
According to a post on Bankruptcy Law Network:<br />
<br />
"Even if you choose to surrender your home as part of your Chapter 7, the
automatic stay provision of the Bankruptcy Code still protects you, at
least temporarily. At some point in the near future, the mortgage
company will file a motion in bankruptcy court called a Motion for
Relief from Stay in which they ask the Judge to lift the automatic stay
so that they can pursue their state law remedies."<br />
<br />
To schedule a free consultation on Chapter 7 or Chapter 13 Bankruptcy please contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> at (559) 225-3622 or toll free at <!--[if gte mso 9]><xml>
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</xml><![endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">877-776-4529. Visit the <a href="http://www.fresnoforeclosurelawyer.com/FrequentlyaskedQs.html" target="_blank">website</a></span> for FAQs.<br />
<br />
<br />
<br />
<span style="font-size: x-small;"><a href="http://www.bankruptcylawnetwork.com/how-long-can-i-stay-in-my-house-if-i-filed-a-chapter-7-and-elected-to-surrender-my-home-back-to-the-mortgage-company/" target="_blank">Original Article</a> written by <a href="http://www.bankruptcylawnetwork.com/author/jginsberg/" target="_blank">Jonathan Ginsberg, Esq.</a></span> Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-25296973307282943572013-10-01T15:32:00.000-07:002013-10-01T15:32:50.352-07:00Bankruptcy Statistics<br />
According to Best Case Scenarios Magazine Fall 2013 edition:<br />
<br />
-Three in Five bankruptcies are due to medical bills.<br />
- Nearly 10M American adults (19-64) will be unable to pay for basic necessities like rent, food and heat due to medical bills.<br />
- 2012 saw a 13% decline in Consumer Bankruptcy from 2011<br />
- January and June of 2013 saw a 13% decline from the same period in 2012.<br />
- The 13% decline is estimated to continue throughout 2013.<br />
<br />
<br />
For more information or answers to your bankruptcy questions contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> today for a free initial consultation! <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy C. Springer</a>, toll free<span style="color: black;"> (877) 776-4529, is waiting to hear from you. </span><br />
<span style="color: black;"><br /></span>
<span style="color: black;"><span style="font-size: x-small;">Original <a href="http://www.bestcase.com/pdf/Fall2013.pdf" target="_blank">article<span style="color: black;"> </span></a></span></span>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-30483304499802126962013-09-30T16:56:00.002-07:002013-09-30T16:56:33.398-07:00Federal Taxes and Bankrutpcy<br />
<br />
<span style="font-size: xx-small;"><span style="font-size: small;"> If you owe Federal taxes you may be able to include them in a Bankruptcy. It is important that you get the facts on how to proceed before making any decisions. Some examples of necessary preparations according the the IRS are as follows:</span></span><br />
<br />
<ul>
<li class="first-child">You must file all required tax returns for tax periods ending within four years of your bankruptcy filing.</li>
<li>During your bankruptcy you must continue to file, or get an extension of time to file, all required returns.</li>
<li>During your bankruptcy case you should pay all current taxes as they come due.</li>
<li class="last-child">Failure to file returns and/or pay current taxes during your bankruptcy may result in your case being dismissed. </li>
</ul>
<br />
<span style="font-size: xx-small;"> <span style="font-size: small;">If this is an issue that you face please feel free to contact our <a href="http://www.fresnoforeclosurelawyer.com/index.html" target="_blank">Fresno Bankruptcy Attorneys</a></span></span><br />
<span style="font-size: xx-small;"> <span style="font-size: small;">at </span></span><!--[if gte mso 9]><xml>
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</xml><![endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">877-776-4529 for more information and to set up a free consultation.</span><br />
<br />
<span style="font-size: xx-small;"><a href="http://www.irs.gov/Businesses/Small-Businesses-%26-Self-Employed/Declaring-Bankruptcy" target="_blank">Original Article</a></span>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com1tag:blogger.com,1999:blog-4454729852057731697.post-18362286324113409412013-02-20T11:26:00.000-08:002013-02-20T11:26:22.178-08:0060 Minutes Report: Is your Credit Report Accurate?Steve Kroft of 60 Minutes gave an excellent report on how the average consumer is being damaged by credit reporting agencies. The National Association of Consumer Advocates, (NACA) has a full transcript posted of the story. To see it click here:<br />
<br />
<a href="http://www.naca.net/news/60-minutes-report-40-million-mistakes-your-credit-report-accurate">http://www.naca.net/news/60-minutes-report-40-million-mistakes-your-credit-report-accurate</a><br />
<br />
In my practice I receive a considerable amount of inquiries about problems on credit reports. This report does an excellent job of answering many questions, and gives further information to follow up on.<br />
<br />
If you have questions as to whether bankruptcy would help your situation, contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> at <span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">1-877-776-4529 or visit our website at <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">www.fresnoforeclosurelawyer.com</a>. </span> Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-44634791398264657692012-08-14T12:12:00.002-07:002012-08-14T12:12:43.457-07:00The Fork in the Road, August 14th, 2012 Everyday good people realize they are in bad situations. Situations that were neither intended nor desired and in fact most individuals still wish to make good on their debt. However, there is a point that each one of those good people come to a fork in the road. Do they borrow from retirement (or make some other impractical decision) to pay that past due credit card bill or do they call a bankruptcy attorney and get information? According to <a href="http://www.uscourts.gov/uscourts/Statistics/BankruptcyStatistics/BankruptcyFilings/2011/1211_f2.pdf" target="_blank">US Courts.gov</a>, 1,410,653 people in 2011 realized they were
in a bad situation and not only called for information but took advantage of bankruptcy to help them out from under the black cloud of debt. You can find information for <i><b>free</b></i>, once you take that money away from retirement, it cannot be undone. Call and get information, ask the attorney if it's the right time for you to stop making drastic decisions to pay back that debt, stop living in the unknown and get a fresh start without those things looming over your daily life. I have not seen a client enter a bankruptcy office who wants to be there but the fact is we all come to a point where we need the help of a knowledgeable professional and the best choice you can make for yourself and your family, is the choice to ask for help. It was stated by <a href="http://www.trezzalaw.com/2012/08/10/when-it-makes-no-sense-to-pay-your-bills/?utm_source=rss&utm_medium=rss&utm_campaign=when-it-makes-no-sense-to-pay-your-bills" target="_blank">Trezza & Associates</a> perfectly, "Making this decision (Bankruptcy) at the right time can save you
years of struggle, frustration, and poverty." <br />
<br />
Call today for information on how you too, can get a fresh start and avoid dragging out a difficult situation. <br /><br />
<br />
<br />
<br />
For information regarding the right time to file for your situation, contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> at <span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">1-877-776-4529 or visit our website at <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">www.fresnoforeclosurelawyer.com</a>. </span><br />
<span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /></span>
<span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /></span>
<span style="font-size: xx-small;">Read a <a href="http://www.trezzalaw.com/2012/08/10/when-it-makes-no-sense-to-pay-your-bills/?utm_source=rss&utm_medium=rss&utm_campaign=when-it-makes-no-sense-to-pay-your-bills" target="_blank">Similar Article</a> </span>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-47747720196327183432012-05-21T18:28:00.003-07:002012-05-21T18:28:53.275-07:00How to Borrow After Bankruptcy1) Before you borrow or taking a loan or getting a new credit card, establish your budget. Establish a household budget and include money for retirement and savings in addition to the money for the loan.<br />
2) Take a prepaid credit card. These cards are not unsecured but secured, by an amount that you will put down towards the card. According to allmandlaw.com, these cards are reported to the credit reporting agencies exactly like the unsecured kind without the threat of the unending debt cycle.<br />
3) Know what to provide to lenders. Taking your proof of income and budget information (to show you can pay) will generally be enough for lenders to approve you.<br />
Whatever you do, be smart about your purchases and watch those balances. Use the free tools presented during your bankruptcy counseling courses to help establish yourself again.<br />
<br />
For more information or answers to your questions contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> today for a free initial consultation! <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy C. Springer</a>, toll free<span style="color: black;"> (877) 776-4529, is waiting to hear from you. </span><br />
<br />
<span style="color: black;"><span style="font-size: x-small;">Original <a href="http://allmandlaw.com/bankruptcy/how-to-borrow-after-a-personal-bankruptcy?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+BankruptcyDallas+%28Allmand+Law%29" target="_blank">article</a></span> </span>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-4775824596768271682012-04-28T12:20:00.004-07:002012-04-28T12:20:36.743-07:00Myths About Chapter 13 Bankruptcy<br />
Among the many myths associated with Bankruptcy, we see these two repeatedly so let's clear things up a bit. <br />
<br />
1. <b>Myth</b>: When a debtor is in a Chapter 13 bankruptcy, the Trustee will
check monthly bank statements and check every expenditure a debtor
makes for the life of the Chapter 13 Plan.<br />
<b>Truth</b>: When a bankruptcy is filed, the debtor discloses under penalty of perjury their income and expenses. The Trustee understands the income and expenditures as an average and assumes it stays the same until either the end of the bankruptcy or until an amendment is made. The Trustee will not require bank statements each month to verify this information.<br />
<br />
2. <b>Myth:</b> When a debtor is in a Chapter 13 bankruptcy and they need a
different vehicle, they will not be able to purchase another vehicle
while in the Chapter 13 Plan.<br />
<b>Truth:</b> A Chapter 13 bankruptcy is three to five years in length. In that period of time many things can happen to someones car, the Court understands this. It <i>is</i> possible to obtain a new or different vehicle, your attorney needs to file a Motion with the court to Incur New Debt. Once the judge approves the motion you can move forward with the issue.<br />
<br />
<br />
If you want more details on these or any other <a href="http://www.fresnoforeclosurelawyer.com/FrequentlyaskedQs.html" target="_blank">bankruptcy</a> questions feel free to submit your question(s) via <a href="http://www.fresnoforeclosurelawyer.com/StaticForm.html" target="_blank">email</a> or call 877-776-4LAW (4529) to speak directly with one of our <a href="http://www.fresnoforeclosurelawyer.com/index.html" target="_blank">Bankruptcy Attorneys</a>.<br />
<br />
<span style="font-size: xx-small;">Read original article <a href="http://www.lickerlawfirm.com/blog/myths-and-truths-about-chapter-13-bankruptcy-part-i.cfm" target="_blank">here</a>.</span><br />
<br />Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-20620979750548712752012-03-13T16:55:00.004-07:002012-03-14T14:16:13.202-07:00Rimel Retire's while Clement joins the Eastern DistrictFrederick E.
Clement has been sworn in to take the place of U.S. Bankruptcy Judge Whitney Rimel. A Eastern District Bankruptcy Court Judge who will be missed greatly. <br />
<br />
Frederick Clement has been practicing law since 1993 in Redding, California. Mr. Clement is reportedly "looking
forward to his new job", but "loves the Redding area and will miss it." Rightfully so, Mr. Clement has been a resident of Redding for over 20 years. He is expected to take chambers in Fresno for his 14-year (renewable) term. <br />
<br />
<br />
He is a certified specialist in all areas of bankruptcy law and
represents individuals and businesses with debt problems before federal
and state courts. His resume says he has litigated in state courts, handling business
and real estate disputes, and he has been involved in a large number of
bench trials and two multi week jury trials. With seven judges, the U.S. Bankruptcy Court for the Eastern District of
California is the fifth busiest bankruptcy court in the nation but it sounds like Mr. Clement has the experience to fill the shoes of an outgoing, fair and competent Judge. <br />
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<tr><td class="b" valign="top">To file a <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">bankrutpcy</a> case in the Eastern District of California or for any further information, please feel free to contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attonreys</a></td><td><br /></td></tr>
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<td class="p-t-5 p-b-5" colspan="2">Similar Articles:</td>
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<td class="b" valign="top"><a href="http://www.redding.com/news/2011/dec/22/redding-lawyer-named-as-federal-bankruptcy-judge/?print=1" target="_blank">Redding.com</a></td>
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<a href="http://lawprofessors.typepad.com/bankruptcyprof_blog/judicial_announcements/%20" target="_blank">LawProfessors Article</a><br />
<a href="http://www.trialinsider.com/?p=1092%20" target="_blank">Trial Insider Article</a><br />
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<br />Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-71141230355753201182012-03-06T12:43:00.000-08:002012-03-06T12:43:12.660-08:00Bankruptcy Abuse Prevention and Consumer Protection Act, 2005 - February 29, 2012There is an unfortunate truth in the article on <a href="http://nacba.memberpath.com/Home.aspx" target="_blank">NACBA's</a> website about the 2005 bankruptcy law changes and how they effect debtors. The press from these changes made many people think it was impossible for them to seek bankruptcy relief. <br />
<br />
In 2005, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act. The idea of this law was to stop people who were thought to be "abusing" the system. The article reports that a study (done by the American Bankruptcy Institute) found
that "the law has served only to drive up the costs to the consumer
debtor, and changes in creditor returns have been statistically
insignificant." NACBA states that the price for Chapter 7 Bankruptcy has risen 40% and Chapter 13 has risen 25% from 2005. However, it is still possible to seek the relief needed to gain a fresh start. The new law may have made the filing process more complex but Bankruptcy offices such as <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy Springer</a> specialize in handling Bankruptcy cases and stay up to date on laws and requirements to insure a smooth transaction made as simple as possible for the debtor. Visit their <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">website</a>, or call today, (559) 225-3622, for more information on how bankruptcy can help you. <br />
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<a href="http://nacba.memberpath.com/News/BankruptcyNews/tabid/89/articleType/ArticleView/articleId/242/Law-from-2005-harms-debtors-needing-a-new-start.aspx" target="_blank">Read Original Article</a>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com1tag:blogger.com,1999:blog-4454729852057731697.post-12531702643574967932012-02-24T15:16:00.001-08:002012-02-25T12:54:39.020-08:00If I file Bankruptcy can I keep my credit cards? - February 23, 2012<br />
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The general answer is no. More often than not the root cause,
pushing someone towards bankruptcy is credit card debt. That debt is what the client
wants to get discharged. However, when there is a credit card held by the debtor which is in good standing at the time of filing or has a $0 balance, the debtor
assumes many times (incorrectly) that they can keep that card after
the bankruptcy. While I cannot speak for all creditors, most of them will still cancel your account. When you file a bankruptcy,
you are required to list ALL of your debts, and ALL of your assets. You cannot
leave specific cards out and even though you are only required to inform your attorney
about cards with a balance, the cards in good standing, and without a balance
will soon find out about the bankruptcy and likely close your account. People seem to be
frightened at the thought of not having any credit cards to fall back on, what
they don’t realize is the hundreds of dollars they are paying towards those
credit cards every month will free up and actually become available funds. With those funds you can purchase a prepaid "Debit" card that looks like, and is useable as a credit card.</div>
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If you have any questions please contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> at <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy C. Springer</a>. You can reach us at (559) 225-3622 to find out more about the bankruptcy process as it pertains to your situation. </div>
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<br /></div>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-21662500418904954872012-02-23T13:12:00.003-08:002012-02-24T15:17:06.282-08:00Preparing for Bankruptcy - February 23, 2012 People file bankruptcy to find relief from a situation where finances have spiraled out of control. They may seek to discharge all the debt, through a chapter 7; or reorganize the debt and pay a more reasonable per month payment through a chapter 13. (Income variables apply when determining qualification) If you are looking to file a Bankruptcy, there are a few things you want to watch out for in preparation of the act of filing.<br />
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1) Payments made to creditors or on a personal loan will be scrutinized during this process if the payment made was over $600 and within 90 days of filing the bankruptcy. Try and stay away from these types of transactions prior to filing.<br />
2) Stop using your credit cards if you are considering bankruptcy. Use of cards just before filing will also be scrutinized and possibly even viewed as fraud. Make sure that you discuss any recent transactions along with your intentions with your <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">attorney</a>.<br />
3) Transferring or selling personal property just before filing may cause unnecessary complications in your case. In most cases "exemptions" can be used to protect any property you have from becoming property of the bankruptcy estate. If the Trustee of your case sees you have transferred recently or sold something hastily, they may get it back and then because we didn't protect it by exempting it, it will become property of the bankruptcy estate.<br />
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Bankruptcy can be confusing for people who know little about the
bankruptcy process (most people fall under this category), it is
important to consult a <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">bankruptcy attorney</a> about your situation before taking matters into your own hands, these items are listed as precautions and not legal advice. <br />
<br />
If you have any questions about Bankruptcy please contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Fresno Bankruptcy Attorneys</a> at <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy C. Springer</a> for more information. <br />
<a href="http://allmandlaw.com/bankruptcy/actions-you-may-want-to-avoid-if-planning-to-file-bankruptcy?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+BankruptcyDallas+%28Allmand+Law%29" target="_blank">Read Original Article</a>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com1tag:blogger.com,1999:blog-4454729852057731697.post-46062452618145325642012-02-17T18:54:00.000-08:002012-02-17T18:54:59.545-08:00Is Bankruptcy possible with a reverse Mortgage?<span style="font-size: x-small;"><a href="http://www.bankrate.com/finance/debt/bankruptcy-option-with-reverse-mortgage.aspx" target="_blank">Bankrate's</a> reader, John, submitted a question worth re-posting. He asks, </span><br />
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"If somebody has a reverse mortgage, could he file for bankruptcy and
still keep the house -- of course meeting all the other obligations to
the mortgagor?"<br />
<br />
-Firstly, <a href="mailto:editors@bankrate.com">Justin Harelik</a> of <a href="http://bankrate.com/">Bankrate.com</a> suggests to consider three points; home value, current balance and monthly payments. When considering bankruptcy with a reverse mortgage, make sure you can protect or exempt whatever amount of equity you currently have in your home. Hiring an appraiser is the most efficient way of acquiring that amount.<br />
-Secondly, even on a reverse mortgage, you must find the current balance of your home. Mr. Harelik suggests requesting a "10-day payoff" from the lender which should show the current balance. This information will be required for the bankruptcy paperwork.<br />
-Lastly, the monthly payment point comes into play and may reduce or remove the need for bankruptcy at all depending on your situation. You will need to review the loan documents to figure out if you will still have access to the monthly distributions or the home's equity.<br />
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In conclusion, the article outlines that if you find the answers for your situation, you may well be able to file a bankruptcy and keep your home. Once you have the researched these three key points, contact our <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">fresno bankruptcy attorneys</a> at the <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Law Office of Timothy C. Springer</a> for a free consultation. <br />
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Original article posted at <a href="http://www.bankrate.com/finance/debt/bankruptcy-option-with-reverse-mortgage.aspx" target="_blank">Bankrate.com</a></div>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com1tag:blogger.com,1999:blog-4454729852057731697.post-81209943603779685192012-02-15T14:10:00.000-08:002012-02-15T14:11:31.997-08:00Beware of Zombie Debt Collection - February 15, 2012 I saw a great article at <a href="http://forbes.com/" target="_blank">Forbes.com</a> about "Zombie Debt Collectors" and how you should beware of them.<br />
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Have you have ever received a solicitation for payment of a long lost debt or a debt you don't recognize at all? If so, you have most likely been targeted as an unsuspecting victim of a Zombie Debt collector. How and why does this occur? Greed is the answer. Creditors stoop to new lows everyday with their aggressive, sometimes fraudulent collection practices. <br />
Beware. In an attempt to maximize profits, some companies are buying very old debts and even though they can be: past the statute of limitations, never owed, owed by a deceased parent, previously paid in full, previously settled, or otherwise not legally collectible, they still make the attempt to collect. Collectors pay pennies on the dollar for these debts so for very little, they stand to make a very large profit. Sometimes what seems like a run-of-the-mill credit card offer is actually a guise to get you, the consumer, to sign yourself back on the hook for a portion or all of a Zombie Debt. <br />
Consumers don't realize they are reanimating a Zombie Debt, as described in the very, very fine print of the new cardholder agreement and can now be sued for a balance which they were previously not legally responsible for. Consumers must be very careful and weary of creditors who try and circumvent the statute of limitations, it is important protection which is put there for a reason. If you feel that you have been a victim of this Zombie Debt collection practice, contact our office below to explore your options.<br />
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For more information on ways Bankruptcy can help rid you of new and old debt, contact <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy C. Springer</a> <br />
<br />
<span style="font-size: x-small;">See similar stories at <a href="http://www.forbes.com/2008/10/31/debt-creditors-default-pf-education-in_af_1031investopedia_inl.html">Forbes.com</a>, <u>Beware of Zombie Debt Collectors</u>, and</span><br />
<span style="font-size: x-small;"><a href="http://moneyland.time.com/2012/01/10/zombie-debt-a-real-life-horror-story/">MoneyLand Time.com</a>, <u>Zombie Debt: A Real Life Horror Story</u>. </span><br />
<br />Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com1tag:blogger.com,1999:blog-4454729852057731697.post-380382217410613562012-02-13T12:46:00.000-08:002012-02-13T12:46:58.384-08:00Debt Consolidation/ Negotiation verses Bankruptcy, February 13, 2012<div class="body">
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The concept of “Debt Negotiation”
was created by creditors to keep you out of bankruptcy. However, the true intent
(all the PR hype, notwithstanding) was to keep the creditors in control.</div>
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There are a few different methods
to the debt negotiation approach. However, the usual is to have you sign up and
then they tell you to stop making payments to your creditors. The reason for
this is there is no reason for creditors to negotiate with them if you are
making your payments on time. You then make
payments to the debt negotiation company. They take their fees off the top, and
place the remainder in a trust account. When they have saved up a large sum
they will then approach a creditor with an offer.</div>
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Example: You have a credit card with XYZ Bank. You owe
them $5000.00. The company has you stop making payments to XYZ and saves up the
payments you make to the company. When you have say $2500 in the company’s trust
account, THEN they go to XYZ and offer that amount to settle the debt. In the
meantime XYZ has been hounding you constantly for a payment. There is NOTHING
that says XYZ must deal with the negotiation company, and they are still
looking to YOU to get paid. Maybe they’ll deal with the consolidation company,
maybe they won’t. If they refuse, they can (and will) still call you. They can
still sue you, and they often will. When you bring this concern up to the
company they often shrug, and say “they simply will not deal with us, but we
tried, so we earned our fee.”</div>
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In Chapter 13 you and your attorney
create a repayment plan based upon your income, and what you can afford. What your
payment is depends on your income. In nearly all cases the interest on
unsecured debt stops. A Chapter 13 Plan is created and submitted to the court
for approval. If your plan is confirmed, you’re done. Just make your payments
to the Chapter 13 trustee, and they divide it up amongst the creditors. At the
end of your plan, (in most cases) any balances owed on the unsecured debt are
discharged, and you come out debt free. (Each case is different. An “experienced”
bankruptcy attorney in your area can advise you how your case is likely to come
out.)</div>
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In the Debt Negotiation model you make
payments to that company. In Chapter 13 you make payments to the
Trustee. Each divides
it up amongst creditors. In debt negotiation, the creditors are in
control. In
Chapter 13, you and your attorney are in control and YOU ARE PROTECTED
BY THE
COURT. The creditors cannot refuse to negotiate. They cannot call.
They cannot sue. The creditors do not have much say in a 13,
as long as your plan is reasonable.</div>
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In Chapter 13 you have the protection of the
Bankruptcy Court. In debt Negotiation you have NO protections. That is the
simple difference. At the very least, talk to an experienced bankruptcy
attorney before making a decision about which direction to go.<br />
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Posted Originally on <a href="http://www.avvo.com/legal-guides/ugc/debt-consolidation-negotiation-verses-bankruptcy?utm_source=notification&utm_medium=email&utm_content=recommend_guide&utm_campaign=guide" target="_blank">Avvo.com</a> by <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">Timothy C. Springer, Esq.</a> <br />
</div>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com2tag:blogger.com,1999:blog-4454729852057731697.post-10395807894373291372012-02-13T11:17:00.000-08:002012-02-13T11:17:58.271-08:00Did changing of the bankruptcy laws help cause the financial meltdown?<!--[if gte mso 9]><xml>
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In 2005 the Congress passed a new
law reforming bankruptcy protections. While arguably some changes were needed,
the sweeping changes enacted have made the process much more difficult for the
average person, who is already going through a difficult time.</div>
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At the time the media widely
reported (falsely) that bankruptcy would no longer be available, and the
average person would have to pay all their debts back. Believing this media
blitz, the average person in 2006 thought they could not file and overall
filings were down 80%. These same people were then taking the money that they
would have used to pay their mortgages and gave it to the credit cards instead.
As a result their mortgages went into default, foreclosures increased, and the
U.S slid into a recession.</div>
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<span style="mso-tab-count: 1;"> </span>The public
became aware that Bankruptcy protection was still available, and filings
increased to record proportions in 2009 to 2011. Filings seem to be slowing
down, but are still high. </div>
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<span style="mso-tab-count: 1;"> </span>The
questions still remain though. If Congress had not made the safety net of
bankruptcy so difficult in 2005, would the resulting recession have been this
bad?</div>
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<span style="mso-tab-count: 1;"> </span>Bankruptcy
protection is still available in Fresno.
If you have further questions, contact the <a href="http://www.fresnoforeclosurelawyer.com/" target="_blank">The Law Office of Timothy Springer</a> in Fresno, California.</div>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0tag:blogger.com,1999:blog-4454729852057731697.post-22091712606028874832012-02-10T17:10:00.000-08:002012-02-10T17:10:36.636-08:00Bankruptcy Questions Answered<dl><h3><span style="color: black;">Does Bankruptcy get rid of all debts?</span></h3><dd><span style="color: black;">Not necessarily. Some examples are alimony, child support, certain property settlement agreements in divorce, certain income tax liabilities, Department of Revenue sales tax liability, Internal Revenue Service pay roll tax liability or trust fund liability, and many student loans. Also, many debts created by fraud, embezzlement, or conversion can not be discharged. (An example of this would getting a large cash advance just before filing. That could be considered fraud.)</span></dd><h3><span style="color: black;">If I like a particular credit card, can I not list that company and keep the card?</span></h3><dd><span style="color: black;">You must list ALL debts that have a balance, because all creditors must be treated equally.</span></dd><h3><span style="color: black;">What if I pay a card off? Will they let me keep it?</span></h3><dd><span style="color: black;">We cannot speak for the creditors policies. However, our experience is if you pay off one thinking you will be able to keep it, the likelihood is the creditor will still cancel your account. Also, because creditors have to be treated equally, if you pay more than $600 within 90 days of filing the Trustee can and may make them give it back and disperse it to all creditors who file claims in your case.</span></dd><h3><span style="color: black;">Will I Be Able to Save my Home by Filing for Personal Bankruptcy?</span></h3><dd><span style="color: black;">One of the big benefits of declaring personal bankruptcy is this: from the moment your Chapter 7 or Chapter 13 bankruptcy is filed with the court, foreclosure actions against you must stop. The foreclosure can be held off while you catch up the payments. However, you must be able to show the court that you CAN make the regular payments from now on, plus an amount to catch up what you are behind to make it work. If you can not make the payments the lender will get relief from the bankruptcy fairley quickly.</span></dd><h3><span style="color: black;">Can I transfer my car, boat, collectibles, home, tools, etc. to another person to keep those items out of bankruptcy?</span></h3><dd><span style="color: black;">This is NEVER a good idea. Transferring property to keep it away from creditors, and out of the Bankruptcy can be considered fraud. The transfer can be reversed for 2 years under Bankruptcy Law, and 4 years under California's Fraudulent Transfer Act. It could also be considered a crime, and/or you could lose your discharge of the debt.</span></dd><h3><span style="color: black;">Are bounced checks dischargeable in bankruptcy?</span></h3><dd><span style="color: black;">Usually the <u>DEBT</u> is discharged. However, bouncing checks is a crime and bankruptcy does not keep you from being prosecuted if a criminal complaint is filed by the District Attorney.</span></dd><h3><span style="color: black;">Is there a difference between Chapter 7 and Chapter 13 as to what debts can be discharged? </span></h3><dd><span style="color: black;">Yes. (Example: It is sometimes possible to get rid of a second mortgage in Chapter 13, but not Chapter 7, depending on the facts) The details as to what can and cannot be in what chapters are more than can be easily listed here, and are specific to your case. If you want to know specifics call for a free consultation. </span></dd><h3><span style="color: black;">Will my credit union or bank close my bank accounts if I file bankruptcy? </span></h3><dd><span style="color: black;">Possibly. If a credit union loses money because of the Bankruptcy, they will likely cancel your membership. With some banks there is a risk, if you owe them money, they will clean out, or freeze your account when they find out you filed. The short answer is if you owe them money you should open an account somewhere else. </span></dd><h3><span style="color: black;">Will my bankruptcy affect a co-signer on the debt? </span></h3><dd><span style="color: black;">Yes. When the person co-signed they were guaranteeing the debt would be paid by them in the event you do not pay. If they do not file their own Bankruptcy the creditor can and will go after them. Sometimes, in Chapter 13 it is possible to protect them. Call for more information. </span></dd><h3><span style="color: black;">May my employer fire me for filing bankruptcy? </span></h3><dd><span style="color: black;">No. In Federal law is the anti-discrimination section of the Bankruptcy Code (11 U.S.C. § 525) that precludes a public or private employer from discriminating against any employee solely because he or she filed for bankruptcy. Employers almost always honor this section and there are normally remedies if they try to violate it. </span></dd><h3><span style="color: black;">How long does bankruptcy remain on my credit report and can I obtain credit before that time period runs? </span></h3><dd><span style="color: black;">A bankruptcy can be in your credit report for 10 years. However, this DOES NOT mean you do not have credit any for 10 years. How quickly you recover will be up to you. You have to rebuild your credit. The average debtor is usually back on track in 3 to 5 years. There are creditors that want to give you credit, because they make money giving you credit. </span></dd><h3><span style="color: black;">What is credit counseling and must I take it? </span></h3><dd><span style="color: black;">The new Bankruptcy law requires you to do 2 counseling sessions on debtor education. One session before you file, and one after. (Your ticket in and your ticket out) Both are done on the internet, and are not difficult. They can be completed at our office if you do not have internet access. Our office will help you get through them, and it is part of your total fee. </span></dd><h3><span style="color: black;">Does your fees include ALL THE FEES I will have to pay?? </span></h3><dd><span style="color: black;">Yes. We charge one fee and it includes the attorney's fees, the filing fee for the court, the counseling, and credit reports. You may find cheaper prices quoted. However, when you get there you will likely find out it does not include the court filing fees, ($299 for Chapter 7). Then you will be told to go get your own counseling, (and pay for that yourself) then bring back the certificate. Also to go get your own credit report and bring that back to them. </span></dd><dd>
<span style="color: black;">We have no surprises later. Also, beware of "out of town" companies that quote low prices and make the service sound too good to be true. Ask yourself (logically) if a company 200 or more miles away is going to travel to Fresno to represent you in court. We HIGHLY RECOMMEND that you go to some Bankruptcy Court hearings. Then watch what happens to the poor people that made the mistake of hiring these out of town companies. A simple rule of thumb is if you cannot meet the individual you are hiring IN PERSON, and look them in the eye BEWARE!!</span></dd><h3><u><span style="color: black;"> Chapter 7 FAQs.</span></u></h3><h3><span style="color: black;">How do I qualify for Chapter 7? </span></h3><dd><span style="color: black;">Your income is a factor that must be looked at. If you make too much money, (based upon a formula congress created in 2005) then you are not allowed to do Chapter 7. It is simply a fairness argument. If you can afford to pay SOMETHING (Based upon that formula mentioned) then they will not let you simply walk away from your debts. However that does not necessarily mean you have to pay ALL of it back. You pay back based upon the formula. Contact us for an appointment and we will help you figure out exactly what YOUR situation is, and what you qualify for. </span></dd><h3><span style="color: black;">What is a discharge? </span></h3><dd><span style="color: black;">A Chapter 7 discharge is an order signed by the bankruptcy judge which wipes out most unsecured debt. This keeps those creditors from attempting to collect the debt from you. You will normally receive your Discharge about 4 months after the Chapter 7 case is filed. There are some exceptions to discharge, (like most student loans). If you are not sure, ask us. </span></dd><h3><span style="color: black;">What is a Chapter 7 trustee? </span></h3><dd><span style="color: black;">The Trustee is the one who administers your case. It is their duty to look for things to sell and pay the creditors. However, most Chapter 7 cases do not have any property that can be taken and sold. </span></dd><h3><span style="color: black;">What is the meeting of creditors and what happens there? </span></h3><dd><span style="color: black;">The meeting of creditors is conducted by the Chapter 7 trustee. The debtor(s) are examined under oath concerning their assets and debts. It is the creditor's "opportunity" to question you while you are there and under oath. Creditors who choose to attend the meeting, either in person or through their attorney, can ask questions about the case. Normally creditors do not come. The average meeting of creditors lasts about three to five minutes and is held approximately 30 days after the Chapter 7 bankruptcy is filed. You MUST appear at the meeting of creditors. Your attorney will appear with you at the meeting. </span></dd><h3><span style="color: black;">Can creditors ask to have their debt held non-dischargeable? </span></h3><dd><span style="color: black;">Yes. Creditors have a right to complain if they believe there is a good reason. (Example: getting a large cash advance on a credit card the day before filing would likely be deemed non-dischargeable, and maybe even fraud) </span></dd><h3><span style="color: black;">What is a Reaffirmation Agreement? </span></h3><dd><span style="color: black;">If you are making payments on items, (like a car, furniture, computer) these are considered "secured" by that property. This simply means they can come and take it if you don't pay them. The new Bankruptcy law requires you to basically sign a new contract with the creditor you are making the installment payments to. This is called a "Reaffirmation Agreement". The problem with Reaffirmation Agreements is that you are putting yourself back on the hook for the full amount of the amount owed. Example: you owe $20,000.00 on a car that is now worth $10,000.00. If you reaffirm, and later can't make the payments, they would repossess the car and you will be on the hook for the remaining balance. </span></dd>
<dd><span style="color: black;">To avoid debt discharge in a bankruptcy action, mortgage companies and car, furniture, and appliance financers typically want the debtor to sign a document known as a Reaffirmation Agreement. Signing this agreement results in the debtor waiving his Chapter 7 discharge and agreeing to continue to make payments as called for by the original loan documents. </span></dd>
<dd><span style="color: black;">You should consult your attorney before making any decisions regarding reaffirmation.</span></dd><h3><span style="color: black;">What are exemptions? </span></h3><dd><span style="color: black;">The word exempt means: "released from, or not subject to, an obligation, liability, etc." (Ref: Dictionary.com) When you file Chapter 7 you are giving permission to the Trustee to sell things that you can NOT exempt. (Examples are: the new Jaguar that is paid for, the Lear jet, or the $10,000.00 antique hutch you inherited from grandma). For most debtors in California the exemptions cover everything, so there is nothing left for the Trustee to take and sell. </span></dd>
<dd><span style="color: black;">If you are concerned about your assets, and what CAN be exempted, call for an appointment with one of our attorneys to determine your rights.</span></dd><h3><span style="color: black;">What is redemption? </span></h3><dd><span style="color: black;">In Chapter 7, if an asset is exempt, it can be purchased from the creditor by paying what it is worth NOW in a lump sum (not payments). The balance of the debt will be discharged. An example would be a computer that has gone down in value at the time of bankruptcy to $700 and the balance of the debt owed on the computer is $2,000. The computer can be redeemed for $700 and the $1,300 difference is discharged. The process requires filing a motion with the court, and should be discussed with your attorney. </span></dd><h3><span style="color: black;">Can the trustee or a creditor object to my Chapter 7 discharge? </span></h3><dd><span style="color: black;">Yes. Objection to discharge comes under federal law. If someone with standing objects and the court sustains the objection, all of the debts owed by the debtor can never be discharged in bankruptcy. This issue generally comes into play where the debtor has transferred an asset within two years (or 4 years under California Law) of filing bankruptcy with the intent to hinder, delay or defraud creditors or hide it from the Chapter 7 trustee. This can also happen if the debtor is unable to explain a reduction in assets just prior to bankruptcy. </span></dd>
<dd><span style="color: black;">If you are concerned about this you should discuss it with a competent Bankruptcy Attorney prior to filing.</span></dd><h3><span style="color: black;">If the Trustee does take something, is it possible to buy it back? </span></h3><dd><span style="color: black;">The Trustee's job is to turn non-exempt property into cash, which is then distributed to the creditors that file claims. Normally a value will be placed upon the property, or can be negotiated with the Trustee. If you can come up with an amount that is reasonable it IS possible to buy the item back from the Trustee. </span></dd><h3><span style="color: black;">Can one spouse file for Chapter 7 bankruptcy without the other spouse filing? </span></h3><dd><span style="color: black;">Yes. Sometimes it is a good idea because one spouse can then maintain their good credit score. All of these possibilities can be explored in the initial consultation. When your ready, make an appointment. </span></dd><h3><span style="color: black;">What happens if I come into a lot of money after filing for a Chapter 7 bankruptcy? </span></h3><dd><span style="color: black;">If there is a windfall of income, (you win the lottery, or your rich uncle dies and leaves you his fortune) within 180 days of filing your case you MUST inform the Trustee and it may be made available to creditors. If you anticipate an inheritance in the near future, you should discuss the situation with your attorney. </span></dd><h3><span style="color: black;">If I filed a Chapter 7 in the past, how long before I am eligible to file another Chapter 7? </span></h3><dd><span style="color: black;">You can not file again and receive a discharge for 8 years and a day. </span></dd><h3><u><span style="color: black;"> Chapter 13 FAQs </span></u></h3><h3><span style="color: black;">What is Chapter 13? </span></h3><dd><span style="color: black;">Chapter 13 is a repayment plan. However, it is based upon what you can afford, NOT what you owe in unsecured debt. Putting together a workable Plan can be very difficult, and you definitely want an attorney who is experienced building Chapter 13 Plans. Our office has built hundreds of plans over the years, and we can walk you through the process safely. Because the process of Chapter 13 is complex it is best to explain YOUR possibilities in person. Call today and we can schedule an appointment for a free consultation to see if Chapter 13 is right for you. </span></dd><h3><span style="color: black;">Why would I file Chapter 13 instead of Chapter 7? </span></h3><dd><span style="color: black;">If you qualify for Chapter 7 that would normally be the first choice. However, there can be some advantages to filing a Chapter 13. </span></dd><dd><span style="color: black;">Examples: </span></dd><dd><span style="color: black;">If your house is in foreclosure and you file a Chapter 13 before the sale date it will keep them from going through with the sale, and we can hold them off from foreclosing while you catch up the payments. (However, to make this work you need to be able to make the regular payments from now on, plus some extra to catch up what you are behind.) </span></dd><dd><span style="color: black;">If your car was just repossessed, and you want to keep it, filing a Chapter 13 before the car is sold can get it back for you and hold them off while you catch up the payments.</span></dd><dd><span style="color: black;">If you have 2 or more loans on your home, and you owe more on the 1st mortgage than what the house is worth, it may be possible to strip off the 2nd mortgage.</span></dd><h3><span style="color: black;">Why would I not qualify for Chapter 7? </span></h3><dd><span style="color: black;">As explained above, if you make too much money you may not be able to do Chapter 7. However Chapter 13 may still be a possibility. Call for an appointment, and we will help you figure it out. </span></dd><h3><span style="color: black;">When is the first plan payment due, who do I pay it to, and how are the payments made? </span></h3><dd><span style="color: black;">The first payment is due on the 25th of the month following the month when the plan is filed. (Example: if you file between July 1 and July 31, your 1st payment will be due August 25, and all payments after that will be on the 25th of the following months.) The payment is made by cashiers check or money order, (No personal checks, or automatic withdrawal) payable to the Chapter 13 trustee. The debtor's name and case number must appear on the face of the check or money order. The payments are sent to a PO Box in Memphis, TN as instructed in a letter sent to the debtor by the Chapter 13 trustee at the beginning of the case. </span></dd><h3><span style="color: black;">Is it possible to obtain credit while I am making payments on my Chapter 13 plan? </span></h3><dd><span style="color: black;">You must obtain permission from the Chapter 13 trustee and/or the court to incur new debt while you are in a Chapter 13 bankruptcy. It requires a Motion to get the trustee or the court to approve new credit until the plan is confirmed, which normally occurs two to three months after the case is filed. To get this Motion approved you will need a really good reason, (Like your car broke down, and you need a new one.) The counter argument is "If you have extra money to make an extra payment with, why are you not giving that to your creditors?" </span></dd><h3><span style="color: black;">Can the trustee or a creditor object to confirmation of a Chapter 13 Plan? </span></h3><dd><span style="color: black;">Yes. It is the trustee's responsibility to object to Chapter 13 plans that are deficient. A creditor may also object, but generally most objections will come from the Chapter 13 trustee. Most objections are worked out or resolved prior to the confirmation hearing but occasionally the judge will have to decide. </span></dd><h3><span style="color: black;">Can only one spouse file a Chapter 13 and stop foreclosure on a house owned by both spouses? </span></h3><dd><span style="color: black;">Yes. This occurs, but is not often recomended. If one spouse does not need to be in bankruptcy other than for the foreclosure, then that particular spouse can be left out of the bankruptcy. </span></dd><h3><span style="color: black;">What effect will a Chapter 13 have on a co-debtor who does not file bankruptcy? </span></h3><dd><span style="color: black;">The Chapter 13 may show-up on the non-filing co-debtors credit bureau report alongside of that particular debt. It won't show in the public records section, because they did not file. The creditor may still be able to proceed against the co-signer. </span></dd><h3><span style="color: black;">What is the co-debtor stay? </span></h3><dd><span style="color: black;">If the joint debt is a consumer debt and the plan proposes to pay the debt in full, the creditor is blocked by the Chapter 13 filing from taking collection action against the non-filing co-debtor. </span></dd><h3><span style="color: black;">What happens if I inherit something during the three to five years that I am paying creditors under my Chapter 13 plan? </span></h3><dd><span style="color: black;">The inheritance must be turned over to the Chapter 13 trustee to be distributed to the unsecured creditors, depending upon claims filed. If there is a possibility of this happening, you need to discuss the matter with us. Some or all of it may be exemptible. </span></dd><h3><span style="color: black;">If my Chapter 13 does not work, can I convert the case to a Chapter 7? </span></h3><dd><span style="color: black;">Yes. A Chapter 13 plan can be amended if changes in your financial affairs occur. However, sometimes it is possible to simply convert it to a Chapter 7. You should talk to us to explore the best options. </span></dd><h3><span style="color: black;">What if I previously filed a Chapter 13 but my case was dismissed? May I file another Chapter 13? </span></h3><dd><span style="color: black;">Yes, but it has many pitfalls, and should not be done lightly. Several technical things need to be done to keep the new one alive, and hold off the creditors. If you need to file a new case, call us and we will go over it with you. </span></dd><dd><span style="color: black;"> </span></dd><dd><span style="color: black;">Originally Posted by: </span><h3><span style="color: black;"><a href="http://www.fresnoforeclosurelawyer.com/index.html" target="_blank">The Law Office of Timothy C. Springer</a></span></h3><span style="color: black;"> </span></dd></dl>Law Office of Tim Springerhttp://www.blogger.com/profile/07221262136161808186noreply@blogger.com0