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  • Chapter 13 Bankruptcy - Chapter 13 Law Resources - LawInfo
    of the papers have been filed and the fees paid the court will appoint an impartial trustee to oversee the case This trustee will oversee everything related to the case from the evaluation of the information provided by the debtor to the eventual disbursement of payments to creditors pursuant to the court approved payment plan What are the Advantages to Chapter 13 Bankruptcy There are several advantages to filing for Chapter 13 bankruptcy if your debt to income ratio makes it impossible to meet your debt obligations First once you file for Chapter 13 bankruptcy protection your creditors should stop most collection efforts There are only limited collection efforts that may continue pursuant to federal bankruptcy law Chapter 13 can be used to protect a home from foreclosure The filing for Chapter 13 protection will temporarily stop the foreclosure from proceeding and allow the debtor to become current on his or her mortgage payments over a defined period of time Another advantage to a Chapter 13 bankruptcy is that it puts the debtor back in control It is the debtor who proposes the repayment plan to the court While the creditors have the right to object to the plan and then plan needs to be approved by a bankruptcy judge it is the debtor who makes the initial proposal and who must agree to any revisions to that proposal A Chapter 13 discharge is a complicated legal matter However when the matter is discharged the debtor is free from all obligations to the creditors involved in the bankruptcy proceeding and can begin rebuilding his or her credit score and financial life Find qualified local Chapter 13 Attorneys on LawInfo Or click to find Chapter 13 Attorneys in a specific location Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of

    Original URL path: http://www.lawinfo.com/chapter-13-bankruptcy.html (2016-02-15)
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  • Foreclosure - Foreclosure Law Resources - LawInfo
    you are facing a foreclosure an experienced foreclosure attorney may be able to develop a solution that could lead to you being able to stay in your home The information on this page is meant to provide a general overview of the law The laws in your state and or city may deviate significantly from those described here If you have specific questions related to your situation you should speak with a local attorney or find qualified local Foreclosure Lawyers on LawInfo Or click to find Foreclosure Lawyers in a specific location Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Share this information Search LawInfo s Foreclosure Resources Additional Foreclosure Articles A Homeowner s Rights During Foreclosure How do creditors get paid when foreclosing on a house to satisfy unpaid debts When and why does foreclosure begin Foreclosure An Overview How To Avoid Foreclosure What is acceleration I have already filed for bankruptcy Will the Homeowner Affordability and Stability Plan help me keep my home I ve fallen on bad times and am having trouble paying my mortgage What should I do The Mortgage Forgiveness Debt Relief Act of 2007 What happens when you miss your first mortgage payment More Foreclosure Resources Top Related Foreclosure Topics Foreclosure Scams Judicial Foreclosure Non Judicial Foreclosure Still have questions Contact experienced Foreclosure Lawyers on LawInfo com or learn more about Real Estate Find an Attorney in Your Area Legal Issue e g Personal Injury Location Area Code OR

    Original URL path: http://www.lawinfo.com/foreclosure.html (2016-02-15)
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  • Chapter 11 Bankruptcy - Chapter 11 Law Resources - LawInfo
    debt stay in business and not pay off their responsibilities Creditors are often given partial or full ownership of the reorganized company if the original owners can not satisfy their debts So while the owners may lose control of their business the employees of the business generally continue to have their jobs and the creditors of the business get their money What Happens Pursuant to Chapter 11 When a business files for Chapter 11 the business is provided an opportunity to propose a reorganization plan If an agreement with creditors is not reached during that time then the creditors are provided with an opportunity to propose a reorganization plan The plans must meet specific criteria in order for to be approved by the bankruptcy court If a reorganization plan is not reached and agreed to by the creditors then the Bankruptcy Court can either convert the case to a Chapter 7 bankruptcy proceeding or it can discharge the case entirely Creditors of businesses who file for Chapter 11 bankruptcy protection are paid in the same order as they are in other bankruptcy proceedings Specifically secured creditors are paid first and then unsecured creditors are paid according to the rules set forth in federal statute Nobody wants to file for bankruptcy Business owners are not eager to give up control of their company in this way However Chapter 11 is designed to protect the greater good It protects the jobs of the existing employees and it keeps the business going so that it can make the money necessary to pay off its existing creditors The information on this page is meant to provide a general overview of the law The laws in your state and or city may deviate significantly from those described here If you have specific questions related to

    Original URL path: http://www.lawinfo.com/chapter-11-bankruptcy.html (2016-02-15)
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  • Chapter 12 Farmers Bankruptcy - Chapter 12 Farmers Bankruptcy Law Resources - LawInfo
    considering filing a Chapter 12 petition to keep their assets should seek the advice from an attorney who practices bankruptcy law to help them prior to filing The information on this page is meant to provide a general overview of the law The laws in your state and or city may deviate significantly from those described here If you have specific questions related to your situation you should speak with a local attorney or find qualified local Chapter 12 Farmers Bankruptcy Attorneys on LawInfo Or click to find Chapter 12 Farmers Bankruptcy Attorneys in a specific location Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Share this information Search LawInfo s Chapter 12 Farmers Bankruptcy Resources Additional Chapter 12 Farmers Bankruptcy Articles How Can A Chapter 12 Bankruptcy Attorney Help Me To Keep My Farm Do I need an attorney to file a Chapter 12 Bankruptcy How will an attorney help me with my Chapter 12 Bankruptcy I have failed to make my Chapter 12 plan payments do I need an Attorney My company is a Corporation should I hire an attorney to help me obtain Chapter 12 Relief Still have questions Contact experienced Chapter 12 Farmers Bankruptcy Attorneys on LawInfo com or learn more about Business Bankruptcy Find an Attorney in Your Area Legal Issue e g Personal Injury Location Area Code OR City State Advanced Search Options Popular Searches Chapter 11 Bankruptcy Chapter 12 Farmers Bankruptcy Chapter 7 Business Bankruptcy Chapter 12 Farmers

    Original URL path: http://www.lawinfo.com/chapter-12-bankruptcy.html (2016-02-15)
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  • Dischargeability Defense - Dischargeability Defense Law Resources - LawInfo
    debts The discharge is a court order prohibiting creditors from collecting on the debt or pursuing you for repayment If a creditor suspects that you have not been honest acted fraudulently or never intended to repay a loan the creditor may file a lawsuit asking the bankruptcy court to deny discharge of the debts If a creditor succeeds in getting the discharge denied you will not have the protections of the bankruptcy court as to that creditor and you may be required to pay the entire amount owed Also the creditor may start or resume actions to collect the debt Preparing Your Dischargeability Defense A creditor s lawsuit might allege that you embezzled money or fraudulently applied for credit or falsely reported your assets The bankruptcy code sets out the elements for proving the various kinds of behavior deemed dishonest or fraudulent The creditor has the burden to prove such allegations but you have to defend against the allegations if you want the court to grant and uphold the discharge of your debts To mount your defense you will have to file documents in court to answer the creditor s complaint against you You will have to put forth arguments in person or on paper to counter the allegations You may have to negotiate with the creditor or appear at a court hearing to give testimony Share this information Search LawInfo s Dischargeability Defense Resources Still have questions Contact experienced Dischargeability Defense Attorneys on LawInfo com or learn more about Bankruptcy Find an Attorney in Your Area Legal Issue e g Personal Injury Location Area Code OR City State Advanced Search Options Popular Searches Chapter 13 Bankruptcy Chapter 7 Personal Bankruptcy Foreclosure Dischargeability Defense Videos Bankruptcy Discharge Of Debts Are Spouses And Cosigners Still Liable Advertisements Find An Attorney By

    Original URL path: http://www.lawinfo.com/dischargeability-defense.html (2016-02-15)
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  • Landlord Tenant Law - Landlord Tenant Law Resources - LawInfo
    will be free of pests and have access to clean drinking water In some areas where the temperature can rise to deadly levels in the summer the warranty of habitability may also include the unit must have air conditioning Constructive Eviction Constructive eviction occurs when the property is or becomes uninhabitable to the point where the tenant cannot have full possession and use of the property and is thus evicted A landlord s breach of habitability or covenant in the lease may allow the tenant to withhold rent repair the problem and deduct the cost from the rent or recover damages The information on this page is meant to provide a general overview of the law The laws in your state and or city may deviate significantly from those described here If you have specific questions related to your situation you should speak with a local attorney or find qualified local Landlord Tenant Lawyers on LawInfo Or click to find Landlord Tenant Lawyers in a specific location Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Share this information Search LawInfo s Landlord Tenant Resources Additional Landlord Tenant Articles Landlord Tenant Law Eviction Procedures Do I need to have a lawyer if I m being evicted Misc Landlord Tenant Definitions Can I Sublet My Apartment Tenants Rights to Abandon a Lease How to Deal With Being Evicted How to End a Residential Lease Early Dealing with Noisy Neighbors Pets Essential Terms for a Lease Agreement More

    Original URL path: http://www.lawinfo.com/landlord-tenant.html (2016-02-15)
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  • Credit Counseling - Credit Counseling Law Resources - LawInfo
    Area Code OR City State Advanced Search Options Popular Searches Chapter 13 Bankruptcy Chapter 7 Personal Bankruptcy Foreclosure Credit Counseling Videos Can Monthly Credit Card Payments Be Reduced Advertisements Find An Attorney By Practice Area By Location By Name Resources Hot Legal Issues Legal Forms Legal Library Law Videos Consumer Blog Forums For Attorneys Legal Marketing LawInfo About Us Jobs Partners Contact Us Authors Español Legal Copyright Notice Privacy Policy

    Original URL path: http://www.lawinfo.com/credit-counseling.html (2016-02-15)
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  • Personal Bankruptcy Alternatives - Personal Bankruptcy Alternatives Law Resources - LawInfo
    you are unable to pay your monthly bills Some of the common hardships include Loss of income Loss of employment Decreased income due to job change Divorce Medical issues In addition to negotiating your debts with your creditors these organizations will assist you by providing you with counseling and educational material on managing your finances If you are facing bankruptcy and you have at least 5 000 in unsecured debts you may want to consider this option because you could potentially be debt free in as little as 24 to 36 months without having to secure a loan or declare bankruptcy This does reflect on your credit report but it is not as bad as having a bankruptcy because it shows that you have taken responsible and positive action in resolving your problems which could reflect more favorably when you are back on your feet financially and looking to secure a loan A bankruptcy lawyer may assist you personally or refer you to a non profit organization that can help you Credit Counseling Some organizations offer credit counseling and debt consolidation plans These programs will help you reduce overall monthly debt save on interest fees help you to establish a monthly household budget improve your credit rating by paying creditors in a timely fashion and end collection calls to your house Usually upon entering a debt management or credit card consolidation program you would have to close your credit card debt accounts as well as others Your fixed monthly consolidated payment is then calculated according to the lowest payment amount accepted by your creditors The agency you through which you have secured the loan and hired to provide credit counseling services will distribute the amount of your fixed monthly consolidated payment to each creditor Most creditors will only reduce or stop your interest fees if their minimum payment is met However the interest rate reduction with these programs can range from no change to the freezing of interest depending on the creditors policy This can save you thousands because rates that are usually 12 24 can get reduced to 10 8 6 or 0 Sometimes the agency may also be able to negotiate away late fees and back interest as well This can save you thousands of dollars Why would creditors be willing to do this The reason that creditors are willing to do this is simple they know that if you are seeking credit counseling you are taking responsible action to avoid filing bankruptcy If you file bankruptcy unsecured creditors often receive nothing and they feel it is better to get a partial amount than nothing at all Contact a bankruptcy lawyer to see if credit counseling could be a good option for you Debt Consolidation Loans Debt consolidation loans can offer a debtor a fresh start on the road to more healthy personal finances The advantages of a debt consolidation loan are that you may consolidate secured debts in addition to credit card debts and interest charges may

    Original URL path: http://www.lawinfo.com/bankruptcy-alternatives.html (2016-02-15)
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