Bankruptcy Law Firm FLa.

After having actually assisted literally tens of hundreds of bankruptcy clients, our personal bankruptcy legal representatives have the experience to discover the most effective service to your distinct financial difficulties, consisting of possibly applying for personal bankruptcy under Chapter 7 or Chapter 13 of the United States Bankruptcy Code. If you are filing personal bankruptcy in Ohio, we might be able to assist you:

  • Stop garnishments as well as wage attachments
  • Stop foreclosure of residential property
  • Stop repossession
  • Quit collection actions and suits
  • Obtain your utilities transformed back on
    We will certainly request the insolvency court to discharge some, if not all of your financial debts, or safeguard you to ensure that you can consolidate financial debts and also get a practical strategy to pay them off.

Florida

Benefits of Judicial Internships - Bankruptcy

 Debt Consolidation Loans Florida in Florida On October 17, 2005 President Bush's sweeping bankruptcy reform law goes into effect forever changing the rules of debt collection in this natiion. Consumer advocates and the public appear to be completely unaware of the total and complete victory of the creditors under the new legislation. This article opens the door to the Trogan Horse so that consumers can prepare themselves for the worse.The most important aspect of the bankruptcy code was the "automatic stay" provision. This allowed consumers to file for bankruptcy at anytime during the creditor's collection process putting an immediate stop to all contact and collection activities from the creditor. The new law requires that a debtor receive credit counseling from an approved non-profit credit counseling agency for 180 days prior to filing Chapter 7 or Chapter 13 bankruptcy.While this may sound benevolent, a much closer look at the practical effect of this provision reveals the crafty peeling of the debtor's rights. The 180 day requirement is to provide the credit counseling agency the opportunity to work out payment plans with creditors. However, during this same period of time the creditor is not restrained from collection efforts. For example, Margaret is a homeowner in Jacksonville, Florida and is six months behind on her mortgage. As a rule, credit counseling agencies only work with credit card companies and have little or no training with dealing with mortgage companies.After receiving foreclosure papers, Margaret goes to see her attorney to file for bankruptcy and is told that she must first seek credit counseling before filing for bankruptcy protection. Meanwhile, the foreclosure proceeds on schedule and a sale date is set 120 days later. However, Margaret still has not completed her 180 day requirement. What will happen to Margaret's home? That's right! The home will be sold and she cannot stop the sale by filing bankruptcy.This is the most sweeping shift in debt collection in the past 50 years. Margaret's only hope will be to work out a repayment plan or a loan restructure with her mortgage company. This is a process called loss mitigation and is explained in great detail to consumers in our new book, How to Save Your Home, ISBN#09753754-0-7, $19.95, SYH University, LLC, 2005 which is sold at Amazon.com.Loss Mitigation works because lenders lose an average of $28,000 to $50,000 per foreclosure nationwide. It is a myth that the lender wants your home and makes a profit off of foreclosure. A lender has to pay attorney fees, court and collection costs, maintain fire insurance, hire a real estate professional, repair structural and other damage to the home, and pay property taxes. The homeowner can work out an agreement with the lender in over 90% of cases. Our company has provided housing counseling service to thousands of homeowners and loss mitigation absolutely works.In conclusion, it is up to the consumer to educate and prepare themselves for worse case scenarios. How to Save Your Home is an excellent training tool and will teach homeowners how to protect themselves under the new bankruptcy law. Most Americans do not have health or disability insurance and are vulnerable to job layoffs because of a stagnant economy. Who amongst us is immune to heart attacks, business failure, strokes, law suits, tax liens or other challenges that life sometimes presents. One pay check is literally what separates many families from home security and despair and the new bankruptcy law will severely punish those who slip behind on their mortgage payments.

 

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IntroductionAt times, one may experience economic circumstances due to unexpected expenses, unfavorable loans with high interests, or a multitude of other reasons which are specific to the individual. Bankruptcy offers options. The state of bankruptcy is not easy for anyone. None the less, one has to go through it if the situation arises. However, it is not necessary to surrender everything one can always use legal exemptions that may allow the individual to keep certain assets.ExemptionThe allowable exemptions in Florida are dependent on the client filing for bankruptcy in a Florida Federal Court. At times, it may be the house or if the spouse or child of the late homeowner who would want an exemption on a homesteaded house. There are different laws to define exemption of properties from creditors. In Florida, you will have a homestead exemption most of the times. This homestead exemption does not extinguish the mortgage on the house.While filing for bankruptcy, you need to mention the properties on which you seek exemption. However, if the property itself has been used as a security against the loan then it is not possible to exempt it. Hence, it is necessary to look into allowable exemptions before seeking them.Other exemptions include one vehicle worth up to $5,000.00 furnishings worth $1,000 under current market value, retirement accounts, annuities, 401k plans, 529 Education plans, certain pensions and ERISA accounts and certain types of personal medical equipment or handicap tools.If you are not fully versed in Federal Law and Florida Law exemptions, then it is best that you hire a lawyer. The lawyer will help you with all the woes relating to Federal Law and Florida Law exemptions.Filing for BankruptcyAt the time of filing for bankruptcy all debt and assets should be disclosed to the Court and trustee. This usually takes the form of an affidavit and answering questions from an appointed trustee under oath. It is a painstaking situation. Once you file for bankruptcy, your miscellaneous earnings, benefits, pension, real estate etc. will be looked into, specially the last six months prior to filling.The laws of Florida integrate with the U.S bankruptcy code. Florida has a separate set of laws of its own. These are known as state laws. The main application of the State Laws are the particular exemptions that the State of Florida permits as outlined above.Additionally, in terms of income, in Florida, you will be exempted from benefits provided by certain State administered plans, a percentage of your wages (usually 75%), and certain benefits provided to civil servants and veterans. The laws for rail road workers, fishermen, seaman etc. are different from those that apply to general public. These laws are formulated under specially regulated federal labor market laws.Chapter 7Chapter 7 is also known as complete liquidation of unsecured debt. In such case, all the assets of the bankrupt except the exempted ones are sold away so that the creditors can have a portion of their money back. The conclusion of a Chapter seven is signified by a Court Ordered Discharge. Once the discharge has been entered, the debtor is free from the discharged debt and former creditors are prevented from any further harassment against the former debtor.Certain types of debts, however, are not dischargeable. These include certain types of alimony, child support, some taxes, student loans, and other federally regulated debt. The most common discharge are medical bills and Judgments.

Areas We Serve in Florida

Boca Raton | Boynton Beach | Delray Beach | Lake Worth | Palm Beach Gardens | West Palm Beach | Atlantis | Belle Glade | Boca Raton | Boynton Beach | Delray Beach | Greenacres | Lake Worth | Pahokee | Palm Beach Gardens | Riviera Beach | South Bay | West Palm Beach | Westlake | Fort Pierce | Port St. Lucie | Towns | St. Lucie Village | Tradition | Fort Pierce North | Fort Pierce South | South Hutchinson Island | Indian River Estates | Lakewood Park | River Park | White City | St. Lucie County | Palm Beach County

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After having actually helped essentially 10s of countless personal bankruptcy customers, our personal bankruptcy legal representatives have the experience to locate the finest solution to your unique monetary problems, consisting of possibly declaring personal bankruptcy under Chapter 7 or Chapter 13 of the USA Personal Bankruptcy Code. If you are filing insolvency in Ohio, we may be able to help you:

  • Quit garnishments and also wage accessories
  • Stop repossession of home
  • Quit repossession
  • Stop collection actions as well as claims
  • Get your energies turned back on
    We will seek the personal bankruptcy court to discharge some, if not every one of your financial debts, or protect you to ensure that you can combine debts and get a sensible plan to pay them off.

Florida

Bankruptcy Lawyers - What They Can Do For You

 Best Bankruptcy Attorney In Fla. in Florida Business lawyers and attorneys can advise you on how to properly structure your business, (be it through a sole proprietorship, partnership, joint venture, corporation), on how to deal with disputes that may have arisen during the course of your business operations, or on how to dissolve the business. With respect to the latter, it is worth mentioning that I have and am dealing with a number of business dissolutions here in Toronto (it may be the poor economic times?). There are a number of issues which come up which you may not realize (i.e. unless you're a lawyer and you are trained on and deal with these things regularly). Typically, these issues include:* Division of business assets.* Responsibility for business liabilities - particularly the lease, supplier agreements, employment agreements, and tax obligations.* Preparing the necessary paperwork (e.g. bookkeeping, taxes, government forms) to dissolve the business.* Ensuring compliance with the business' internal documents (e.g. partnership agreement, corporate by-laws and resolutions, shareholder agreements, and articles of incorporation, etc.).* Informing customers (both past and present), employees, and other stakeholders of what is happening with the business. At the end of the day, you will likely need a number of documents and agreements prepared by a business lawyer in order to help oversee the business dissolution. For example, you should have a lawyer explain the various options and then draft some type of dissolution agreement for all the parties to sign off on. Next, you may need your lawyer to draft and/or negotiate terminate and release of liability agreements for landlords and suppliers, etc. Finally, your lawyer may be called upon to prepare the government forms to submit in order to dissolve the corporation. Finally, if business partners take issue with and dispute the steps along the way towards dissolution, then lawyers may be also called upon to try to negotiate a settlement or resolve the issues through litigation.In any event, you should definitely consult a business lawyer before trying to do any of these things yourself. Doing so will save you time, money and aggravation in the long run and make sure that your rights are protected and your interests are advanced.Business lawyers and attorneys can also help you understand your legal rights and obligations with respect to your business. They can tell you if a particular course of action could be challenged by (1) breaching a private contract, (2) giving rise to a possible tort liability, and/or (3) violating a statute or regulation established by the government.Let's take the common example of establishing a restaurant business.To begin, there may be partners who want to invest money in the business. This calls for a partnership or corporation type of structure. There will need to be agreements that reflect the wishes of the partners; issues such as ownership, control and management, liabilities and indemnification, and dissolution all need to be addressed and included in such agreements (plus many other things).Next, there may be issues with vendors - i.e. the suppliers of labour, assets, inventory, and services. Take the case of the skilled labourer who has been hired to do a certain job in the kitchen (e.g. to install a dishwasher or stove). There should be a contract in place between the parties so that everyone is clear on what they bargained for. Also, these types of agreements are always resort to in cases of dispute. What happens, however, if the skilled labourer does a poor job and you know that the work is sub-par? Should you simply go ahead with what you've been provided or should you hire another skilled labourer to do a better job? Failing to do the latter could result in negligence claims should anyone get hurt as a result of the skilled labourer and your negligence in failing to take appropriate action. Finally, before you begin to operate, you need to obtain the necessary business licenses - such as a liquor license from the government agency responsible (e.g. Liquor Control Board) and a safety permit indicating that your establishment has passed minimum health and safety standards and can offer food to the public. What happens, however, if the relevant government agency refuses to provide you with such license - effectively keeping your business shut down? Well, in these situations, it is wise to consult with a business lawyer or attorney to find out what your rights are, what tests/criteria you need to establish in order to obtain the license, and then have your business lawyer make submissions and representations before the relevant board in an effort to convince them to grant you a license.

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Estate settlement and estate planning are important parts of planning for the future and the security of one's near and dear ones. These are part of an individual's last will and testament. And in the preparation of all these, the role of a probate lawyer is important who are generally experts in executing the last will and testament of an individual as per his or her wishes. To help with estate administration duties, it is important to record and draft legal papers through the court and for this, the estate executors have full independence to hire lawyers who are experts in these documentation processes. There are generally two kinds of probate lawyers and they are probate litigators or transactional litigators. It is typically the transactional lawyers that handle duties which are related to the estate. On the other hand, when the heirs challenge the will or there are family disputes regarding the same the probate litigators are responsible for looking into the matter and coming up with an agreeable solution. Transactional lawyers are sought out when there is a need for submitting the death certificate and the last will and testament. If there is no will and there is confusion regarding the last wishes of the deceased, generally the estate settlement lawyers are required by the transactional attorneys to assist in the estate settlement procedures. There are some common estate duties like obtaining affidavits for real estate transfers; sending creditor notification letters; filing final tax returns, and drafting 'consent to transfer' forms for financial accounts. If and when the heirs contest the will or if there are any lawsuits regarding the same then probate litigators are hired to defend the estate during the probate process. When it comes to the distribution of assets or properties and mediating the disagreements or disputes that might arise in the process the probate litigators can come in handy to solve all of it in an amicable manner. There are even some probate lawyers who have the skills and the qualifications of handling both the litigation and transactional cases. But it is always wise to check out at least three or more attorneys when someone is thinking of seeking the services of an attorney. There is no point in hiring the first one that comes along if ultimately he or she is not suited to do the duties which are best suited for the interests of the estate.When a near one expires the whole family goes into mourning and it is a difficult time for them to say the least. It becomes a torture to think about estate planning and settlement when one is going through the process of grieving. Therefore, it is wise to seek the assistance of the estate lawyer who was involved in executing the will of the departed soul. But, it is also important that the estate settlement lawyer has the necessary attitude and personality for the proper administration of the estate. It is a sensitive matter and therefore the lawyer should be empathetic and should understand the dimensions of the family relationships so that the process is handled in a compassionate and gentle way, or otherwise the entire settlement process becomes a harassing experience. By engaging in estate planning strategies previous to death, individuals can avoid probate and all the disputes that result when there is no will and testament. It is a complex matter, to say the least when it comes to handing over the ownership of assets and properties and therefore all the documentation should be done in a proper manner so that there are no gaps while they are required to be filed at the court of law. Hence while appointing a lawyer many factors should be considered and then only the right attorney should be employed who can do justice to their roles.

Areas We Serve in Florida

oca Raton | Boynton Beach | Delray Beach | Lake Worth | Palm Beach Gardens | West Palm Beach | Atlantis | Belle Glade | Greenacres | Lake Worth | Pahokee | Palm Beach Gardens | Riviera Beach | South Bay | Westlake | Fort Pierce | Port St. Lucie | Towns | St. Lucie Village | Tradition | Fort Pierce North | Fort Pierce South | South Hutchinson Island | Indian River Estates | Lakewood Park | River Park | White City | St. Lucie County | Palm Beach County

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After having actually assisted literally 10s of thousands of bankruptcy clients, our bankruptcy lawyers have the experience to find the very best solution to your unique monetary troubles, consisting of potentially declaring personal bankruptcy under Chapter 7 or Chapter 13 of the United States Bankruptcy Code. If you are filing bankruptcy in Ohio, we may be able to aid you:

  • Stop garnishments and also wage add-ons
  • Quit foreclosure of home
  • Quit repossession
  • Stop collection activities and lawsuits
  • Obtain your utilities turned back on
    We will certainly request the bankruptcy court to discharge some, if not all of your financial obligations, or protect you to ensure that you can settle financial obligations and get a sensible strategy to pay them off.

Florida

Top Bankruptcy Lawyers

 Chapter 11 Bankruptcy Lawyer in Florida The following are six main points that highlight the functions of a lawyer.1) Representation of clients in court - especially when charges are leveled against the client by a third party such as the state or another person concerning crimes or criminal actions allegedly taken by the client. Otherwise, the lawyers draw up papers against an offender who is believed to have violated the rights of the client, and stands for the client in court.2) Drafting of papers and doing legal research on behalf of the client - such as in the writing of briefs and research into relevant facts concerning a particular case. Most of the hard work is done by the lawyer, while the clients merely need to show their face. 3) Providing the client with legal advice concerning actions that need to be taken - also after due research into the law or constitution with regard to a particular situation at hand. The lawyer advises the client on what best course of action to take to best resolve the situation without running afoul of the law.4) Procurement of patents and copyrights to protect the intellectual property of the client - especially with respect to business. An idea, a trade secret, or an important chemical formula all fall into this category. The lawyer goes to lengths to help the client formally register the products with the government or respective governing body to receive the highest level of protection under law. 5) Executing the last wishes of the deceased - such as a written will stating their precise desires in black and white, a trust, etc. The lawyer helps to see to it that these wishes are carried out to the letter.6) Prosecution of criminal suspects in court - this is applicable if the lawyer is working for an arm of government, say the Police Department, the Department of Justice, or the District Attorney's Office.

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Though any business is profit-oriented, what determines its reputation is its business ethics. Their reputation is usually reflected in its accounting procedures.Even if a business organization follows ethical accounting standards, there is a chance it will face a financial loss due to external factors, such as a decrease in purchase orders, shortage of raw materials, transport problems and so on. These are times when businesses need guidance. This guidance is offered by business lawyers.Unlike injury lawyers or civil and criminal lawyers, who work in courts of law, a great majority of business lawyers work in private firms as legal advisors on consultancy terms, or for the Federal and state government.Business lawyers help businesses grow without any problems with Federal and state rules and regulations. For example, one business lawyer may help a business firm to raise its capital. Another business lawyer may help a commercial firm by letting all employees sign an agreement so as to prevent its employees from starting their own competing businesses using the firm's trade secrets.Business lawyers are specialized in handling all important aspects of running a good and effective business enterprise on ethical principles. They handle dealer practices, contracts of employment, mergers and acquisitions, securities, shareholder issues, trade secrets, business fraud and all other related issues. Many business lawyers represent the business organization for which they work, in any dispute.Some business lawyers also handle cases for individual employees in business houses, for example in a case when a worker is fired without being paid the compensation that he deserves. Business lawyers in Florida work in specialized areas such as antitrust and trade regulations, business litigation, labor and employment, taxes, workers' compensation and other related matters.All lawyers working in Florida are obligated to be members of the Florida Bar Association, an official organ of the Supreme Court of Florida. The bar regulates the functioning of all certified lawyers in the state.The official website of the Florida Bar Association, http://www.floridabar.org, is an excellent resource for finding business lawyers in the Sunshine State. Apart from guiding interested businesses and individuals to locate business lawyers in Florida, the website hosts pamphlets of information on `Buying a Business Opportunity,' `Buying a Franchise,' `Client's Security Fund,' and other topics which will be of immense use to a business owner or a prospective business owner.

Areas We Serve in Florida

oca Raton | Boynton Beach | Delray Beach | Lake Worth | Palm Beach Gardens | West Palm Beach | Atlantis | Belle Glade | Greenacres | Lake Worth | Pahokee | Palm Beach Gardens | Riviera Beach | South Bay | Westlake | Fort Pierce | Port St. Lucie | Towns | St. Lucie Village | Tradition | Fort Pierce North | Fort Pierce South | South Hutchinson Island | Indian River Estates | Lakewood Park | River Park | White City | St. Lucie County | Palm Beach County

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