Legal Advice


personal bankruptcy law

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  • How do I find out all of my debt, in collections and past due?

    I'm going thru a divorce &learning of thousands of dollars in collection &more that are delinquent &on there way to a collection. Yesterday I learned of a credit card company that will settle for a % of the debt. I contacted this company &informed them that I have never applied for a credit card in my life. They had all of the personal info on me needed to apply for a credit card. I have a feeling that my soon to be ex applied for &received a card in my name. They informed me to go to the police dept. &fill out a fraud/identity theft form. Is this the correct action to take? I had trusted that my ex was taking care of our finances but apparently she wasn't. I will probably have to file bankruptcy. Should I do this after our divorce is final and the debts are divided or file together with my ex, before the divorce is final? I obviously want to know ALL of my debt that is out there. How do I go about finding this out? SOMEONE PLEASE HELP ME!!!!!!!!!!!!!!!!!!

  • I have a business that is falling with over 400,000 in credit card debt?

    and about 70,000 debt in personal credit if i close the business and file for personal bankrabtcy will i get dishcarge for the business debt as well especially that all the bsuiness bill comes under my name.

  • Personal Statement for College. HELP!?

    I'm writing my Personal Statement for College to do a HNC/HND in Business and would really appreciate any advice you could give me on my personal statement so far. Just really want to make sure I'm going along the right lines. Thanks! Ever since my parents decided to create a business in their spare time, I have been fascinated with the business world. Our family-run business has given me the inspiration to start my own business. A business orientated career is a competitive environment but I know I have the determination and motivation to do well. However, in order for me to succeed, I must widen my knowledge about business and this course would be an excellent opportunity to equip myself with the necessary skills to do so. Seeing my parents do something that they feel passionate about has encouraged me to become more involved in business. Whilst they make most of the strategic decisions about the business, I act as the sole receptionist out with of school - taking all bookings and organising any advertising. These responsibilities have made me as a person more organised and has developed my communication skills with customers. This is in contrast to my childhood where my uncle became Owner and Manager of my late granddad’s plumbing business. However, he had no formal qualifications relating to business and therefore his lack of knowledge of business eventually led to its bankruptcy. From this experience, at an early age I knew that in order to be successful in business you need to be determined, passionate and most of all hardworking. For four years I have worked in a business environment as a Sales Assistant. However, for the past two years I have gained significantly a number of different responsibilities as the business has developed and grown…

  • Will claiming personal bankruptcy allow the tenant to break a lease?

    More specifically, in Canada/Quebec? Is the tenant still responsible for their contract? Or can they leave without being liable?

  • What all happens when you file for bankruptcy?

  • What is the impact of blog writing to the society from a different point of views?

    (i.e.: politics, business, journalism).

  • Can I file personal bankruptcy without an attorney?

    I found a website for do-it-yourself filing. They make sure you get all the necessary forms for a nominal charge, but I wonder if I'm gonna get scammed.

  • What do Attorneys want their advertising budget to do?

    I I'm in sales for a TV station group and it's blowing my mind that attorneys are still investing so heavily in yellow pages. We have SO few attorneys who advertise on TV and Radio as they won't even consider it. The few who have shifted out of the yellow pages and into TV, particularly, have never looked back. They swear by it! So, from an attorney's perspective, what's the deal? What are attorneys looking from from their ad budget? Is it yellow page ego or fear of the unknown? I'd genuinely like to know what the real reason is.

  • Is Canada kind of a nothing place?

    Number of Banks that failed in 50 years? None Number of personal bankruptcies due to medical costs since 1964? None Number of times unemployment went above 9.1% since 1982? None Drop in housing values since 2000 by percentage? None Increase in prison population and violent crime by percentage? None Number of Wars Canadians have started? None Increase of Americans who have applied to immigrate to Canada since 2002? UP 100% So I guess that all the numbers aren't zero.......... Agree?? or Agree Strongly?? It's not just the Maple Syrup and Canadian Bacon and Timmie's is it?

  • Legal question: My father was terminated from his employement today. Do you think he has recourse?

    One of the items listed against him was that his house did not meet city codes. This was given told to him in a write up several months ago, as well as, city codes violations being issued to him (he worked for the city.) Over the past several months he did the upgrades needed to meet city codes at great financial strain, they fine you if the work isn't done in x number of days. Anyways, after meeting the city codes they now proceeded to terminated him today. He was an employee of over 20 years. Serving as the director of his department. We know that the real reason behind the termination was personal, however, that would be hard to prove. So staying with the termination itself, can you be terminated for the condition of your personal property and/or the financial state that you are in. I know you cannot be terminated for filing bankruptcy. So can you be fired for being poor?

  • How do I declare bankruptcy?

    Have many credit cards to pay off, some bills, and some rents unpaid. All total a bit more than 20000 i cannot afford to pay off all that and live well. My question is who do i declare bankruptcy, where i go and what i do? Do i need to hire a lawyer or there is way i can do it my self? I cannot afford a lawyer so i will be thankful if someone could give me an 1-800 number or something i could call to, or tell me what institution to turn to? Most detailed answer gets the points.

  • Ever hear of a company called "Digital Risk"???

    I filed for bankruptcy a couple years ago. this company is trying to get my former employer and current employer to fill out personal information about me. i dont think this is right and it sounds like a phishing scam. if you file for bankruptcy and wipe everything out thats it right?? because the courts got all my info, including income, and they generate a file number for reference for all of the companies i could not pay. this seems strange to me.

  • Chapter 7 &my corporate card?

    Filing chapter 7. I work for a defense contractor. Will I be able to keep my corp-card? Didn't include it in the list of creditors because I am only allowed approved expenses related to work-travel (meals, airfare, etc). Did not consider it "my" card. If anyone cares why we're in this boat, details below... 3 years ago we were in our nice little condo. Wife finished school &we could finally afford to buy a bigger house. We found the house we wanted (close to my parents &my work) when my dad's health forced him into early retirement. Thus, to be able to help my parents that house we WANTED became the house we NEEDED, &we bought it before selling the old house. Condo appraised $205. We only owed $178K, &that's when houses were selling in days (not weeks or months). Cleaned it up, replaced rugs, floors, paint, water-heater, etc. The day it listed the headline read "Bubble Bursts"...we sat in amazement while it was on the market 6mos. Got a NEW realtor &waited 6 more mos. After a year we broke down &rented it at a lost of $500/mo. Renters left the unit early &damaged. More $$$ to fix it up. I made 4 more mortgage-payments then stopped. By then the lender had failed to respond to 2 short-sale offers. Told the lender they screwed up at LEAST 2 chances for us to get out from under the condo, &informed lender I'd keep the utils on &keep the unit nice &appealing, but no more mort payments. They're screw-ups will not keep US on the hook for a house we could have sold by now. This condo has cost us about $40K over the 3 years we've been trying to sell it (trying to "do the right thing". We even had ALL other debts in a mgmt plan that was working well, but when our mortgage-mod requests were refused we had to quit the program. These banks destroyed the economy then took billions in bailouts to pay bonuses to each-other &throw super-bowel parties, but NOT lend $$$ to home-buyers. Plus they flooded the market w/ foreclosures. I have no qualms about the chapter 7. We did more than any reasonable coupe would have done. I can sleep at night. So, if you have good advice I appreciate the help. If you disagree w/ my decision to file it's too-late. If you have a nasty comment to make, walk a mile in my shoes 1st...

  • 20 ways to get rid of a telemarketer I just had to share this with you?

    1. If they want to loan you money, tell them you just filed for bankruptcy and you could sure use some money. 2. If they start out with, "How are you today?" say, "I'm so glad you asked, because no one these days seems to care, and I have all these problems. My arthritis is acting up, my eyelashes are sore, my dog just died . . . " 3. If they say they're John Doe from XYZ Company, ask them to spell their name. Then ask them to spell the company name. Then ask them where it is located, how long it has been in business, how many people work there, how they got into this line of work if they are married, how many kids they have, etc. Continue asking them personal questions or questions about their company for as long as necessary. 4. (This works great if you are male) Telemarketer: "Hi, my name is Judy and I'm with XYZ Company. " You: Wait for a second and with a real husky voice ask, "What are you wearing?" 5. Cry out in surprise, "Judy? Is that you? Oh my God! Judy, how have you been?" Hopefully, this will give Judy a few brief moments of terror as she tries to figure out where she could know you from. 6. Say "No" over and over. Be sure to vary the sound of each one, and keep a rhythmic tempo, even as they are trying to speak. This is most fun if you can do it until they hang up. 7. If MCI calls trying to get you to sign up for the Family and Friends Plan, reply, in as sinister a voice as you can, "I don't have any friends, would you be my friend?" 8. If the company cleans rugs, respond: "Can you get out blood? Can you get out goat blood? How about human blood?" 9. After the Telemarketer gives his or her spiel, ask him or her to marry you. When they get all flustered, tell them that you can't just give your credit card number to a complete stranger. 10. If the Telemarketer is selling raffle tickets, tell him or her that you work for the same company, and that employees cannot participate. 11. Answer the phone. As soon as you realize it is a Telemarketer, set the receiver down, scream, "OH MY GOD!" and then hang up. 12. Tell the Telemarketer you are busy at the moment and ask if he/she will give you their home phone number so you can call him/her back. When the Telemarketer explains that telemarketers cannot give out their home numbers say, "I guess you don't want anyone bothering you at home, right?" The Telemarketer will agree and you say, "Me either!" and proceed to hang up. 13. Ask them to repeat everything they say, several times. 14. Tell them it is dinner time, but ask if they would please hold. Put them on your speaker phone while you continue to eat at your leisure. Smack your food loudly and continue with your dinner conversation. For added effect, clanging of cutlery and dishes is recommended. 15. Tell the Telemarketer you are on "home incarceration" and ask if they could bring you some beer. 16. Ask them to fax the information to you, and make up a number. 17. Tell the Telemarketer, "Okay, I'll listen to you. But I should probably tell you, I'm not wearing any clothes." 18. Insist that the caller is really your buddy Leon, playing a joke. "Come on, Leon, cut it out! Seriously, Leon, how's your momma?" 19. Tell them you are hard of hearing and that they need to speak up... louder... louder! 20. Tell them to talk very slowly, because you want to write every word down.

  • Can my name be put on my husbands business account so i can take money out or deposit it?

  • Can creditors go after the owner(s) of an S-Corp?

    My brother and myself started a computer consulting company back in 1998. The IT consulting business has slowed down a lot, and we lost our last contract a few months ago. We have accumulated 15k debt on business credit card and a collection agency is harassing my family. The company has been incorporated ( S-Corp ) since 1999 and the credit card is linked to the business and not our personal credit. The company is completely belly up with no money left in the checking account. No money. No assets. Can the creditor sue me personally? Will the creditor sue my S-Corp which has no money? Should I file bankruptcy for the S-Corp ( incorporated in Wisconsin ) any thoughts about how much that would cost? Thank you for any help or advice.

  • Debt consolidators in Chicago, are they for real? Which one can I trust based on personal experience.?

  • What is the difference in Chapter 13 and Chapter 7 bankruptcy?

    Please give answers that are EASY to read and not the ones that I can search online w/ tons of legal jargon. I am trying to really understand this.. questions I have are: what's the difference? which one can you keep your cars in? which one would one need to eliminate credit card debt only?

  • Bankruptcy?

    Im looking to file for bankruptcy and kinda need to know the new laws. I have googled it but didnt really understand it. Maybe is someone broke it down to me I would get it easier. Right now I read that they took some of your property and sold it to give to the collectors. Does that mean they could come into my house and grab my guns and sell them?

  • Does any1 know which airlinegives the biggest salary and best benefits for flight attendants?

    hi, i just graduated recently, and im planning on applying for a FA job..but i dunno where to start.. i recently browsed over emirates an etihad airways.im not sure about other airlines available out there..but still undecided...help pls....and email me back [email protected] would greatly appreciate it..ty