Top Government Agencies in Colorado Springs, CO 80945
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A Turning Point
By darrenlevingston November 23, 2014
It was nice to be around others that were trying to stop their drug of choice. ...read more
A Turning Point
By darrenlevingston November 23, 2014
It was nice to be around others that were trying to stop their drug of choice. ...read more
A Turning Point
By markga October 30, 2014
In.all my years I have never seen such hard worker and people that care. I loved the attention.and focus groups. ...read more
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Crucial Bankruptcy Information !!!
Crucial Bankruptcy Information There are bankruptcy alternatives. Don't think that a difficult financial picture automatically leads to bankruptcy. There are consumer counseling services available that will analyze all your financial information to see if alternatives such as stricter budgeting, a debt consolidation loan utilizing the equity in your home or a debt reduction plan makes better sense for you. You must choose a bankruptcy chapter. Virtually all individual filers choose either Chapter 7 or Chapter 13 bankruptcy. The two filings offer different protections and have some distinct differences. It's a good idea to lay out all your personal and financial information to an expert. A lawyer will use this bankruptcy information to choose one of the two chapters. Chapter 7 is a straight liquidation of assets and debts. There is an income qualification, based on the median income in your state or the absence of any significant disposable money to pay out to creditors. Virtually all unsecured debts are liquidated and a debtor can receive a discharge in as little as 4 to 5 months. Chapter 13 is often favored by debtors who earn higher salaries and can't qualify for Chapter 7, or who have property that could be seized by the bankruptcy trustee and sold and divided up among all creditors. Chapter 13 involves a repayment plan, usually 5 years, that allows debtors to protect virtually all property by including back due payments in the 5-year bankruptcy plan. For example, a debtor can avoid foreclosure by proposing payments over 5 years that will eventually take care of any back due amounts, which also remaining current on current mortgage obligations. The flexibility to retain property not protected by exemptions does not exist in Chapter 7. There is some flexibility with bankruptcy filing fees. Filing a Chapter 7 case will cost $299, while a Chapter 13 case will cost $274. It's possible to get the fees waived in Chapter 7 by showing the court your financial information that shows you are no more than 150 percent above the poverty level in your state. The filing fee cannot be waived in a Chapter 13 case, but it can be included into the repayment plan so that it is more affordable over a 5-year-period. Bankruptcy information will affect your credit score. In fact, bankruptcy is the most significant negative mark on a personal credit report and remains on the report for up to 10 years. However, this shouldn't scare you from filing for bankruptcy. If your financial situation is serious enough to consider bankruptcy, it's likely that you have already been late or payments or had other issues that have affected your credit score. Many creditors report their bankruptcy information not standing in the way of credit cards or car loans for long, with home loans available as soon as a year or two, though generally at higher rates. ...read more
By LP Paralegal July 18, 2012
How do you find a car accident attorney.
Most people will not be involved in a car accident in their lifetime or, even if they are, then it will not be worth claiming for and might only be a slight collision where no one was hurt or any damage caused was very slight at the most. If you are involved in one however then you need to get the right lawyer for you. Basically you need to hire an actual lawyer that predominately deals with car accidents. If you were trying to claim for a medical blunder while you were in hospital then you would obviously go and seek out a lawyer that specialised in this regard so this is why not just any lawyer will do and you will need to find one that has dealt with many cases like this before. In fact, one big aspect of this that the lawyers can deal with is the insurance companies. If you have ever had a vehicle accident then these firms can be very difficult to deal with however leaving this all in the hands of the lawyers is the best option. How can you find one though? Ask around your friends and family and even your friends̢۪ friends too and see if they have ever had a situation where they needed a car accident lawyer. This can be the best way because you are hearing their own personal experience however if this is not possible then look around the internet as you will find a vast resource of attorneys there. Indeed, it is also possible for you to put the name of the lawyer into a search engine as well and see what comes up as the internet is the best place for reviews both good and bad. ...read more
By LP Paralegal April 22, 2012
Get A Fresh Start
Get a fresh start immediately. As long as a debtor qualifies for Chapter 7 bankruptcy, a discharge in the case will generally come no later than 60 days following the Section 341 meeting of the creditors, which takes place 20 to 50 days after the bankruptcy filing. In a Chapter 13 case, a debtor proposes a repayment plan which lasts 5 years. For example, a debtor with $30,000 in unsecured debts, such as credit cards and loans not secured by collateral, might propose a repayment plan under Chapter 13 bankruptcy of $200 per month, to be divided among the creditors. In 5 years, the debtor will have paid $12,000, while continuing to remain under the strict supervision of the U.S. Bankruptcy Trustee. If that debtor qualified instead for Chapter 7 bankruptcy, the entire debt would have been wiped away in a matter of months ...read more
By LP Paralegal April 18, 2012