Top Legal and Financial Services in Wilmington, DE 19804
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Potter, Carmine & Associates, P.A.
By JoanneJimenez May 16, 2016
They really looked out for me while they were handling my claim. ...read more
Potter, Carmine & Associates, P.A.
By sarak February 18, 2016
I've used Potter Carmine & Associates, P.A. for a few years now. My attorney is always able to explain legal matters clearly to me. ...read more
Potter, Carmine & Associates, P.A.
By JoyB4521 December 14, 2015
Potter Carmine & Associates has been great. So far, my husband and I have used them twice. We recommend to all. ...read more
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How To Get The Best ProAdvisor Support For QuickBooks?
The accountants and business owners have recognized the potential of QuickBooks to empower the small and medium-sized businesses. With the help of the QuickBooks, you can manage your vendors & clients and track your sales and expenses accurately. With the help of a QuickBooks ProAdvisor support, you can utilize QuickBooks without any kind of the technical hindrances. It is very essential to hire a ProAdvisor for your business to make your day-to-day accounting smooth. But before you hire a certified QuickBooks professional for your business, you need to keep certain things in your mind as mentioned below- What Is Your Purpose To Hire A ProAdvisor A ProAdvisor is a certified accountant professional who can take the responsibility of your business without bothering you again and again. If you think your business needs a specialist professional to manage every aspect of your business accounting if is a good idea to get theQuickBooks ProAdvisor Support and execute your business strategies perfectly. Ask For Referrals From Your Trusted Contacts If you are getting a reference from your trusted friend or colleague, more likely you will get an expert professional for your business accounting. The possibility of having a novice gets diminished to a great extent. Get The Professional Assistance You may also ask the professionals by contacting a QuickBooks ProAdvisor support number where you can get a comprehensive support to get a trusted ProAdvisor. Check-Out Online Accounts And Reviews Of The Professionals You may also look for the professional online and check their profile where you can find the genuine ratings from their clients. Get Clear About The Rates Before hiring a ProAdvisor, it is very important to be clear about the rates to avoid any future conflicts. When money is a driving factor for your business, then you just can not ignore this important aspect of your business. Establish How Often You Need To Contact Before You Hire You also need to establish how often you need to communicate your certified professional and resolve all your technical queries. With the help of a QuickBooks ProAdvisor support number- 1-855-624-6905, you can get the best support related to your QuickBooks and relax! ...read more
By Quickbook ProAdvisor Support August 20, 2018
personal injury lawyer Wilmington Delaware - Potter Carmine & Associa
Potter Carmine and Associates PA has been serving the injured of Delaware for over a decade. With over 75 years of combined experience we know how to fight to get you what you deserve. ...read more
By Potter, Carmine & Associates, P.A. May 30, 2014
Chapter 13 Bankruptcy Overview
In Chapter 13 bankruptcy, you keep your property, but pay back all or a portion of your debts over a three to five-year period. This is unlike Chapter 7 bankruptcy, where most of your debts are cancelled but you may have to surrender some property to the bankruptcy trustee to pay your creditors. Because you end up paying most of your debts over time in Chapter 13 bankruptcy, it is also called reorganization bankruptcy. Chapter 13 Eligibility Chapter 13 bankruptcy isn't for everyone. Because Chapter 13 requires you to use your income to repay some or all of your debt, you'll have to prove to the court that you can afford to meet your payment obligations. If your income is irregular or too low, the court might not allow you to file for Chapter 13. If your total debt burden is too high, you are also ineligible. Your secured debts cannot exceed $1,010,650, and your unsecured debts cannot be more than $336,900. A "secured debt" is one that gives a creditor the right to take a specific item of property (such as your house or car) if you don't pay the debt. An "unsecured debt" (such as a credit card or medical bill) doesn't give the creditor this right. The Chapter 13 Process Before you can file for bankruptcy, you must receive credit counseling from an agency approved by the United States Trustee's office. The Chapter 13 Repayment Plan The most important part of your Chapter 13 paperwork will be a repayment plan. Your repayment plan will describe in detail how (and how much) you will pay each of your debts. There is no official form for the plan, but many courts have designed their own forms. (For more on repayment plans, see Your Obligations Under a Chapter 13 Bankruptcy Plan.) How Much You Must Pay Your Chapter 13 plan must pay certain debts in full. These debts are called "priority debts," because they're considered sufficiently important to jump to the head of the bankruptcy repayment line. Priority debts include child support and alimony, wages you owe to employees, and certain tax obligations. In addition, your plan must include your regular payments on secured debts, such as a car loan or mortgage, as well as repayment of any arrearages on the debts (the amount by which you've fallen behind in your payments). The plan must show that any disposable income you have left after making these required payments will go towards repaying your unsecured debts, such as credit card or medical bills. You don't have to repay these debts in full (or at all, in some cases). You just have to show that you are putting any remaining income towards their repayment. How Long Your Repayment Plan Will Last The length of your repayment plan depends on how much you earn and how much you owe. If your average monthly income over the six months prior to the date you filed for bankruptcy is more than the median income for your state, you'll have to propose a five-year plan. If your income is lower than the median, you may propose a three-year plan. No matter how much you earn, your plan will end if you repay all of your debts in full, even if you have not yet reached the three- or five-year mark. If You Can't Make Plan Payments If for some reason you cannot finish a Chapter 13 repayment plan -- for example, you lose your job six months into the plan and can't keep up the payments -- the bankruptcy trustee may modify your plan, or the court might let you discharge your debts on the basis of hardship. Examples of hardship would be a sudden plant closing in a one-factory town or a debilitating illness. If the bankruptcy court won't let you modify your plan or give you a hardship discharge, you might be able to convert to a Chapter 7 bankruptcy or ask the bankruptcy court to dismiss your Chapter 13 bankruptcy case (you would still owe your debts, plus any interest creditors did not charge while your Chapter 13 case was pending How a Chapter 13 Case Ends Once you complete your repayment plan, all remaining debts that are eligible for discharge will be wiped out. Before you can receive a discharge, you must show the court that you are current on your child support and/or alimony obligations and that you have completed a budget counseling course with an agency approved by the United States Trustee. (This requirement is separate from the mandatory credit counseling you must undergo before filing for bankruptcy ...read more
By The Law Office Of Robert I. Masten Jr.,ESQ.,LLC July 19, 2011