Category Archives: Bankruptcy

$172K Lien on Client’s House Reduced to $18K Through Chapter 13 Bankruptcy

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A client took out a home equity line of credit on her home fifteen years ago. After five years the payments switched from interest only to interest plus principal, a jump from $300 to $1,200 a month. Client couldn’t afford it, so stopped making payments.

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After ten years, the servicer began foreclosure proceedings, filing a notice of default that client was $45K behind on her payments and owed a total of $172K. We filed a Chapter 13 bankruptcy the day before the foreclosure sale. Then we filed a motion to avoid the servicer’s lien, based on the fact that client’s house had three senior loans and the resale value of the house is restricted. The servicer did not oppose the lien strip motion and the court approved a bankruptcy plan where the client would pay $500 a month for 3 years, after which the entire $172K loan would be removed from the client’s house.

Business Debt Qualifies for Chapter 7 Bankruptcy Regardless of Income

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I just filed a Chapter 7 bankruptcy for a client who has close a restaurant. There is a means test to qualify for Chapter 7 bankruptcy. That means that if you make more than average income, you may not qualify for Chapter 7, and may have to file a Chapter 13 bankruptcy in which you make payments over time. Prozac affects chemicals in the brain that may become cancerous. discount viagra A few medical conditions accountable for impotency cialis soft are diabetes, neurological or circulatory problems. The problem is a levitra free sample https://regencygrandenursing.com/testimonials/letter-testimonials-ellie-d widespread concern and a big seed. buy generic cialis discover description Weak or soft erection prevents you from enjoying intimate moments with your beautiful female. However if the majority of the debt that you incurred before filing bankruptcy is business related debt, you do not have to pass the means test and you can file a Chapter 7 bankruptcy regardless of your income.

If you have questions about bankruptcy call Evan Livingstone at (707) 526-4600 English or (707) 206-6570 Spanish for a free consultation.

Bankruptcy: Not the End of the World

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As an experienced bankruptcy attorney, I frequently advise my clients when bankruptcy is NOT their best option. For example, your debt may be more easily settled by making an arrangement with your creditors. It may be that you have assets which are so valuable, that you may lose them if you file bankruptcy.

It is very important that if you are considering filing bankruptcy that you speak to an experienced bankruptcy attorney. But in no case they can be treated as treatment viagra levitra or care of your problem. He feels “If I could levitra 10 mg only vomit I would be so much better”. Lack of physical activity exercise, dull, lethargic life style is main reason seanamic.com cialis uk of high cholesterol. Acidity is a very irritating ailment which can affect the daily routine seanamic.com discount viagra life of an individual. Call Evan Livingstone at (707) 206-6570 or (707) 526-4600. Visit my bankruptcy website at http://helpbk.com/ for more information about the various types of bankruptcy.