Mary Weather, DUMPED ALONE and in PAIN

Hiring a bankruptcy lawyer is a great way to feel less overwhelmed by the entire process of having to go through bankruptcy. Without professional help, it's often a scary thought to try to figure out what you're going to deal with. By finding a qualified attorney who can help you to get through the experience and learn what to expect, what you need, and what you will get from the entire process, you will be much better prepared for bankruptcy than you might have thought possible. Filing for bankruptcy is a serious step, requiring excellent advice and the right representation.

Here's how to find, and then choose, the best bankruptcy lawyer for you.

My Lawyer Practices Specialization

You'll want to ensure that the lawyer you choose specializes and works often on bankruptcy cases. Some attorneys work on just about every single kind of case you can think of. When you choose an attorney who specializes in bankruptcy, you'll be sure to get service and results that can only come from a true expert. The laws and specifics of handling a bankruptcy case change all the time, so the more your bankruptcy expert specializes in the bankruptcy process, the better chance you'll have of having a great experience. Choosing an attorney that works almost exclusively with the bankruptcy process is the best way to get the service and results you want without all of the stress.

My Lawyer Is Accurate and Consistent

Excellent work means your attorney has attention to detail. He or she will really listen to you and personally handle data entry for your important paperwork. The difference between having an 'average' lawyer and an excellent lawyer is the difference between losing a car or home and keeping your valuable things protected. It is the difference between your case being a mess requiring extra cost and taking extra months, and having your case completed quickly and painlessly.

My Lawyer Has the Experience

You want someone who does a lot of cases, but is personally handling your case. Ask how many cases the lawyer files each year. Now, some firms will say "thousands of cases" because they are 'factories' and the lawyers don't do the cases personally but instead push off this important legal work to paralegals and other non-lawyers. If your lawyer files a lot of cases, that is great! Just make sure he or she personally handles the cases. I am generally in New York and New Jersey, but I know one great attorney who works with me in my California office. He files thousands per year but he manages and personally does each of his cases. He is very rare. The more questions you ask, the better for you!

My Lawyer Knows His or Her Practice

Most importantly, however, hiring a bankruptcy attorney will ensure that you get the proper footing in dealing with the legal process. There are a lot of myths that seem to cloud up California laws regarding bankruptcy, and if you are not well-versed in the legal process, you might overlook important facts. For example, bailing out of debt could be tackled through Chapter 7, while avoiding a foreclosure is best addressed with Chapter 13. Dealing with these types of bankruptcy declaration ensures preparation of a heap of legal document - a task that is more efficiently achieved by someone familiar with the system.

Remember who you choose to handle your case is your business (and make no mistakes about it, bankruptcy law is a business). But having the right representative on your side, fighting for you, makes a tremendous difference in how easy the process is, and how you come out on the other side, so make sure you choose the right attorney for you.

There are several chapters like chapter 7, 9,11,12,13 of bankruptcy code under the federal law which governs the bankruptcy laws of New York. The various chapters under the bankruptcy law cover various issues and therefore guides as to how to deal with, and decide cases falling under each chapter effectively. Chapter 7 is applicable for debtors who have no assets to repay the debts. Chapter 9 deals with cases of government municipalities. For the owners or shareholders of a company there is chapter 11. Chapter 12 deals with fishermen and farmers. For salaried individuals or families, self employed and wage earners there is Chapter 13.

As fixed under chapter 7 of the New York bankruptcy law, the income of an individual under such cases should be less than the average income. Under this chapter, the cases that are handled are almost made fully exempt from the debt, but some things like student loans, alimony, child support, fraudulently acquired debts have to be paid off. The rules are different under chapter 13 where recovery is made from the person filing for bankruptcy after reorganizing the legal responsibility of debt. This is usually done over a longer period of time and most possibly at a less rate of interest, and also by reducing the monthly payments. But if someone thinks that by filing for bankruptcy will make them immune from debt payment they are wrong, as under no provisions there is the option of getting rid of the liability without repaying the debts.

Strict federal laws have been implemented so that there can be some check on random filing for bankruptcy. Nowadays to file a case under New York Bankruptcy law, one has to totally convince the establishment that he or she is truly without any assets which can be used for paying back the outstanding debts. Therefore there is no other option but to file for bankruptcy, to stop paying interests on the debts. A documented proof which confirms the claims of an individual about being totally without any assets is required for filing a bankruptcy petition. The courts which handle the bankruptcy cases generally decide which are the genuine and really deserving cases, and accordingly allocates them under the various chapters. There are also the cases of business bankruptcy where a business fails due to a variety of reasons and hence have to file for bankruptcy, declaring that the company is in no position to pay off the debt as it has exhausted all its resources. At the same time the company can also declare that though bankrupt, they wish to carry on with their business activities. Chapter 11 deals with such cases where the petitioner is either the owner or the shareholder of the company.

New York bankruptcy law prefer that the cases be filed under chapter 13, and not under chapter 7, the reason being that under chapter 13 it is still possible to recover debts as much as possible. This is usually done by spreading the recovery period over a longer span of time, by realizing the minimum amount due after reorganizing the loan liability. But the really genuine cases where the individual are in no condition to pay their interests on debts, for example, people with some chronic illness, unemployed people, people with physical deformity or any other kind of sickness that involves heavy expenditures, are filed under chapter 7. This is a way to prevent scams as well as help the genuinely ruined people to get back on their feet, to establish themselves in the society again. This way both the state and its people are safe-guarded and are set on a path to economic revival.

Mary Weather, DUMPED ALONE and in PAIN.

Sadly, sometimes, this is the after math of bestiality. A horrid act, violently bestowed on an innocent pet. She is prolapsed in rectum and vaginal area. Her PAIN is beyond belief. She kindly wags her tail and licks my face. Her eyes see past my fear, and invokes the deepest of heart sinking tears.

She was picked up walking the railways in Opelousas,La. *A stray.*
Please share for her survival. Donations can be called in to Bellevue Vet Clinic 337-942-7126 or PayPal to Stacey.alleman@stlandryparish.org

❤*Please help us, help her !*❤
SLPAC OPELOUSAS LA 337-948-6184

FB threat here
A bankruptcy attorney has the ability to guide you through the entire process of filing for bankruptcy. In the process of looking for the skilled professional, you want to find someone who you are comfortable discussing your private financial matters with, an expert in their field and will quote a fair price. Here are a few things to consider in the process of finding a skilled bankruptcy attorney:

Make the initial contact

There are several ways to get in touch with a bankruptcy attorney, including online directories, colleagues and friends. If you feel comfortable doing so, a recommendation from a colleague or friend is a great way to find a reliable professional.

It may be worth visiting official sites like the National Association of Consumer Bankruptcy Attorneys (NACBA) and the American Bar Association (ABA). They are likely to include the type of lawyers that meet the required standards to provide a high level of service.

Try to get in touch with two or three attorneys and make sure to arrange an initial conference to discuss your situation and ask relevant question to make sure they are right for your needs.

Finding a specialist that has deep knowledge of this specific area of law is essential to achieve the best result, and avoids issues like a missing a deadline or not filing a form that could lead to a case being thrown out.

In the process of interviewing the attorney's make sure to ask questions related to their background and what specialized training they have completed. If they are able to provide proof of their knowledge, such as a certification issued by the American Board of Certification then this will indicate they know how to handle a bankruptcy case. Try to find out the number of similar cases handled in the past. Also, a respected attorney has the ability to give guidance on other options, such as credit counseling.

Cost of services

The cost of the services quoted by the bankruptcy attorney is certain to be a major consideration. A Chapter 7 filing is likely to cost less than a Chapter 13. The most basic Chapter 7 case may start at about $500, but will increase depending on what is involved. However, the more complex cases related to Chapter can reach $6,000 or more. It is important to get an idea of the attorney's fee structure at the first meeting to make sure they are within your price range.

If you've found yourself sinking in debt, bankruptcy can start to look like an attractive option. Yes, you will lose credit and assets, but you will also be able to pare down your debt and get relief from harassing creditor calls. Some people try to file bankruptcy without the help of a lawyer, but there are some very good reasons why you shouldn't attempt that.

Bankruptcy Law is Complex
First off, there are several different types of bankruptcy: Chapter 7 and Chapter 13 for individuals, Chapter 11 for businesses, and Chapter 12 for farm owners. Knowing which type of bankruptcy to file for is imperative. Too many individuals who try to go it alone end up filing for the wrong chapter, which results in the loss of valuable assets or in some key debts not being discharged.

A bankruptcy attorney can advise you on the type of chapter that fits your situation the best. He will also be able to inform you of potential tax consequences and asset losses you will face. For example, will your house and car be taken in the bankruptcy or will you be able to keep them? A bankruptcy attorney might be able to help you exempt certain assets, such as your house, from being taken.

No one besides a lawyer is allowed to give you legal advice. If you're trying to do it on your own, you'll have a difficult time getting answers.

Bankruptcy Forms are Complex
Have you ever tried to fill out a legal form? It's complicated. In a bankruptcy, it's easy to miss required forms that affect your case. There may be up to 20 forms that you need to file. Chapter 11 bankruptcies for businesses are especially complicated.

A bankruptcy attorney can show you how to fill out forms or even fill them out for you. In the legal world, if a form is filled out incorrectly or is missing information, it can hurt your case. It can cause your case to get dropped or subject you to fraud charges, in the event that the bankruptcy trustee finds out that you left out information. Everything you state on a bankruptcy form is filed under the penalty of perjury. It's serious business.

Bankruptcy Procedures are Complex
When you're navigating bankruptcy court by yourself, you're responsible to read up on the proper procedures. Which form do you file first? Where do you submit your forms? How soon do you need to file them? Have you met all the eligibility requirements? Yes, you'll need to qualify to file bankruptcy.

Self-filed bankruptcy cases frequently get dismissed due to administrative errors-failing to file the right forms in the right time frames, failing to provide documents, failing to show up at the meeting of creditors, failing to make payments on a Chapter 13 plan, and more. A bankruptcy attorney will keep you on your toes.

Bankruptcy is a last-ditch option to resolving an insurmountable financial crisis. While it's not an easy process by any means, it will be much easier with a lawyer at your side.

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