For A Smoother Bankruptcy Process – Filing Bankruptcy Online For A Smoother Bankruptcy Process – Filing Bankruptcy Online January 18 nike roshe run fleur rose
, 2014 | Author: Frank Miller | Posted in Finance
A recent post on the internet propagated one increasingly common myth – a blatant falsehood, many will probably say – about filing for bankruptcy, namely, that debtors can no longer even file cheap chapter 7 bankruptcy without a lawyer, let alone any type of bankruptcy. As the writer of this piece put it in the caption of his write-up, article reproduced in Verizon titled, “Sorry You Can No Longer File Bankruptcy Without a Lawyer.” In these bad economic times when consumers show growing sensitivity about cost for bankruptcy, this is a common notion, or at least a close variation of it nike roshe run fleur noir
, which one hears increasingly among mainstream bankruptcy law practitioners these days. Apparently, there is a growing feeling among the bankruptcy lawyers and the swelling army of unemployed Americans who inquire about the bankruptcy process, that only largely by having bankruptcy without a lawyer, could a debtor file cheap chapter 7 bankruptcy. Usually, the mainstream bankruptcy lawyers’ argument about the supposed inability of the debtor to file bankruptcy without lawyer, is made along the same line argued by the writer in the above stated article, namely, that since the new “reform” bankruptcy or BAPCPA law implemented in October 2005, “the climate has drastically changed” in respect to the law and the procedures for filing bankruptcy nike roshe run fleur femme noir
, and that they have gotten so “complex” now that it is almost too difficulty, if not impossible, for a debtor to file chapter 7 bankruptcy without lawyer. Or for him or her to file Chapter 13, or any bankruptcy of any kind.
To assist with this it is important that you come prepared to this meeting with a list of this information. Now while preparing this information remember it is not essential that this information is exact, the trustee doesn’t need to know the amounts down to the penny, but they will need to know roughly where you sit in general. The reason this information is important is that the bankruptcy and how it will transpire is dependent on the specifics of your situation. So if the trustee is aware of what is happening in your life they will be in a better position to discuss what you can anticipate from the filing of a bankruptcy. In this consultation you will find that the trustee will discuss a number of things. This is both from a practical and a legal standpoint, so your trustee will do more than just review your situation, they will make sure you understand all aspects of the Canadian bankruptcy system, including what a discharge is nike roshe run imprimé fleuri
, the duties and responsibilities that you will have as part of the bankruptcy, the specific impact on credit and some of the options to a bankruptcy.
They generally cite two basic reasons upon which they rest their basis for saying this: (1) that an overwhelming majority of personal bankruptcy cases are so-called “no asset” or “minimum asset” cases – meaning, cases in which the owing debtors literally have or own absolutely NOTHING that the creditors can claim or attach, let alone any money for paying the lawyer’s hefty fees, and so have no basis to hire lawyers since they lack any worthy property or asset for a lawyer to protect from the creditors if they filed for bankruptcy; and (2) the FACT that bankruptcy, they say (contrary to the layman’s common belief that bankruptcy is a complicated procedure), is really a relatively simple matter which often involves the mere completion of simple routine forms and submitting them to the local bankruptcy court.
Janice Kosel, Professor of law at Golden State University, San Francisco nike roshe run fleur pas cher
, and a recognized author and expert on personal bankruptcy issues, explains: “Do you need a lawyer in order to file a Chapter 13 (bankruptcy) repayment plan? No. [Even] Filing a Chapter 13 plan is often easier than preparing your income tax return. If you can do that, you can probably handle your… [bankruptcy] yourself…There is no requirement (under the law) that you have to have a lawyer (in order to file for bankruptcy)…You can choose to represent yourself.” Stephen Elias, California Attorney, prominent author and specialist in bankruptcy law, most recently summed it up this way: “There is seldom a good reason to use an attorney in a consumer Chapter 7 bankruptcy case. The procedures are almost exclusively administrative – that is, there is no appearance before a judge…The forms are all (with very few exceptions) pre-printed in plain English….[But, in spite of that fact], What’s tragic is that people actually think they have to have attorney representation [to be able to do it].”
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, in all of this, there’s probably one piece of evidence which remains as the strongest proof, the clearest demonstration, and most incontrovertible, of the utter fallacy of the claim that bankruptcy is “complex” and beyond the capability of the average debtor to comprehend or to undertake. And that is this. Independent survey studies by this writer and others, as well as bankruptcy court statistics, show that in several parts of the United States, but more particularly in urban jurisdictions like New York, Arizona and Los Angeles adidas superstar fleuri femme
, both before as well as AFTER the draconian 2005 “reform” law, a significant number of the debtors who file bankruptcy, particularly Chapter 7, still file Chapter 7 bankruptcy without lawyer. Such debtors are referred to as pro se filers, meaning, without the use of a lawyer! And, while their numbers may have been larger in the years before the BAPCPA law was implemented, that number remains significantly high even today and is now growiBen Zobr.