What to Expect at a 341 Meeting

You may be frightened or you may be scared, but all should be fine if you are well prepared. Filing for a Chapter 7 bankruptcy, or being involved in any legal proceedings, can turn your stomach into knots and keep you up at night. However, once you have made the most difficult decision to file the bankruptcy, the remainder of the proceedings should be easier.

The pre-bankruptcy planning and preparation is key to the ease of the process for the debtor. Consultation with an attorney experienced with bankruptcy law, the process, local judges and trustees will help guide a weary client through an overwhelmingly difficult and stressful financial time.

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Avoiding Foreclosures

In these economic times the percentage of foreclosures in America is on the rise. The homeowner who is facing foreclosure of their primary residence has several options in an attempt to avoid foreclosure. They can negotiate with the lender in an attempt to refinance the loan, get a short sale approved or deed the residence back to the lender in lieu of foreclosure. If the lender is unwilling to negotiate with the homeowner or their representative then there are options of filing a Chapter 13 bankruptcy or a reverse mortgage if the property in jeopardy is an investment property. Even with all of these options at the disposal of the homeowner there still must be a determination by the homeowner of if they indeed wish to save the home from foreclosure or to just allow it to be foreclosed on.

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Referring a Legal Case

1. An experienced traveler, you purchase a train ticket from Fairbanks, Alaska to Anchorage. In terms of taking trains and purchasing tickets, you have both "been there" and "done that." As you board the train for the multi hour ride which includes a meal you discover that you and your travel companion are sitting on a bench made for one hunched over a narrow table and across from another traveler and her companion. Cramped quarters were not what you were expecting. About quarter way into the journey, you learn that the track diverts since repairs are underway due to a train that crashed last week. You were not told of this when you purchased the ticket. Now the journey will proceed to another stop where you will switch from train to bus for the remainder of the trip. The trip will now take an additional 8 hours. Most of us, lawyers that we are, would likely seek some remuneration for the inconvenience of not being told a significant detail about the benefit we were getting by purchasing the train ticket. (Some would ask even if they liked traveling by bus in scenic Alaska anyway!) You surely did not get what you bargained for.

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Fighting to Keep Your Home From Foreclosure With the Help of a Lawyer

The economic environment all over the United States is very tough these days, and that's a fact. People are in danger of losing their houses due to loss of a job, or a drastic decrease in income due to cutbacks in hours worked, or labor contract concessions. If this is the case for you in San Antonio then, do you need a San Antonio foreclosure defense lawyer?

If you are facing the prospect of home foreclosure, you might be feeling as if there's nothing you can do to stop your lender from taking your house. Some people are afraid to fight against a lending company, but in reality, most of these companies aren't looking for a fight-they're looking to save the company from a loss. Some homeowners make peace very quickly with the situation and simply are ready to see the house go.

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Can You Go Bankrupt On Child Support?

Some parents that are ordered to pay child support try to get out of paying it by filing bankruptcy. This leaves the question of: Can you go bankrupt on child support? Under the law filing Chapter 7 or 13 does not stop you from owing the debt and laws have been enacted to protect children and give them the support they deserve.

You cannot get this debt discharged. Although some debts that occur from a divorce may be. This is helpful to the custodial parent to make sure that they are getting financial help from the parent that is ordered and doesn't give them a loophole to avoid it.

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What Are the Responsibilities of a Corporate Lawyer?

A corporate attorney focuses in all matters allied to the legal affairs of a business. Experienced corporate attorneys are often also a practice litigation cases so that he or she can help the business mitigate liability from lawsuit and issues related to the shareholders and corporate board. There are so many companies appoint an in-house business attorney to work for the company as a staff, but generally small business hire a lawyer on an hourly basis to resolve legal disputes and manage any legal business affairs.

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Before You Purchase a Business - Ask For 3-Years Tax Returns

Before you go out and buy an existing small business, you need to make sure that the books and accounting are in order. You need to see a balance sheet, and P & L statement, and you need to verify that information. What did Henry Kissinger and Ronald Reagan say in foreign diplomacy and negotiation? "Trust, but verify!" And, it is my contention that you take this great advice when purchasing a used business.

Not long ago, I was doing a little very small business consulting. And I explained that prior to getting serious about buying the business the buyer need to get a balance sheet, P & L (profit and loss) statement and 3-years tax returns. Well, it turns out the business was a corporation signified by a "Inc." after the name of the company at the top of the P & L, so, the company depending on the type of corporation would have to file corporate tax returns.

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How Not To Lose Your Shirt At The Foreclosure Sale

For real estate professionals, 2007 was perhaps the most painful in recent times -- defaults are up, homeownership is down, foreclosures have soared and the poorly performing housing sector is creating negative ripple effects in the broader national economy. Since all projections indicate that 2008 will be equally as challenging, should property investors run for the hills, put all their money in AAA rated minis, and ride out the storm until the next boom? Absolutely not!

There's no question that 2008 will bring reduced housing demand, lower prices in some areas, and fewer loan options, yet 2008 looks strong for treasure hunters. At Hard Money Bankers, we've been seeing investors scoop up bank REO's for 40 to 50 cents on the dollar and selling them off at nice profits. After all, people will always buy property if they can get a great deal, no matter what the market conditions. Your job is to simply find the best deals.

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Can a Dog Bite Victim Still Sue Even If There Is No Insurance?

According to a 2008 study by the Agency for Healthcare Research and Quality in Rockville, Maryland, every day about 1,000 people in the United States require medical treatment for dog bites. The breed of dog that is most likely to be involved in an incident is the Pit bull, followed by the Rottweiler. According to statistics compiled by the website dogsbite.org, an American citizen has a 1 in 50 chance of being bitten by a dog in a given year. Perhaps the most unfortunate statistic related to these injuries is they happen more often to children that adults. Dog bite injuries are such a common occurrence now that a discussion of this phenomenon from a legal/insurance standpoint is warranted.

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Troubles With Poor Credit History

Strict law and order is imposed by the authorities in the country to help the people to move ahead in correct path with full unity. These law and order is also confusing them to certain extent in leading straight path and sometimes they are themselves jumping in to the danger zones through the violation of certain terms and conditions. In fact most of these violations happen without their knowledge or due to confusion that exist in their mind. You might be surprised to know about the number of cases charged against people for bankruptcy on daily basis in different courts of the country.

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What Does a Paralegal Really Do and How Can a Paralegal Help You With Legal Paperwork?

Almost everyone has heard of paralegals, yet many don't really understand what a paralegal does. Some think a paralegal is a lawyer, or a legal aid type of worker. Neither of those are true. A paralegal is NOT a lawyer and CANNOT give legal advice. They have nothing to do with legal aid or any type of government programs. However many paralegals work for attorneys, or render their services to attorneys.

A paralegal is a person who has vast knowledge of all the standard legal forms that must be used with many different legal matters. All legal suits, petitions, cases and so on use standard legal forms that MUST be used in each case, and must be filled out correctly. Some examples are forms for bankruptcies, wills, divorces, adoptions and so on. They all require specific legal forms and documents that must be filled out and filed with the court. Paralegals are the ones who do all this work, not the lawyers.

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Debt Relief Options - What You Need to Know

When you are in debt, creditors are hounding you, you're afraid of losing your home or car, it's may seem like you've run out of options. In reality, there are several debt relief options that can help you through this difficult situation. Some of the best options are realistic budgeting, credit counseling, debt consolidation, debt management plans and as a last resort, bankruptcy. No one knows your current situation better than you so in this article, we'll explore each of these options to see which best suits your situation.

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Criminal Lawyers Defend Clients in Federal and State Courts

Within the legal system of the United States lawyers act as advocates and advisors. As advocates they represent clients in civil and criminal trials, presenting evidence and arguing on their behalf. As advisors they counsel clients about their legal rights and obligations. Most lawyers concentrate on either civil or criminal law. Criminal lawyers represent people who have been charged with crimes. Civil lawyers help their clients with all aspects of business and personal life not covered by criminal law.

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Foreclosure - 7 Ways to Stop Foreclosure

Foreclosure is a process that many homeowners fear, especially in today's economy. There is good news though, there are ways to avoid foreclosure. Here are 7 ways to stop foreclosure.

1. Pay mortgage on time
Make your payments on time. I know it sounds silly but it's not. If you make your mortgage payment you will not be in danger of losing your house.

If you are not able to pay all of your creditors, consider which bills you are going to pay. Your mortgage is attached to your house and if you don't pay your mortgage, the bank can foreclose and take your house. This is not the case with credit cards. Credit cards are unsecured debt, they can file a lien against the house but they cannot force a foreclosure.

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Alternatives to Foreclosure - An Educational Guide

First and foremost its vital that you communicate regularly with your lender and understand all of your options. Whether you're about to have your house sold at auction, foreclosure is in sight, or you've missed your first payment or possibly second payment, you may still have a good chance of saving your home and avoid the foreclosure nightmare. Also, if you are current and in good standing today with your monthly payments but recognize the coming months may get financially too tight, then be prepared and act now! Let's review a handful of options, highlighting the positives and possible negatives of each process. Which avenue is best for you during your hardship?

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Debt Negotiation and Debt Relief Explained

Given the troubling state of the American economy, more and more people are simply having a difficult time paying off their debts and keeping their heads above water when it comes to finances.  While it's easy to give into the fear that's always part of this sort of problem and panic, that's the last thing you should allow yourself to do, as there could be viable alternatives available to you that will get you beyond this problem. 

Below is a brief look at two of those potential alternatives, each of which depends on the particulars of your situation. 

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Plans to Stop Foreclosure That Involve Working with the Judge and Court System

Although receiving the paperwork for a foreclosure lawsuit in the mail can be one of the most unnerving aspects of the entire experience of losing a home, homeowners should keep this event in perspective. The bank has simply filed a complaint against the owners of the property for nonpayment of the mortgage loan, and the court is requesting that the owners come and make an answer or appearance at a hearing. The court is simply the third party that is involved and has been petitioned by the bank to resolve the differences between the lender and their clients. Simply filing a complaint does nothing to prove that the mortgage company is correct or the homeowners are guilty.

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The Top 5 Reasons to Avoid Sole Proprietorship

"Life is trouble; only death is not," comments Zorba the Greek in the novel by Nikos Katzanzakis. I've heard many a business owner brag about the lack of complication that their sole proprietor status affords them. No messy ownership agreements, no separate filings or taxes, complete freedom and flexibility to do what you want when you want. And if it's "just me" working as a contractor/consultant to other companies, why get so involved in structure and meeting minutes?

Well, it's a law of nature and balance that for every yin, there's a yang; every action breeds a reaction; every silver lining has a cloud. And the "clouds" hanging over a sole proprietor can create a deluge of catastrophic proportions.

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