tag:blogger.com,1999:blog-47845390081859579602024-03-08T11:55:43.080-08:00California Bankruptcy CentralBankruptcy Information & Perspectives From a Successful California Bankruptcy Filerepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.comBlogger56125tag:blogger.com,1999:blog-4784539008185957960.post-41597093829755963162020-10-29T19:03:00.000-07:002017-10-19T19:26:19.455-07:00My California Bankruptcy BlogWelcome to California Bankruptcy Central, my California bankruptcy blog. Wait,don't go if you live in another state! It doesn't matter where you live--bankruptcy is a federal affair and there are few differences (exemptions and median income amounts among them) between states. <br />
<br />
Disclaimer: I am not a lawyer but I did need to hire one.<br />
<br />
I am a bankruptcy filer and have been where you are now. I filed a Chapter 7 bankruptcy in the Central district of California and was successfully discharged. I learned a lot of things the hard way and this blog is about sharing them with you. Nothing here is intended to be legal advice. Please consult with an attorney for your legal needs.<br />
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Two things you need to know:<br />
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A. Much of what you read about bankruptcy on the internet is not true. Have you ever wondered why a google search sometimes returns the most insane results that are not what you want and sometimes you cannot even understand what the heck you are reading?<br />
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It's because many of the authors on the web don't know what they are talking about. They don't write well and often they don't even live in the United States! <br />
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All I'm trying to say is be careful of believing anything you read on the internet. I encourage you to also verify anything I have to say by consulting with an attorney. <br />
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B. The "New" bankruptcy is not "New" anymore. The bankruptcy laws were changed in 2005 so can we please stop calling them new? The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 made it more difficult for consumers to file a chapter 7 bankruptcy but not impossible. Not even all that hard for most.<br />
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Prior to 2005, debtors of all incomes could file for bankruptcy under Chapter 7. Under the current laws, a debtor's income is calculated and compared to the median income of their state. If the debtor's income is above the median income amount of the debtor's state, the debtor is subject to a "means test." <br />
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If the debtor does not pass the "means" test, they have to file a Chapter 13 bankruptcy, instead of a 7, which means that they will have to repay some of their debt.<br />
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Many, many people still qualify for a Chapter 7 and I will have more about the means test in another post.<br />
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Again I urge you to check out what I learned about selecting a bankruptcy attorney if you are in the market for one:<a href="http://www.bankruptcyattorneytips.blogspot.com/">check out my Bankruptcy Attorney Tips</a>. <br />
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Good luck to all,<br />
<br />
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com5tag:blogger.com,1999:blog-4784539008185957960.post-8747858600385659782018-02-25T19:06:00.002-08:002018-02-25T19:06:59.167-08:00How to Get Out of Credit Card Debt<h3>
Best Way to Get Out of Credit Card Debt</h3>
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If you've thought long and hard about filing bankruptcy due to mounting credit card debt only to conclude that you don't want to go that path, you are far from alone. It's a big step, which is why many people decide to go another route. But do you know the best way to get out of credit card debt? There are a number of methods, actually. Keep reading to explore some of the most common.<br />
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<h3>
Getting Out of Credit Card Debt</h3>
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First of all, know that paying off your credit cards in full will take great discipline, but you can do it if you set your mind to it.<br />
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1. Evaluate your debt. Like many debtors, you may have been ignoring (intentionally or otherwise) the amount you owe and the amount of interest you've been paying. What you find may shock you, but you need to be truthful with yourself if you're going to dig out.<br />
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2. Negotiate better interest rates if you can. Some lenders would rather work with you to create a more manageable payment plan than risk having you file for a Chapter 7 bankruptcy, in which case they probably won't see any payments at all. If you're late on payments already, they may also be willing to offer a settlement at a substantial savings. Just know that if you choose to do this, you might have to pay taxes on the amount that was forgiven. This strategy will also negatively affect your credit rating.<br />
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3. Pay more than the minimum amount on the credit card with the highest interest first, while paying the minimum on the others. Once you have the highest one paid off, start paying more than the minimum on the next card with the highest interest while paying the minimum on the others. Repeat this process until your credit card debt is eliminated. Alternatively, you could follow this same formula, but pay off the card with the lowest balance first. Seeing a credit card completely paid off faster can help you stay motivated to keep going.<br />
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4. Stop using your cards, unless, of course, there's an emergency. Get into the habit of paying cash - for everything. You'll not only be saving money in the long run, but you'll also be more aware of your spending, as parting with cash is psychologically more impactful than paying with plastic. Paying cash for purchases shouldn't take long to get used to; you don't actually need to carry the green. You can also use and ATM card. Just make sure your bank balance can support your purchases.<br />
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<h3>
Conclusion</h3>
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These are just a few of the best ways to get out of credit card debt. Truth be told, though, many debtors will give up and fall further behind and eventually decide to file bankruptcy anyway. A successful chapter 7 bankruptcy can relieve you of most types of debt, and filing sooner rather than later can save both headaches and heartaches, not to mention money Talk to a bankruptcy attorney to determine whether getting out of debt on your own is realistic or if filing bankruptcy is a better option.<br />
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Whatever you decide, best of luck to you!<br />
<br />
<br />
ep<br />
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<a href="http://californiabankruptcycentral.blogspot.com/2017/10/6-tips-for-finding-good-bankruptcy.html">Tips for Finding a Good Bankruptcy Lawyer</a>epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-71888335279012383112018-02-22T18:28:00.001-08:002018-02-22T18:28:23.643-08:00How to Save Money During Bankruptcy Series - Post 1<h2>
How to Save Money During Bankruptcy Series - Post 1</h2>
Last year, the Orange County Register reported that <a href="http://www.ocregister.com/2017/04/24/southern-california-bankruptcy-filings-at-10-year-low/">Bankruptcy filings were at a 10-year low</a> in Southern California, and that's great news. However, there are still people struggling to make ends meet, over-extending themselves and accumulating insurmountable debt. The struggle continues.<br />
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Whether you're trying to overcome debt, saving up for bankruptcy or have put the ordeal behind you, you need to find ways to cut your expenses. That's why I’m starting a How to Save Money During Bankruptcy series here on my blog. During my own bankruptcy, I had to think long and hard about saving money, often choosing between things like milk and toilet paper at the grocery store. It was difficult, but I managed to tunnel out by saving money on necessities such as printer ink.<br />
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How to Save Money on Ink (for an Inkjet Printer)<br />
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Printer ink is expensive. But did you know that if you have an inkjet printer, you can easily refill your own ink? I buy my ink on eBay for a few bucks shipped, (you can also find it on Amazon) and it usually comes with a syringe and a plastic glove or two.<br />
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You see, those ink cartridges have a little sponge inside and a couple of holes under the paper label from the manufacturer. Which hole(s) you use will depend on the specific cartridge, but instructions for filling them can be quickly found on the internet. And, more than likely, your seller can instruct you on the correct holes to use.<br />
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<h3>
What You Need</h3>
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<br /></div>
•<span style="white-space: pre;"> </span>Your spent cartridge<br />
•<span style="white-space: pre;"> </span>Scotch tape<br />
•<span style="white-space: pre;"> </span>Plastic gloves<br />
•<span style="white-space: pre;"> </span>Syringe<br />
•<span style="white-space: pre;"> </span>Black or colored ink (whichever one is empty)<br />
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<h3>
Refill Your Inkjet Ink</h3>
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1.<span style="white-space: pre;"> </span>Peel back the paper label on the ink cartridge<br />
2.<span style="white-space: pre;"> </span>Fill your syringe with the ink<br />
3.<span style="white-space: pre;"> </span>Inject the ink into the correct hole for your specific cartridge<br />
4.<span style="white-space: pre;"> </span>Let sit 15 minutes so the sponge absorbs the ink<br />
5.<span style="white-space: pre;"> </span>Wipe any excess ink off the cartridge<br />
6.<span style="white-space: pre;"> </span>Tape the paper label back in place<br />
7.<span style="white-space: pre;"> </span>Insert the cartridge into your printer<br />
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<h3>
Tips</h3>
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<br /></div>
Ink should be refilled at the first sign of faded print. If you wait until the cartridge is completely empty, the sponge will dry out and become unable to absorb the new ink.<br />
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Fill very slowly. If you inject the ink too quickly, you are likely to overfill and will have to sop up the extra ink.<br />
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Wear plastic gloves on both hands. Often, the ink will come with only one glove. I always get ink on my other hand, and it won't thoroughly wash off for several days.<br />
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Place paper towels or newspaper under the cartridge you are refilling. The ink may seep out the other side, and you don't want to stain your counter. I also use a plate to make sure this doesn't happen.<br />
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Don't buy empty cartridges online. I went this route for a while, and while they were cheap, the sponges in them were usually already dried out.<br />
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I fill my cartridges about four or five times before discarding them altogether. Each refill will render less use, as the sponge will eventually dry out. After doing this a few times, you'll just instinctively know when to replace them with brand new product. When you do need to buy a new ink cartridge, be sure and look for deals on Amazon or eBay. I haven't paid full price for printer ink in years.<br />
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I'll be back with more money saving tips for during and after bankruptcy.<br />
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Wishing you a fresh start,<br />
<br />
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-72829685286406388182017-10-19T19:52:00.000-07:002017-10-19T20:23:04.176-07:006 Tips for Finding a Good Bankruptcy Attorney<span style="font-size: large;">As someone who filed bankruptcy and was successfully discharged, I learned a thing or two (or many) during the process. After a lengthy struggle with the decision to file, the next step was to shop for an attorney.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">I had never before hired a lawyer – any kind of lawyer – and I was more than a little nervous to begin looking. However, I got through it. And, by following a few simple tips, you can too.</span><br />
<span style="font-size: large;"><br /></span>
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<h4>
<span style="font-size: large;"><h4>
How to Select Your Bankruptcy Attorney:</h4>
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</span>
<span style="font-size: large;">1. Take your emotions off the table. No matter what chapter you're filing (I filed chapter 7), bankruptcy tends to evoke intense feelings that can get in the way of making sound decisions. Hard as it is, you need to treat the selection of an attorney as a business decision (In general, all tasks related to BK can be thought of this way). This may mean taking a little time between deciding to file and choosing your attorney. Make sure you're able to think clearly before diving into what's ahead.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">2. Once you're ready to look for your bankruptcy lawyer, make a list of potential candidates. Various places to gather names from include the Yellow Pages, Classified ads and local online bankruptcy websites. Referrals from friends, family and coworkers may be the best way to go, but these are hard to come by, as most people either don't file bankruptcy; Or, if they have, they don't want to discuss their personal bankruptcy with others.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">3. Do not hire the first bankruptcy lawyer you meet with on the spot. Visit a handful (at least), so that you have an adequate sampling to choose from. Also, don't hire an attorney who doesn't make you feel comfortable. If none of the lawyers you meet with accomplish this, keep shopping around until you find one that does.</span><br />
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<span style="font-size: large;">4. Look for lawyers who offer free consultations. Many do. The consultation is when you will "interview" each lawyer. Usually, you'll be asked questions about your situation and then get a chance ask any questions you have about the process.</span><br />
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<span style="font-size: large;">5. Ask as many questions as you need to at the bankruptcy consultations. Before meeting with anyone, take the time to really think about what you need to know, and write your questions down. Make copies so you can take a fresh one to each consultation. Don't be afraid to take out your list and go through the questions one by one with each attorney. Take notes so there is no confusion later.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">6. Take more than price into account when choosing a BK attorney. During bankruptcy, it's really tempting to go the cheapest route because you're probably broke. However, many bankruptcy firms will let you pay in installments. Be aware, though, that they typically won't do the filing until you are paid up and have also paid the court costs in full.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">That's basically it as far as what you need to do when finding the right bankruptcy attorney. However, just as important are the questions you should ask. You'll no doubt come up with questions of your own, but here are some that you might find helpful to put on your list:</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"></span><br />
<h4>
<span style="font-size: large;"><h4>
Questions to Ask Potential Bankruptcy Attorneys</h4>
</span></h4>
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<span style="font-size: large;">
</span>
<span style="font-size: large;">1. </span><span style="font-size: large;">Am I eligible to file for bankruptcy? While many people will qualify for bankruptcy (despite popular belief), there are some who won't. The first bankruptcy lawyer you see should be able to determine this after discussing your particular circumstances with you.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">2. How much will bankruptcy cost me? This will vary from lawyer to lawyer, so be sure to ask this, as well as what the fees cover, as there are things that could come up during the BK that may cost extra.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">3. Can I pay the fees over time? Make sure to ask this if you need to and the lawyer has not already brought it up. Many times, the answer will be "yes."</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">4. What is the bankruptcy process like? Knowing, in general, what to expect in the immediate and near future will go a long way in reducing your fear of the unknown.</span><br />
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<span style="font-size: large;">5. Ask anything else that is on your mind. Again, bring your list of questions to make sure you cover everything that's important to you specifically.</span><br />
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<span style="font-size: large;">Disclaimer: I am not a lawyer, only someone who has gone through the bankruptcy experience. For legal advice, please consult an attorney.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Good luck with your fresh start!</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">ep</span><br />
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epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-86236026057554472772016-06-08T11:41:00.000-07:002016-06-08T12:46:06.279-07:005 Free and Fun Summer Activities for You and Your Kids<br />
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<h2>
<span style="font-size: x-large;">5 Free and Fun Summer Activities for You and Your Kids</span></h2>
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<span style="font-size: large;">Bankruptcy is hard enough when you're single — I can't imagine going through it with little ones to support. I was talking to someone who is in that situation, and the angst she feels shone in her eyes when she spoke about not being able to give her children everything they deserve, including a summer vacation. It pained me to listen to someone I know to be a very good person hurting so much.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">You see, while at this moment in time she may not be able to give her children what she feels they deserve, she is giving them what they need: herself. This is more than a lot of people with wealth do, so she should not feel bad. She's going through a Chapter 13 bankruptcy, and money is tight. I get why she feels the way she does. I just wish it wasn’t so.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Her plight got me thinking, so I emailed her last night with a list of things she could do with the kids this summer for free or cheap. After all, it's really the spending of time, and not money, that matters to the kids. I haven't heard back from her yet, and I hope she takes my message to heart. In the meantime, I thought I'd share these things here to remind folks that they can make their children happy without lavishing gifts upon them. It truly is the thought (and time) that counts.</span><br />
<span style="font-size: large;"><br /></span>
<br />
<h3>
<span style="font-size: large;">Here are 5 free or cheap fun summer activities for you and your kids to enjoy:</span></h3>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">1. Go to the beach — this is something you can repeat many times this summer, making it a different experience each time you go. For example, build sandcastles one day and go wading the next. Walk the pier or collect shells that you can turn into a crafts project on yet another day at home. The possibilities are endless and exciting.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">2. Start a vegetable garden. This is fairly inexpensive if you do it from seeds, but even starter plants won't set you back very much and will pay for themselves with edible food in due time. Gardening is a great way to occupy children's time throughout the summer, as it will require daily attention. It's also great fun to note the daily growth of plants and rewarding for kids to know they had a huge part in making it happen. </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">3. Teach your children to cook. I mean, you’re going to spend money on food no matter how broke you are, right? Why not spend some quality time in the kitchen with your kids. You could make a couple days of it and do breakfast, lunch and dinner. Take a day to prepare and shop, and let them have input as to what type of dishes to make. Show them how to save money by making wise purchasing decisions too. You will have a great time and you may even spawn the next celebrity chef.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">4. Go Camping behind your house. So. Much. Fun. Break out the sleeping bags, grab the flashlights and scary books, and go to town — in your backyard. Why not barbecue in the afternoon to start the evening off right? If you have a fire pit, you could roast weenies and marshmallows. Be creative.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">5. Do arts and crafts. You can use the shells you collected at the beach, but this may take some research. Many normally discarded house hold items, such as <a href="http://www.artistshelpingchildren.org/toiletpaperrollspapertowelrollsartscraftsideaskids.html">toilet paper and paper towel rolls</a>, can be used to make games and animals. Do some research on arts and crafts for children, and you’ll find numerous opportunities for fun things to do – so many you can easily fill your entire summer with them if you like.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Those are just five free of cheap things you can do with your children this summer, but I could write all day on this subject given the time. My point is that you don’t have to spend a lot (or any) to entertain your kids. Remember, just going through bankruptcy doesn’t make you a bad parent. The kids just want you to be there for them. And, you are — I know you are.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Best of luck with your fresh start,</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">ep</span><br />
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<br />epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-77073730916285609392016-06-06T13:12:00.003-07:002016-06-06T13:12:36.535-07:00United States Bankruptcy Code<span style="font-size: x-large;">United States Bankruptcy Code</span><br />
<br />
<span style="font-size: large;">Here's a handy link to the United States Bankruptcy Code posted on the California State Controller's website:</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><a href="http://www.sco.ca.gov/9509.html">United States Bankruptcy Code</a></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">It's worth a look, but in my opinion, a very complicated read, which is why I think most people are better off filing with the help of a qualified bankruptcy attorney rather than trying to go it alone.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Anyway, I hope someone find this link to the United States Bankruptcy Code useful. Until next time, carry on and good luck with your fresh start.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">ep</span>epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-1180129376739142272016-06-05T16:51:00.000-07:002016-06-05T16:55:47.550-07:00When Does Bankruptcy Leave Your Credit Report?<h2>
<span style="font-size: x-large;">
When Does Bankruptcy Leave Your Credit Report?</span></h2>
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Someone asked me how long bankruptcy would continue to show on their credit report today, so I thought I’d post the answer here, so others can see it as well. Bankruptcy leaves your credit report after 10 years. However, this doesn’t mean you can’t get credit before then.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">As a matter of fact, you may even start getting credit offers right after your bankruptcy discharge. This is because creditors know you can’t file bankruptcy again for at least eight years. I guess they figure they’re safe. However, in my experience, most of the offers I got immediately after discharge came at a very steep price. High-interest credit cards with ridiculous annual fees that got immediately charged to a very low credit line. Thanks, but no thanks.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
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<h2>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">
Debt After Bankruptcy</span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">It was a while before I applied for any kind of credit after my bankruptcy — mostly because I was scared to death to get into debt again. It was great being debt free. Eventually, I did need credit though, and I now have it at a few places. I don’t have nearly (nowhere near) as much debt as I used to, and what I do have I can handle, but I still wish I didn’t have it. Debt sucks. But then, you know that, right?</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Anyway, I’m looking forward to the BK coming off my credit report, but I still have two years to go. My credit score is higher now than it was when I filed, but I’m looking forward to having it be very good as it once was so very long ago. Le sigh.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Good luck with your fresh start,</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">ep</span>epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-1433994003974539942016-05-30T10:26:00.000-07:002016-06-05T16:51:50.016-07:00Life After Bankruptcy - 8 Years Out<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Hello everyone. Happy Memorial Day!</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">I've been gone for a while. I've been enjoying the post-bankruptcy life for the last few years. The topic used to consume me, but I'm happy to report that there are now days that go by in which I don't even think about it. I'm sincerely grateful for that, but I don't ever want to forget the lessons I learned from it, which is why I'm resurrecting this bankruptcy blog.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">It also makes me a little nervous that I'm coming up on the 8-year mark. That is, it will soon be 8 years since I filed my bankruptcy petition. That means I could file again if I needed to, but I'm not going there! It's just weird to think about.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">There were many people who helped me through my personal bankruptcy — most of them strangers on the internet — and I want to pay that forward if I can. In addition to talking about the ins and outs of bankruptcy, I want to concentrate on giving small advice to get you through the day, whether you're thinking about filing for bankruptcy or are already in the middle of one. BK is hard. But, please know that things get better if you let them.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
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<h3>
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">My Life After Bankruptcy</span></b></h3>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">So far, so good. I wish I could say I was completely debt free now, but that would be a lie. The good news is that soon after you are discharged from a BK, you start to get credit opportunities again. However, that can also be bad news. Being in debt sucks, but sometimes it's a necessary evil. I'm not that much in debt, but it still bothers me. I'm working to pay it off as soon as possible.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Anyway, I'll be talking about life since bankruptcy a lot more going forward. I just wanted to touch base. If you have any questions, concerns or just thoughts, drop me a comment. I may not have the answer, but I offer you an ear.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Until next time,</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Good luck on your Fresh Start,</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">ep</span><br />
<br />
<br />
<br />
<br />epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-47460038345284538012013-01-27T18:52:00.000-08:002013-01-27T18:54:05.711-08:00Bankruptcy Jail: Can You Go to Jail for Debt?<b style="font-family: Arial, sans-serif;">Bankruptcy
Jail: Can You Go to Jail for Debt?</b><br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">By itself,
failure to pay your bills is not a crime in the United States. Though the term
is freely bandied about today, Bankruptcy Jail, or Debtor’s Prison, has not
existed since the mid-1800s. While there are some circumstances that could land
you in the pokey, the average debtor who can’t pay the credit cards is highly
unlikely to wind up there.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">What are the
circumstances that might cause a debtor to be imprisoned? Well, that varies
from state to state but can include failure to pay child support (if one can
afford to) and failure to pay other court-imposed costs. Other things that
could cause you to go to jail for debt are ignoring court orders and unpaid debt
incurred through fraudulent or other criminal actions. In California, one may
be imprisoned to pay down court-imposed costs under certain programs.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
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<span style="font-family: "Arial","sans-serif";">An unethical,
and illegal, tactic that collection agencies often employ is to threaten
debtors with imminent arrest and jail. Where fraud or other criminal activity
is absent, this is not going to happen. A policeman is not going to show up on your
doorstep, but if a creditor decides to sue you, someone with a summons in hand will.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Even though
you are unlikely to go to jail for not paying your bills, being buried in debt
is its own form of prison, and ignoring your situation won’t do anything to
make it better. In fact, burying your head in the financial sand can actually
make it worse. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">The best
thing you can do when overwhelmed by debt, whether you file bankruptcy or not,
is to speak with a bankruptcy lawyer. Many give free consultations where you
will be able to get a better handle on your situation. If you’re not sure how
to shop for a lawyer, check out <a href="http://www.bankruptcyattorneytips.blogspot.com/">what I learned about choosing a bankruptcyattorney</a>.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">So, does
bankruptcy jail exist? No. Can you go to jail for debt? Highly unlikely, but it’s
remotely possible. Talk to an attorney to know for sure.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Good luck
with your fresh start,<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">ep<o:p></o:p></span></div>
<br />epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com2tag:blogger.com,1999:blog-4784539008185957960.post-50275184229564393092013-01-13T19:49:00.000-08:002013-01-21T16:53:12.986-08:00How to Pay for a Lawyer<!--[if gte mso 9]><xml>
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</b><br />
<div class="MsoNormal">
Whether you need to file bankruptcy or you have another
pressing legal matter which requires you to hire an attorney, it can be hard to
come up with needed funds. If you're filing bankruptcy, you likely don't have
any money, and the stress you are under no doubt makes it tough to think of
ways that you can pay for your lawyer. If you need the services of a bankruptcy
attorney or any other type of lawyer, and you are hard pressed for cash, the
following tips may help.</div>
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1. Reduce your everyday expenses. Use coupons when buying
groceries, stop eating out, and start brewing coffee at home. Look for cheaper
car insurance, and carpool to work. No corner is too small to cut when it comes
to saving money, and you can find all sorts of ways to do it once you put your
mind to it. It helps to think of budget tightening as temporary. Remember that
you can start treating yourself to little luxuries again after you get back on
your feet.</div>
<br />
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2. Use gift money. Sure, you'd like to put the money that
Aunt Ida gave you towards something fun like a vacation to Disneyworld or a
diamond collar for Fido, but it is best earmarked for helping to pay your
lawyer. There will be other trips to take and other opportunities to pamper
your pooch. Now is the time to take care of you.</div>
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3. Do your taxes as soon as possible, and use the refund to
retain your attorney. Put aside what you thought you were going to do with the
money, and get legal help instead. You'll be better off in the long run.</div>
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4. Get a second job. Ouch, I know, but this job doesn't have
to be permanent. It only needs to last as long as it will take to save up the
money for a bankruptcy attorney. Just think, after your bankruptcy is
discharged, you will likely be in better financial shape, making a second job
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5. Rent out a room in your home. I don't blame you if you don't want a roommate, but this can be temporary too,
but the goal is to get money coming in as soon as you can. The sacrifices that
you make now will pay off big time in the future.</div>
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Those are just a few tips on how to pay for a lawyer that
you may find of use. Remember that it's never a good idea to borrow money to
pay for an attorney, and that goes double if you're looking for a bankruptcy
attorney. Also, many attorneys will give you a free consultation, so make sure
you take advantage of this to get a better grasp of your situation. If you need
more information about choosing a bankruptcy attorney, see my<a href="http://bankruptcyattorneytips.blogspot.com/"> bankruptcy lawyer tips.</a></div>
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Drop me a comment if you've got something to say. I wish you
the freshest of starts. </div>
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<br /></div>
<div class="MsoNormal">
ep </div>
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</b>
epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com2tag:blogger.com,1999:blog-4784539008185957960.post-24604445083286703262012-12-31T16:09:00.000-08:002013-01-22T20:01:33.582-08:00California Bankruptcy Exemptions 2013<div class="MsoNormal">
California bankruptcy exemptions increased on January 1st
thanks to California Assembly Bill 929. The following<span style="mso-spacerun: yes;"> </span>reflects new amounts included in system two :</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Homestead:<span style="mso-spacerun: yes;"> </span>$24,060</div>
<div class="MsoNormal">
<br /></div>
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Motor Vehicles: $4,800</div>
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<br /></div>
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Household Items: $600</div>
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<br /></div>
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Wildcard: $1,280</div>
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<br /></div>
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Tools of Trade:<span style="mso-spacerun: yes;">
</span>$7,175</div>
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<br /></div>
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Life Insurance: $12,860</div>
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<br /></div>
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Personal Injury: $24,060<br />
<br /></div>
<div class="MsoNormal">
I am pleased to see the Tools of the Trade increase is a
healthy one. (it was $2,200) There were some changes to system one as well. Be
sure and discuss this with your lawyer to determine which system is right for
you. If you're still looking for legal representation, check out my tips for
finding a bankruptcy attorney.</div>
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<br /></div>
<div class="MsoNormal">
For those of you who are planning your 2013 bankruptcy later
this year:<span style="mso-spacerun: yes;"> </span>know that federal and
California bankruptcy exemptions will be going up again, but not until April.
So, if you're looking for further California bankruptcy exemptions amounts
(2013), I will post them here once they become available.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For comparison purposes, here are the last year's California
bankruptcy exemptions.</div>
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<br /></div>
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Hope this helps you with your planning, whether your choose
these exemptions or go with the federal ones.</div>
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<br /></div>
<div class="MsoNormal">
Best of luck and a fresh start to all in 2013. Everyone have
a safe and happy New Year!</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
ep</div>
epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-10626860467718882012012-12-30T11:11:00.003-08:002013-01-21T16:54:07.358-08:00New Years Resolutions 2013<!--[if gte mso 9]><xml>
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<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">New Year's Resolutions 2013</span></b></div>
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<br /></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">As 2013 draws to a close, the air is thick with year-end
vows to lose weight, quit smoking, and get a better job. Other popular 2013 New
Year's Resolutions include drinking less, recycling more, and becoming physically
fit through exercise, a healthier diet, or both. These are all admirable goals,
but most people won't meet them. So, why make a wish list for the New Year that
you probably won't fulfill? </span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">I'm not big on New Year's resolutions. In my
experience, they can do more harm than good by the time February rolls around
and not a single one of them has been kept. Failure to accomplish your goals
coupled with the extra burden just put on yourself after a stressful holiday
season can leave you feeling disappointed, inadequate, and more stressed than
ever. (Avoiding stress, by the way, is also a popular New Year's resolution -
do you see the irony in that?)</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">But, how are you going to reach your goals, if not
through an annual commitment to change? Well, I propose making life resolutions
instead of yearly ones. With life resolutions, your goals become easier to
achieve, not only because they will always be on your mind, but also because
you have given yourself some leeway in reaching them. Rather than having a
month or so to prove yourself to yourself, you've got the rest of your life to
get it right. Break down larger goals into smaller ones, and celebrate each
step forward. This will allow you to gradually and successfully lose weight, wean
yourself off of smoking, or start exploring better job opportunities.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Oh, and don't forget to include getting out of debt
in your life resolutions, whether that means bankruptcy or not. If you're still
in a position where you are able to, start chipping away at that debt or learn
about your debt relief options. Even if you aren't going to file bankruptcy, it
is a good idea for you to get a free consultation with an attorney, who can
help you get a better picture of your financial situation. If you don't know
how to go about this, read my tips for <a href="http://www.bankruptcyattorneytips.blogspot.com/">choosing the right bankruptcy attorney</a>.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">The life resolution I am making is to post more to
this blog. Like the debtor who can still afford it, I am going to chip away at
my blog. I make myself no promises as far as the timeline. I am not going to
guarantee myself that I'll make 15 posts a month. That way, when I make ten
posts a month, I'll be free to celebrate the increase of my writings rather
than cry over the five that got away.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">As you ponder your New Year's Resolutions in 2013,
don't be so hard on yourself. You <i>can</i> accomplish your goals…just maybe not all
of them in the month of January.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Wishing you a fresh start (whatever that may mean
for you) in 2013,</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">ep</span></div>
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epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-68460698244973139552012-12-26T19:49:00.000-08:002012-12-26T20:04:24.064-08:00Personal Bankruptcy Myths<!--[if gte mso 9]><xml>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Time to talk about personal bankruptcy myths. As always, please don't take my word as gospel. Talk to a bankruptcy attorney about your own particular situation. Read my <a href="http://bankruptcyattorneytips.blogspot.com/">tips to help you find a bankruptcy attorney</a> before you meet.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">There is so much bad bankruptcy information on the web, that it needs to be debunked somewhat regularly. Here are some of the most common myths about bankruptcy:</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">1. The bankruptcy laws of 2005 made it nearly impossible to get a personal bankruptcy discharge. This is just not true. Yes, the laws changed in 2005 to help prevent bankruptcy fraud, but the vast majority of folks will still be able to get a fresh start, whether it's through a chapter 7 or a chapter 13 bankruptcy. </span><br />
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">2. Bankruptcy will ruin your credit. Okay, this one isn't so much a myth as it is a ridiculous notion for many people. Of course, bankruptcy can ruin healthy credit. But, if you are considering bankruptcy, the chances are great that your credit is already is already bad....maybe <i>really</i> bad. Bankruptcy may actually improve your credit score.</span><br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">3. You can't afford a bankruptcy lawyer. Yes, you can. Many lawyers will let you pay them off over time. Again, refer to my <a href="http://www.bankruptcyattorneytips.blogspot.com/">bankruptcy lawyer tips</a> for more information.</span><br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">4. If you pay off certain credit cards prior to filing, you can keep those cards open. Nope. It's highly unlikely that any creditor will keep your credit open once they catch wind of your bankruptcy, even if you don't owe them anything. What's more, if you make what is called a preferential payment to any one creditor in an effort to not include them in your creditor matrix, the trustee can actually go after that money if it's over a certain amount. What that means is that it can be retrieved and put back into your estate to be distributed differently than you had intended. </span><br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">5. You can run up the balances on your credit cards shortly before filing. <b>DON'T EVEN THINK ABOUT IT!</b> That is fraud, and you will get caught. There are guidelines between your last charges and when you should file. This is another reason you need to talk to an experienced attorney.</span><br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">6. Your stuff is worth a lot. Well, it could be, I suppose. But most people value their belongings unrealistically. Your two year old couch is not worth what you paid for it. It is worth considerably less. Why is this important? Because your belongings will determine what your assets as a whole are worth, and that could make the difference between whether you can file a chapter 7, and in what you get to keep. It's possible for many people to keep everything they own (I did), and a lawyer can give you guidance on how to self-appraise your loot.</span><br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Those are some of the most common personal bankruptcy myths. There are more, and perhaps we'll get to them later. The point of this post is to not believe everything you read on the web about bankruptcy. Find out how to get a <a href="http://www.bankruptcyattorneytips.blogspot.com/">free consultation with an attorney</a>, and find out the straight dope for yourself. </span><br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Wishing a fresh start to all in need,</span><br />
<br />
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">ep </span>epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-67242568379103973952012-12-24T18:40:00.001-08:002017-10-21T21:14:25.650-07:00Bankruptcy Attorney Search in 2013If you're conducting a bankruptcy attorney search, I just want to take a moment to remind you that you are not alone. It's hard to consider bankruptcy at any time of year, let alone around the holidays. So, if you're feeling overwhelmed by your situation, keep in mind that it's only temporary.<br />
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Nearly four years out of bankruptcy now, my life is in good shape, and I no longer have the stress of trying to figure out how to pay bills that couldn't possibly be paid. My bankruptcy discharge was truly a fresh start, and I couldn't be more grateful that I've had this wonderful opportunity to start over.<br />
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I wish everyone a fresh start for the new year if that's what is needed. And, if you're feeling blue because it's looking sparse underneath the Christmas tree, remember that it's not material things that matter this holiday season. It's loving and being with the ones you love that is most appreciated.<br />
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Good luck with your bankruptcy attorney search. May you experience a peaceful and joyous year end and new year.<br />
<br />
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-61213654246972200272012-09-23T20:46:00.002-07:002012-09-23T20:47:34.886-07:00Living on Cash after Bankruptcy<b>Living on Cash after Bankruptcy</b><br />
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After bankruptcy, my life is different than it used to be in more ways than one. Gone are the days of using credit cards to fulfill whims...well, at least the whims that could be satisfied within credit limits. In the more than four years since filing bankruptcy, I've learned a lot of lessons - stuff I wish I'd learned much earlier in life. One of the most significant lessons I learned was how to live on cash only.<br />
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Of course, I had to cease using all credit cards before I even filed my Chapter 7 bankruptcy. That's just part of how it works. Not using credit cards also meant that I had to start using cash for everything, and that takes some getting used to. However, I've discovered, living on cash is a much better way to live than living in debt.<br />
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For one thing, I can't spend more than I earn, which is something many people do. If I want something I can't afford, I have to save up for it. Funny how we are taught to do that as children and then ignore that teaching once credit rears its ugly head into our lives. This is a great lesson to make sure your children learn now.<br />
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Before I go on, I need to expand on the definition of "cash only". It doesn't mean you have to carry large amounts of cash. That would be inconvenient and also dangerous. By cash only, I'm really talking about any payment methods that don't drive you into debt. They don't have any interest, and they don't have any fees. For the purposes of this premise, living on "cash only" includes the use of paper checks and debit cards. Living on cash only has more to do about living without credit than it does to do with how to live on cash.<br />
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You are probably afraid of living without credit, and that's perfectly normal. One of the biggest fears I hear from people is that they won't be able to do things like get a rental car or reserve a hotel room. That's simply not true. All you need is a debit card that doubles as a MasterCard or Visa. Most banks offer these with no credit check and no fees. If you can't get one from your bank, there are plenty of banks online to choose from.<br />
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You should build up an emergency savings fund. This may take a while to get going, and if you have an emergency before the funds are saved, there are other options. Many medical offices will allow you to split up payments if you can't afford to pay the amount upfront and in full if you agree to your payments that are set to be charged to your debit card on predetermined dates. There may even be discounts for people whose income is lower than a certain threshold. Don't be afraid to ask what your options are.<br />
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It's worth mentioning that it's unrealistic that you'll never need some sort of credit. For those of us who can't afford to buy a home or car outright, saving up for one won't be an option either. It may actually be necessary to acquire a credit card or two (no personal cash loans) to establish or re-establish credit so that you can eventually get a home loan or a car loan. Those are acceptable forms of debt as long as you can afford them and you budget for them.<br />
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If you find you do need a credit card to rebuild your credit history, the following tips are imperative:<br />
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1. Pay the balance in full each month and put the payment in your budget. This way, you will never acquire interest. <br />
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2. Don't open a credit card that has an annual fee. These types of cards usually give you a credit limit that is just over the fee, so they are virtually useless and actually harmful.<br />
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3. Pay all credit cards in full and on time. No late fees. If you must set up recurring payments to do this, then do it.<br />
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4. Don't use credit cards to pay for luxury items. Buy necessities that you would otherwise budget for. Again, pay them in full each month.<br />
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5. Open a cashback credit card or rewards card. This way, you can even earn cash back on your purchases. Why not make money on your necessary expenses?<br />
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6. Remember tips 1 - 5. You opened the credit card in order to establish credit and nothing more. As long as you follow these rules, having ONE credit card (maybe two) still counts as living on cash.<br />
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That's how to live on cash not only after bankruptcy, but also in lieu of it. When used correctly, a credit card can be a useful tool for financial health, but only when paid for with cash. The problem is that too few of us use credit correctly. The peace of mind that comes from living on cash is priceless, and I love it. I want you to experience it too.<br />
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Wishing a fresh start to all who need one,<br />
<br />
ep<br />
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<br />epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-16833780410391637342012-06-28T16:00:00.001-07:002012-06-28T16:00:51.770-07:00PACER and Bankruptcy – Court RecordsThis post addresses PACER and bankruptcy – specifically how you can use PACER to make your bankruptcy a bit less stressful. With Pacer, bankruptcy court records are easily viewed online from the comfort of your own home.<br />
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<u><i>What is PACER? <b></b></i></u><br />
If you've never heard of PACER, you haven't necessarily been living under a rock. Most people will never need to know about PACER. However, if you have filed bankruptcy, or are going to file bankruptcy, you do need to know about PACER and how you can use it to monitor your case.<br />
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PACER is the acronym for Public Access to Court Electronic Records. It is typically used by lawyers, but it is accessible to all.<br />
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<u><b>Why use PACER?<i></i></b></u><br />
So, do you really need to use PACER? No, you don’t. However, many people find it comforting to be able to view any documentation that is filed with the court over the course of their bankruptcy. In my case, I had an issue with a creditor who added themselves to my creditor matrix after the bankruptcy petition had been filed. <br />
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I owed that creditor nothing when I filed. It was a mistake, and my lawyer, though a good one, did not tell me about it. It ended up being corrected eventually, but it delayed my discharge by several months. Had I not discovered the documentation on PACER, I definitely would have been worrying about why my simple Chapter 7 case was not yet discharged. Bankruptcy is a stressful enough when <i>nothing</i> goes wrong.<br />
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You'll want to use PACER if you find it hard to talk to your attorney. If you'd rather view your court records online, that's perfectly understandable. Bankruptcy is a hard thing to talk about, even with a competent lawyer.<br />
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If you're going to file without an attorney (or PRO SE)) you especially need to use PACER. As I’ve said before, I don’t think it’s a good idea to file bankruptcy without a lawyer, but if you’re going to go that route, you’re going to need PACER.<br />
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Lastly, if you want to check for milestones as they occur in your bankruptcy, PACER is the place to do that. Those milestones include things like your Declaration of No Assets and, of course, your bankruptcy discharge.<br />
<u><b><br />How Much Does PACER Cost?<i></i></b></u><br />
It costs .08 per page. That is .08 per page viewed (not just printed). However, you are not charged anything unless you rack up at least ten bucks in charges per quarter. That is why you don’t want to check your bankruptcy status too frequently, or go nosing around and looking at other cases. There have been many people who have become obsessed with PACER, and it has cost them a small fortune. When I was going through bankruptcy, I made it a point not to check it constantly, and I never paid a penny for the service. <br />
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One final word of caution: do not view your bankruptcy court records through third party sites. Entering information on third party sites that promise to deliver your PACER records can make your information accessible to the search engines. The search engines do not have the ability to access your records on the PACER site. Only use www.PACER.gov.<br />
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Let me know if there are any other questions about PACER and bankruptcy by me dropping a comment.<br />
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May your fresh start come very soon,<br />
<br />
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com2tag:blogger.com,1999:blog-4784539008185957960.post-82283963536530578852012-06-22T04:48:00.000-07:002012-06-22T04:48:36.919-07:00Bankruptcy and Car Insurance<p>I’m back after a long hiatus, and bankruptcy questions have been piling up. This one is about bankruptcy and car insurance. Understandably would-be filers are asking “does bankruptcy affect car insurance”?</p>
<p>In most states it can. This is because most states allow car insurance companies to factor in credit scores when determining rates. So, a bankruptcy could very well raise your insurance premiums. Or, you may even be denied coverage.</p>
<p>However, I think it’s necessary to point out that the vast majority of folks who file bankruptcy have a lousy credit score to begin with. It is rare for a filer to have an acceptable credit score, much less a stellar one. In fact, filing bankruptcy might even raise credit scores for people who haven’t been paying their bills.</p>
<p>Also, some states, such as California and Massachusetts, forbid the use of credit scoring to determine your rates. Many other states have tried to fight it also, but, in the vast majority of states, using your credit score for insurance purposes is still legal.</p>
<p>Some companies (again, except in states where this is illegal), can drop your auto policy if you are in default on a debt you have with them. For example, I had USAA insurance and I also had a USAA credit card that I included in my bankruptcy petition. Because I live in California, USAA could not drop my car insurance, but they would have if I lived in a state that allowed it.</p>
<p>It's just wrong that if you file bankruptcy, car insurance companies are able to use your credit score to charge you higher rates or deny you coverage, even if you’ve never lapsed. Fortunately, there are still plenty of carriers that do not use credit scores to determine eligibility or rates, regardless of where you live. For the best rates, you just need to shop around. You can even get a car insurance quote online.</p>
<p>As always, this and other issues regarding your bankruptcy should be discussed with a competent bankruptcy attorney. I am not a lawyer.</p>
<p>Good luck to all who need a fresh start,</p>
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-64696121051266063142011-09-26T07:35:00.000-07:002011-09-26T07:35:00.911-07:00What Is Reaffirmation?What is reaffirmation? You may be interested to know that a reaffirmation agreement in bankruptcy may allow you to keep your car or house.<br />
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A reaffirmation agreement is an agreement between you and your creditor to keep your loan and your property, despite the fact that you are filing bankruptcy. You do need to continue to make the payments on time, and reaffirmed debts will continue after your bankruptcy is discharged until the loan is paid off.<br />
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This can be advantageous when filing a chapter 7 bankruptcy in which you wish to keep your car or home. While a chapter 7 bankruptcy can relieve you of the debt that you have, without a reaffirmation agreement, secured property will be repossessed or foreclosed on.<br />
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Reaffirmation is voluntary for the lender though they almost always agree if you are current on your loan payments, because they would rather get their money than not. <br />
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You may have other options to keep your property or it may not be a good idea to try and keep it. So much depends on your own unique circumstances and that's why it's so important to consult a good bankruptcy attorney. See my tips for <a href="http://www.bankruptcyattorneytips.blogspot.com/">choosing the best attorney</a>.<br />
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I hope I've answered the question: What is reaffirmation?!!! <br />
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Good luck with your fresh start!epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com2tag:blogger.com,1999:blog-4784539008185957960.post-59881283644089674392011-08-24T14:50:00.000-07:002011-08-24T14:50:00.704-07:00Bankruptcy And Spouse Liability<u><b>Bankruptcy And Spouse Liability</b></u><br />
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Are you thinking of filing bankruptcy by yourself and want to know how the bankruptcy will affect your spouse? Or do you you want to know how your spouse's bankruptcy will affect you? A few things you should know about bankruptcy and spouse liability...<br />
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Can one spouse file bankruptcy? Yes. You are entitled to file bankruptcy individually but it <i>can</i> have varied effects on your spouse, depending on your circumstances.<br />
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You will be protected by the automatic stay in bankruptcy when you file, but your spouse will not be. If you and your spouse have no joint debts, then your spouse will not be liable for any debts that are yours alone and included in the bankruptcy. <br />
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However, if you have jointly co-signed on loans, then your spouse is still responsible for the debt, even if a discharge is granted to you. A creditor could come after your spouse for debts that you include in your bankruptcy. The exception to this would be if you filed a chapter 13 bankruptcy, in which 100 percent of the debt is to be paid back over time. Only then will your spouse be protected.<br />
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Credit reporting agencies may report the bankruptcy on your spouse's credit report, if your spouse has co-signed on any of the loans.<br />
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If you own property with your spouse and you live in a community property state (California is a community property state), it is possible that the property could be sold and the funds used to pay off creditors.<br />
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Your bankruptcy can affect future credit worthiness for any transactions that you and your spouse attempt jointly.<br />
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Of course, it can be more complicated than this depending on variables unique to your circumstance. That is why it is so important to discuss filing bankruptcy without your spouse with a bankruptcy attorney, which I am not.<br />
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Wishing you all a fresh start,<br />
<br />
ep<br />
epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-16184268763248150702011-05-29T10:12:00.000-07:002011-05-29T10:13:29.134-07:00Bankruptcy Home Exemption California 2011The bankruptcy homestead exemption (also referred to as the bankruptcy home exemption) protects a certain amount of equity in your home when you file a chapter 7 bankruptcy. This is the amount that you are allowed to keep before unsecured creditors are paid. Unsecured creditors are those without a lien or judgment against you.<br />
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Californians are not allowed to use the federal bankruptcy home exemption. Instead, they have two sets of bankruptcy exemptions to choose from. Under the one set, the homestead exemption increased by $25,000 as on January 1, 2010. <br />
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A homestead is defined as any real or personal property that you occupy and could include a mobile home, boat, condo, or community apartment.<br />
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Under one set of bankruptcy exemptions (system 2 and the one you would normally choose if you own a home in which there is a lot of equity), the amount of equity that is protected is:<br />
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$75,000.00 if single and not disabled<br />
$100,000.00 for families if no other member has a homestead<br />
$150,000 if age 65 or older or physically or mentally disabled<br />
$100,000 if 55 or older, single and earn under $15,000 or married and earn under $20,000.<br />
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Another set of bankruptcy exemptions (system 1) in California provides for only $20,725 and these may be the exemptions that you choose if you do not own a home or have very little equity in one. Under this set of bankruptcy exemptions, the unused portion may be used to exempt or protect any real property. <br />
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For example, if you only have 5K equity in your home, you could use the remaining $15,725 to cover the property of your choice. If you do not own a home, you can use the entire $20,725 to cover the property of your choice. <br />
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I chose system one which was a no brainer since I did not own a home. This allowed me to protect some additional stocks, bank accounts, cash and jewelry.<br />
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As always, please consult with a qualified bankruptcy attorney before making any decisions as to which bankruptcy home exemption to use as you may have circumstances unique to your case. I am not a lawyer.<br />
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Wishing a fresh start to all who need one,<br />
<br />
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-71226257724328977742011-05-27T08:31:00.000-07:002012-12-23T16:28:28.887-08:00Bankruptcy and PaypalLearn what I did about choosing a bankruptcy lawyer <a href="http://www.bankruptcyattorneytips.blogspot.com/">here</a>, or skip ahead to find out about Bankruptcy and Paypal.<br />
Wanna know what happens to your PayPal account when you file bankruptcy? I did and it was one of the few pieces of bankruptcy information that I couldn't find prior to filing.<br />
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I was very concerned about my PayPal account when I filed bankruptcy because I'd been selling on eBay for years and needed to be able to continue using my PayPal account or I wasn't going to have any money at all coming in. I also had PayPal Buyer Credit (not sure that still exists) through GE Money Bank. <br />
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I paid off the PayPal Buyer Credit account prior to filing because I didn't want it to harm the regular PayPal account. I also kinda wanted to keep my PayPal buyer credit. My bankruptcy attorney said I didn't need to but I was paranoid. Since the balance was under 600.00, this was not a preferential payment. However, paying that bill was like throwing that money down the drain since all my debts were discharged and GE Money Bank closed my PayPal Buyer Credit Account anyway.<br />
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In fact, they also added themselves to my creditor matrix (yes, even though I owed them nothing at this point) and this ended up delaying my bankruptcy discharge. I called them when they did this and tried to straighten it out but they wouldn't talk to me because of the automatic stay...I tried telling them that YES, they could talk to me because I did not owe them anything but it fell on deaf ears. <br />
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They said to have my lawyer call them but I didn't. (I should have but when you're in the middle of bankruptcy, things get overwhelming and sometimes you just don't want to deal with stuff, even though you should) Eventually someone at GE Money Bank figured out their mistake and they withdrew themselves from my bankruptcy. My discharge followed.<br />
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Anyway, I am happy to report that nothing happened to my PayPal account or my PayPal debit card. PayPal is actually a money transfer service, not a bank account. <br />
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Also worth mentioning is that the bankruptcy trustee never asked to see any PayPal statements or documentation, but I suppose he could have, so be ready to share that information if requested to do so. As long as you are doing everything on the up and up, you should have nothing to worry about.<br />
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And, as always, consult with a bankruptcy attorney to determine what needs to be done in your own, unique bankruptcy.<br />
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Wishing a fresh start to all who need it,<br />
<br />
epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com6tag:blogger.com,1999:blog-4784539008185957960.post-23411671765539734202011-05-25T08:53:00.000-07:002011-05-27T09:52:04.576-07:00A Bankruptcy Lawyer SpeaksEvery once in a while I like to post articles which show other people's perspectives. This one is from a Charleston bankruptcy lawyer and I think it's a good read but you need to read the whole thing in order to get the true tone. <br />
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It sounds harsh at first but it's really not. The bankruptcy lawyer illustrates the work that you need to put into your own bankruptcy to have a successful outcome and I think it's important for people to realize that they will need to be involved in the process to ensure that success. The original article can be found <a href="http://www.scbankruptcyattorney.com/blog/file-bankruptcy/2011/05">here</a>.<br />
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<b>Want to File Bankruptcy? Then NO WHINING!</b><br />
<i>Written by Charleston Bankruptcy Lawyer, Russell A. DeMott</i><br />
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Filing bankruptcy requires some work. Sure, you expect the bankruptcy lawyer to work, but there’s also some work that the client must do.<br />
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<b>The straight scoop</b><br />
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If you take time to get to know me, you’ll discover that I’m, well, blunt. As subtle as a Toby Keith song, I like to say. I speak plainly, and I say what I mean. I can take a very complicated concept and break it down so that a six-year-old can understand it.<br />
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Most people appreciate that. We live in a world full of spin–a polite way of putting it. And since I keep my blog G-rated, I won’t give it any other names. But I view the attorney-client relationship as important. And in any important relationship, there must be communication and honesty. So here goes.<br />
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<b>My Clients: “Bless their hearts”</b><br />
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One of the things I love about the South is that before you say something negative about someone, if you preface it with “bless her heart” or “bless his heart,” then it’s okay to just tell it like it is. (“Bless her heart, but she’s just nothing but a tramp.”) I don’t know who thought of this, but it was brilliant.<br />
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Well, bless their hearts, but some of my clients are just whiners. Don’t get upset with me now; I said “bless their hearts!”<br />
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I love the vast majority of my bankruptcy clients. I feel bad for them. I genuinely like them. I want to help them. Sometimes, I have to fight back the tears when they tell me what they’ve been going through. I feel their pain. I’ve had financial problems and known the stress. (I wrote about it in the post, “Bankruptcy Fears: Nothing to Fear But Fear Itself.”)<br />
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But when it comes to getting me what I need to file their cases, you’d think I’m asking some of them for a kidney.<br />
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<b>We’ve been over this before</b><br />
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Filing bankruptcy under our new and messed up Bankruptcy Code is maddening at times. The Code requires a lot of work on things it really shouldn’t and which don’t lead to useful information–like the means test form, which I refer to as “the colon of the Bankruptcy Code” because of what it produces. Lots and lots of work and number crunching is involved in that *&*# form, and it just doesn’t yield any useful information. I’m with you on this; it’s frustrating.<br />
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To be successful with your bankruptcy, we must get a bit obsessed with documents and information about your finances. I explained all this in “Bankruptcy Documents: It’s a Moving Target” and “Bankruptcy Documents–”Turn the Page.” I also go through the process in great detail in my bankruptcy guide.<br />
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<b>But it’s really not that bad</b><br />
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But it’s not that bad. Sure, I’ll need two years tax returns, six month’s pay stubs (plus any received right up until you file bankruptcy), and six months bank statements, just to name a few things.<br />
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Think of it this way, though. Say I charge $2,000 as an attorney fee to file a particular bankruptcy. You say, “that’s a good fee.” But wait a second. What if my hypothetical bankruptcy client has $75,000 of debt he’ll be discharging and it takes him 15 hours of work to get through the process (meetings with me, getting documents, filling out forms, going to court, emailing me, making phone calls )? THAT’S $5000 PER HOUR tax free! Not too shabby. That’s way more than I make per hour, more than any bankruptcy judge earns per hour, and more than your trustee or the U.S. Trustee earns per hour. And many clients have significantly more than $75,000 in debt–some $500,000 and some over $1,000,000. You do the math.<br />
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It’s all in your perspective</b><br />
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The key is the big picture. Sure, the Code’s a mess. Some of the requirements are odd and illogical, but keep the benefits in mind. $5000 per hour (or $10,000 or $50,000?) isn’t bad–especially when it’s tax free! <br />
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So understand that yes, I’m sympathetic. I know you feel ashamed, scared, humiliated. But keep in mind that bankruptcy is a “gift from the federal government” as one of my friends calls it. Don’t take out your frustrations on me or my staff–especially not my staff. Congress didn’t ask me about how to draft the Bankruptcy Code. (They didn’t even ask the bankruptcy judges!) I’m just playing the cards we’ve been dealt.<br />
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Always remember this: You’ll get more of a benefit from the bankruptcy system than anyone else will. So act like it and quit whining!<br />
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Postscript: The overwhelming majority of my clients are cooperative and get me the information and documents I need to file their cases. This post is directed at the small minority of clients–you know who you are–who expect the benefits of bankruptcy without putting effort into their cases. It just doesn’t work that way, and I hope you appreciate being told the truth about your responsibilities. <br />
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<i>So there you have it. The "straight scoop", as he calls it, from an experienced bankruptcy lawyer. Be prepared to do a little work and you will get your fresh start.</i><br />
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<i>Wishing a fresh start to all that need it,<br />
<br />
ep</i>epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com2tag:blogger.com,1999:blog-4784539008185957960.post-78219493890336910142011-05-23T20:52:00.000-07:002017-10-19T20:28:00.585-07:00Filing For Bankruptcy RequirementsWhat Do You Require While Filing for Bankruptcy?<br />
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In the present recession, there is a drastic rise in the number of people confronting debt problems. People are discovering themselves up to their necks in debt. A minority of people are able to remove their encumbrances by taking advantage of debt relief programs like <a href="http://www.ovlg.com/debt-settlement/">debt settlement services</a>. Others are devastated and are left with only the resort of bankruptcy.<br />
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This last group should be aware of the requirements of filing bankruptcy before actually filing. At one time, every debtor in the USA had the right to file for bankruptcy under chapter 7. But since the bankruptcy laws changed in 2005, it has become more difficult for every debtor to qualify for filing a chapter 7 bankruptcy. They now need to meet certain criteria for filing a bankruptcy under chapter 7.<br />
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Below are some of the important considerations for filing bankruptcy:<br />
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1. Filing for Chapter 7 bankruptcy is not an easy task, but it is achievable. The bankruptcy court will require you to pass a Means Test (bankruptcy form 22A. This will decide whether you are eligible for a chapter 7 bankruptcy. Your monthly income level is measured against the median of your state and your allowable expenses are also taken into account. You may or may or may not be able to file for a chapter 7 bankruptcy, where all debts are discharged. If you do not meet the criteria for filing a chapter 7, you may have to file a chapter 13.<br />
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2. Filing bankruptcy under chapter 13 does not require a means test to ascertain your monthly income. If it is determined that you can pay back some or all of your debts over a period of time, you will be put on a payment plan of no longer than five years. However, it also depends on the amount and type of debt that you owe. <br />
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3. When you file for bankruptcy, you must abide by all the terms and conditions related to it in order to get the bankruptcy discharge. You need to abide by all federal, state, and local rules and regulations or your case could be dismissed.<br />
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All required forms need to be filed correctly and in the right jurisdiction<strike></strike>. This is why it really is critical to consult with a bankruptcy attorney when filing for bankruptcy. <br />
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Good luck to all.<br />
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This article was guest authored by Anya Bennett, and edited by epiphany.<br />
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epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0tag:blogger.com,1999:blog-4784539008185957960.post-84700185411023764522011-04-21T11:24:00.000-07:002011-04-21T11:24:10.847-07:00GE Care Credit ReviewMY GE CARE CREDIT REVIEW<br />
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After my bankruptcy, funds are still tight. So when my cat got very sick, I wasn't sure exactly what I was going to do. Fortunately while doing some research, I learned about GEMB Care Credit.<br />
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There are a lot of nasty reviews out there for GE Care Credit but I could not be more grateful to them. Those nasty reviews are from people who didn't bother to read what they were signing up for.<br />
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GEMB is GE Money Bank and GEMB Care Credit is a health care credit card for you and/or your pet. You can go to any health care provider or vet that accepts this credit. <br />
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There is no interest on the credit that you get from GE Care Credit as long as you pay it off during the promotional period. The promotional period will depend on the amount of credit needed. Generally, the more credit you need, the longer time you will have to pay it off.<br />
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But miss a payment, or pay late and interest will kick in. I think this is what so many people don't understand. If you are a care credit cardholder you can pay the bill online, but make sure you pay it by 5pm eastern time on the day it is due (that's 2pm for me) or your payment will be considered late and you will be charged a late fee.<br />
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So read the fine print if you sign up for GE Care Credit. As long as you understand the rules, and are able to pay on time, you should have no problem. <br />
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The one drawback for me was only having a handful of vets to choose from but as far as I am concerned, the pet care credit was a lifesaver. I'm still paying it and if I don't get it paid off in the promotional period, and have to pay interest, it will still be worth it. My cat got the care she needed.epiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com8tag:blogger.com,1999:blog-4784539008185957960.post-39142824493372316202011-04-20T13:50:00.000-07:002011-04-20T13:50:29.201-07:00The Definition of CreditorTHE DEFINITION OF CREDITOR ~ SECURED CREDITORS AND UNSECURED CREDITORS. If you are going to file bankruptcy, you need to know the difference.<br />
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I was asked by someone the other day to explain the difference between secured and unsecured creditors so I thought I would answer it here too in case anyone has the same questions.<br />
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First of all, in case you haven't heard the word, the definition of a debtor is simply a person who is in debt or under financial obligation to another person or company. If you are filing for bankruptcy, the debtor is you.<br />
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The definition of a secured creditor(s) is a lender, individual or otherwise, who holds a legally enforceable claim to a debtor's asset. Examples of this would be a mortgage, lien, or other collateral. <br />
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Secured creditors may legally seize or repossess property when loans are in default. In bankruptcy, secured creditor debts must be satisfied before any unsecured creditors.<br />
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The definition of an unsecured creditor(s) is a lender who extended credit to a debtor without any collateral. In bankruptcy, unsecured creditors are paid only after secured creditors are satisfied. Unsecured creditors are often not paid anything if the debtor qualifies to have all debts discharged in a chapter 7 bankruptcy.<br />
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Because there is no collateral required, unsecured debt usually carries with it a higher interest rate. However, in the first years following bankruptcy, it may be tough to qualify for any type of unsecured credit. Successful Filers often opt to get a secured credit card, also known as a bank secured card.<br />
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A secured credit card usually requires a deposit that will be matched by a line of credit. Many filers use these bank secured cards to help them re-establish credit after bankruptcy.<br />
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So there you have the definition of a creditor and then some. As always, consult with your attorney about your particular situation.<br />
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Good luck to all,<br />
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epepiphanyhttp://www.blogger.com/profile/00991505776217348685noreply@blogger.com0