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Paul Garay's picture
Submitted by pwg on Thu, 05/13/2010 - 5:20pm

A lot of clients wonder what steps it takes to file a bankruptcy case. Below is a basic outline of our appointment schedule. We don't charge you for wanting to see us and you are always welcome to add a follow-up, document drop-off or payment appointment if you chose.

At Lincoln Law we understand that you are going through tough times so we don't hassle you for payments or to schedule appointments. The appointments below are always required.

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Unexpected debts from medical bills can happen to anyone.

Medical Bills Debt in Northern California

If you are struggling with medical bills, you are not alone. In fact, the average out-of-pocket medical costs for all medically bankrupt families was $17,943 (American Journal of Medicine, 2009).

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Credit card debt can happen to anyone.

Credit Card Debt in Northern California

If you are struggling with credit card debt, you are not alone. In fact, the average American household has $8,329 in credit card debt (Nilson Report, April 2009). With the unemployment rate at 9.5%, many Americans are using their credit cards to help make ends meet.

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After the current bankruptcy law went into effect in 2005, many people were left with the impression that bankruptcy relief was no longer available or too difficult to obtain. Nothing could be further from the truth.

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In October 2005, the laws which govern Chapter 13 bankruptcy changed. One of the more significant ways the law changed dealt with the eligibility requirements for filing for Chapter 7 and Chapter 13 bankruptcy.

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In the midst of these difficult times, it can be hard to keep up with all the expenses. Thousands are losing their jobs every month, but the bills still keep coming. Falling behind on payments for any type of vehicle happens to the best of us. Sometimes life deals you adversity that you didn't expect. You don’t have the money for it, but if you put off paying the car payment, you can get some other bills paid, and hope that you can catch up next month. Many justify the decision because it could only cost a late charge.

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On October 17, 2005, new bankruptcy law went into effect, changing the process of filing for bankruptcy throughout the United States. This new shift in law requires additional steps to be taken by the attorney and the debtor but has been geared toward benefiting the debtor with the end result. The following details explain the changes in the law and how they will affect anyone considering bankruptcy.
 

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The entrepreneurial spirit is one of the touchstones of American culture that has made our country so strong. The willingness of driven individuals to step out and risk their financial stability for the sake of a business they believe in has been a catalyst of our country’s growth. However, a recent study by the University of Nevada showed that one in seven bankruptcies are filed by individuals tying to cope with the failure of a small business.