Throughout the years bankruptcy has often been a confusing and heartbreaking process for thousands of people. The questions that come with such a detailed process are many, and even the answers may not always be as simple as one may like. This article will focus on four simple questions, and provide simple and effective answers to the biggest questions.
What is a Chapter 7 Bankruptcy?
When considering bankruptcy as a solution, it is important to know the difference between the two main forms: Chapter 7 and Chapter 13. A Chapter 7 bankruptcy, often referred to as a straight bankruptcy is basically a liquidation of the debtors property in order to pay for debt owed to different creditors. In this form, the debtor usually has no losable assets and therefore is given a relatively quick 'new start' to life, which is one of the main purposes of having bankruptcy laws.
What is a Discharge in a Chapter 7 Bankruptcy?
Within three to five months of the bankruptcy process the debtor is usually given a 'discharge' of all non-exempt debts, meaning that any debts included are no longer the responsibility of the debtor to repay. Effectively a discharge prevents a creditor from performing any kind of collection (be it letters, phone calls, or personal contact) on debts that have been discharged, and all personal liability is released, with the exception of any liens that may not be incorporated into the proceedings.
Why Do People File A Chapter 7 Bankruptcy?
The most frequent reasons for this form of bankruptcy are overextending medical expenses or credit, marital problems, and any other large and unexpected bills. Unemployment is often a reason that leads to many of these problems, and therefore is sometimes included in explanations. A Harvard study published online in February of 2005 by Health Affairs stated that illness and medical expenses caused 50.4% of personal bankruptcies in 2001, and affect around 2 million Americans annually.
How Does the New Bankruptcy Law Affect a Chapter 7?
While the new bankruptcy laws have been given a negative slant since their release, many are still eligible and can still file. Basically the new law stops some citizens with higher incomes from using a Chapter 7 and instead makes them file under a Chapter 13. In addition, credit and budget counseling is required before bankruptcy filing is possible, and more counseling is required before any debts can be erased.
Money education has sometimes been blamed for ones credit crises, and the new law aims to solve that problem. New requirements have also been placed on bankruptcy lawyers, such as the lawyers' accountability for accuracy of all information submitted.
All in all bankruptcy is a very serious matter, and while you can do a large amount of research on your end, it is always necessary to seek professional advice and counseling in these situations. While the new laws may make bankruptcy lawyers harder to find, it also has weeded out many who were not serious about helping people who find themselves in hard situations. Call around and find a lawyer you are comfortable with and one that you fell will make this hard situation seem just a little easier.
For more information and guidance about financial laws and financial protection, visit http://www.kanzerlaw.com. Kanzer Law specializes in bankruptcy information.
Wednesday, January 20, 2010
Thursday, October 1, 2009
Bankruptcy - Filing on Your Own May Be Ruinous to Your Lifestyle
Foreclosures are rising daily, as people become less able to keep up with the economic downturn. Many families are at risk every day of losing the houses they worked so hard to make into homes. A little known area of bankruptcy can stop these foreclosures from happening.
A chapter 13 bankruptcy filing is a process that can stop foreclosure proceedings and enable homeowners time to catch up on past mortgage payments. Under a chapter 13 bankruptcy, the process will stop as long as the homeowners can make the current payments while the bankruptcy proceedings are occurring. Chapter 13 can also enable other debts to be rolled into the plan, allowing payments to be made over the course of the agreement.
Chapter 13 bankruptcy may be considered a type of debt consolidation. Typical repayment plans through chapter 13 bankruptcy last between three to five years. The range is based on income level, not on amount of debt being filed. The process of a chapter 13 bankruptcy can be confusing.
First, the bankruptcy petition is filed&. After the filing, the debtor is issued a stay and all potential legal action from creditors is halted. The plan for repayment is usually filed with the petition, but may be filed up to 2 weeks after the initial filing. A meeting between debtor and creditors are held and a plan for repayment is agreed upon. The case then goes to the bankruptcy court where a judge determines if all parties are satisfied and that the plan is within the bankruptcy code standards. Within one month of the plan being filed, the repayments begin. Once all repayment is complete, the debts are discharged.
The similarities between chapter 13 and traditional chapter 7 bankruptcy lie with the paperwork. There are many forms and documents to be submitted and the process can become quite overwhelming. Married couples must submit both parties information, even if filing alone. A competent and experienced bankruptcy attorney can help the process be less of a hassle. The attorney will instruct the debtor on what forms and information are needed to file and the amount of court costs.
Even though chapter 13 bankruptcy is more of a debt consolidation plan, it will remain listed on the individual's credit history. This will most likely prevent the average citizen from obtaining a personal loan or even a car loan. If the individual is able to obtain a loan, the interest rate will be exceptionally high, but this is a small price to pay for saving a family's residence from foreclosure.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit websites in your state that are like http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
A chapter 13 bankruptcy filing is a process that can stop foreclosure proceedings and enable homeowners time to catch up on past mortgage payments. Under a chapter 13 bankruptcy, the process will stop as long as the homeowners can make the current payments while the bankruptcy proceedings are occurring. Chapter 13 can also enable other debts to be rolled into the plan, allowing payments to be made over the course of the agreement.
Chapter 13 bankruptcy may be considered a type of debt consolidation. Typical repayment plans through chapter 13 bankruptcy last between three to five years. The range is based on income level, not on amount of debt being filed. The process of a chapter 13 bankruptcy can be confusing.
First, the bankruptcy petition is filed&. After the filing, the debtor is issued a stay and all potential legal action from creditors is halted. The plan for repayment is usually filed with the petition, but may be filed up to 2 weeks after the initial filing. A meeting between debtor and creditors are held and a plan for repayment is agreed upon. The case then goes to the bankruptcy court where a judge determines if all parties are satisfied and that the plan is within the bankruptcy code standards. Within one month of the plan being filed, the repayments begin. Once all repayment is complete, the debts are discharged.
The similarities between chapter 13 and traditional chapter 7 bankruptcy lie with the paperwork. There are many forms and documents to be submitted and the process can become quite overwhelming. Married couples must submit both parties information, even if filing alone. A competent and experienced bankruptcy attorney can help the process be less of a hassle. The attorney will instruct the debtor on what forms and information are needed to file and the amount of court costs.
Even though chapter 13 bankruptcy is more of a debt consolidation plan, it will remain listed on the individual's credit history. This will most likely prevent the average citizen from obtaining a personal loan or even a car loan. If the individual is able to obtain a loan, the interest rate will be exceptionally high, but this is a small price to pay for saving a family's residence from foreclosure.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit websites in your state that are like http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
Thursday, August 20, 2009
Declare Bankruptcy Protection
The Financial Answer to Foreclosure and Credit Card Debt
Despite the country experiencing a slowing economy, riddled with skyrocketing unemployment and financial assistance at all time highs, one would assume that the overly aggressive and predatory lending habits of diminishing banks would have abated. Unfortunately that has not been the case. As more and more lending institutions are filing for bankruptcy or being swallowed up by larger, but still troubled financial institutions, these same agencies are gambling with future possible revenue that has not been paid to them. In essence, these failing banks racing the clock.
Individuals and homeowners alike are experiencing the same type of financial stresses and burden, only there isn't another agency swooping in to bail them out. Instead foreclosure, disastrous credit history, and bankruptcy are what looms on the horizon. Even those families which had been enjoying a well off living a few years ago, are now being reduced to a single car family or having to downsize to a rental home in order to make ends meet.
Late night television which features financial investment wizards and advice columnists have risen dramatically in popularity as the public searches for any information and hope that economic instability will turn around or can be weathered. These shows, though, can not give specific advice to any one individual's or family's situation.
The wisest course of action is to seek out an experienced financial consultant. Many banks offer financial advising for their clients. If a homeowner's bank does not offer these services, the bank may be able to refer a particular company or help point the customer in the right direction.
Sometimes the financial devastation is just too great and declaring bankruptcy is the only logical choice remaining. When is filing for bankruptcy the right thing to do? Only a qualified attorney can make that determination and recommendation. The majority of attorneys specializing in bankruptcy offer free consultations. It is at this point which an individual will learn the ins and outs of bankruptcy and how bankruptcy protection is able to help get the individual or family's feet on financial solid ground.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
Despite the country experiencing a slowing economy, riddled with skyrocketing unemployment and financial assistance at all time highs, one would assume that the overly aggressive and predatory lending habits of diminishing banks would have abated. Unfortunately that has not been the case. As more and more lending institutions are filing for bankruptcy or being swallowed up by larger, but still troubled financial institutions, these same agencies are gambling with future possible revenue that has not been paid to them. In essence, these failing banks racing the clock.
Individuals and homeowners alike are experiencing the same type of financial stresses and burden, only there isn't another agency swooping in to bail them out. Instead foreclosure, disastrous credit history, and bankruptcy are what looms on the horizon. Even those families which had been enjoying a well off living a few years ago, are now being reduced to a single car family or having to downsize to a rental home in order to make ends meet.
Late night television which features financial investment wizards and advice columnists have risen dramatically in popularity as the public searches for any information and hope that economic instability will turn around or can be weathered. These shows, though, can not give specific advice to any one individual's or family's situation.
The wisest course of action is to seek out an experienced financial consultant. Many banks offer financial advising for their clients. If a homeowner's bank does not offer these services, the bank may be able to refer a particular company or help point the customer in the right direction.
Sometimes the financial devastation is just too great and declaring bankruptcy is the only logical choice remaining. When is filing for bankruptcy the right thing to do? Only a qualified attorney can make that determination and recommendation. The majority of attorneys specializing in bankruptcy offer free consultations. It is at this point which an individual will learn the ins and outs of bankruptcy and how bankruptcy protection is able to help get the individual or family's feet on financial solid ground.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
Monday, August 3, 2009
The Mortgage is Close to 90 Days Past Due - Foreclosure Imminent - Consult a Bankruptcy Attorney
It is true that history repeats itself. In search of a fresh start, the early American settlers and founding fathers, many of whom were bankrupt and penniless, came to the new world. Bankruptcy today is exactly that, a fresh start, but without the cruise across the Atlantic. Bankruptcy protection is no longer a shameful experience of which to take advantage. A few of the nation's most trusted and respected professionals and corporations have taken advantage of this same bankruptcy protection, such as GM, Northwest Airlines, Delta, Lehman Brothers Holding, Inc., Chrysler, and countless more.
Unfortunately, those private citizens that are filing for bankruptcy will not be receiving bailout funds from the U.S. Government as will those major corporations. Because of this lack of extra financial backing, it is imperative that private individuals and families unable to pay debts or losing their home to foreclosure consult an attorney specializing in bankruptcy protection.
Should a family be 90 days past due with the mortgage payment, it is essential to consult a bankruptcy attorney immediately. Many bankruptcy attorneys will make recommendations that will allow a homeowner to continue making payments in order to prevent losing the home.
Shortly after filing bankruptcy, a hearing will be set. One instant benefit of filing for bankruptcy is that every harassing collection call will stop once each lender has been notified of the intent to declare bankruptcy has taken place. Should any lender which is owed money fail to appear at the hearing, will generally forfeit any claim to monies owed. This is not an absolute certainty, though. Certain loans and debts are not forgiven and must be paid back to the lender regardless of declaring bankruptcy or not.
Once the bankruptcy hearing has taken place, many attorney's offices will be able to refer the client to a reputable financial advisor so that the road to financial recovery may be smooth and efficient. Within a year, it will be possible to begin building a positive credit history once again through a credit card. The interest rate will be exceptionally high, but will fall as the client proves financial responsibility.
For more information and guidance about declaring bankruptcy and protecting assets through the bankruptcy process, visit http://www.gallerlaw.com . The Galler Law Firm, LLC. specializes in bankruptcy and debt consolidation, as well as, worker's compensation and motor vehicle accident representation.
Unfortunately, those private citizens that are filing for bankruptcy will not be receiving bailout funds from the U.S. Government as will those major corporations. Because of this lack of extra financial backing, it is imperative that private individuals and families unable to pay debts or losing their home to foreclosure consult an attorney specializing in bankruptcy protection.
Should a family be 90 days past due with the mortgage payment, it is essential to consult a bankruptcy attorney immediately. Many bankruptcy attorneys will make recommendations that will allow a homeowner to continue making payments in order to prevent losing the home.
Shortly after filing bankruptcy, a hearing will be set. One instant benefit of filing for bankruptcy is that every harassing collection call will stop once each lender has been notified of the intent to declare bankruptcy has taken place. Should any lender which is owed money fail to appear at the hearing, will generally forfeit any claim to monies owed. This is not an absolute certainty, though. Certain loans and debts are not forgiven and must be paid back to the lender regardless of declaring bankruptcy or not.
Once the bankruptcy hearing has taken place, many attorney's offices will be able to refer the client to a reputable financial advisor so that the road to financial recovery may be smooth and efficient. Within a year, it will be possible to begin building a positive credit history once again through a credit card. The interest rate will be exceptionally high, but will fall as the client proves financial responsibility.
For more information and guidance about declaring bankruptcy and protecting assets through the bankruptcy process, visit http://www.gallerlaw.com . The Galler Law Firm, LLC. specializes in bankruptcy and debt consolidation, as well as, worker's compensation and motor vehicle accident representation.
Bankruptcy is a New Financial Start to Build Credit
Not the Shameful End All it Used to Be
When a person is young, they are vibrant and indestructible. Nothing can keep them down. Inexperience is what contributes to this myth. As this person gains more experience, time tempers the myth and belief that every aspect of the world is awaiting them to discover and conquer. Thoughts turn from the present to that of what the future holds.
Hindsight being what it is, if the average 22 year old had only financially planned for the future instead of just focusing in on the present, the future would be much brighter. Instead, the average middle aged man or woman is finding themselves jockeying debts and living from paycheck to paycheck with little relief in sight.
With mounting credit card debts, car payments, the expense of raising children, and a sizable death pledge, also commonly referred to as a mortgage, most of the country has not experienced this much financial stress in over 50 years. Bankruptcy then was an extreme taboo. To declare bankruptcy then was completely ruinous and few if any ever recovered. Fortunately today, that same stigma of absolute failure and worthlessness has been replaced with understanding, but tempered with caution. A bankruptcy will stay listed on a person's credit report for 7 to 10 years depending on the type of bankruptcy declared. In other countries such as Britain or Australia, the period is a shorter 6 years and 7 years respectively.
It is still a very realistic expectation to succeed and prosper after claiming bankruptcy, however, the majority will find it challenging to adhere to a disciplined financial regimen where once the youthful carefree approach reigned supreme. Very few individuals or families can do this alone without some financial advisor or planning.
A large number of financial advisors will say to pay off enormous debts through debt consolidation and loan counseling assistance. Depending upon the type of debt and amount, it may not be a logical or realistic endeavour. Reputable bankruptcy attorneys also may recommend paying off one's debt if possible.
If an individual or family has been struggling with making on time payments only to keep edging further and further into late fees for a year or more, bankruptcy may be a recommended alternative in order to preserve ownership of any vehicles and home from repossession and foreclosure. They key phrase to recognize is bankruptcy protection. The complexities of filing for bankruptcy should never be attempted without a qualified attorney which specializes in bankruptcy cases. By consulting and hiring an attorney, an individual or family stands the best chance to return to a normal and prosperous life in the near future.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
When a person is young, they are vibrant and indestructible. Nothing can keep them down. Inexperience is what contributes to this myth. As this person gains more experience, time tempers the myth and belief that every aspect of the world is awaiting them to discover and conquer. Thoughts turn from the present to that of what the future holds.
Hindsight being what it is, if the average 22 year old had only financially planned for the future instead of just focusing in on the present, the future would be much brighter. Instead, the average middle aged man or woman is finding themselves jockeying debts and living from paycheck to paycheck with little relief in sight.
With mounting credit card debts, car payments, the expense of raising children, and a sizable death pledge, also commonly referred to as a mortgage, most of the country has not experienced this much financial stress in over 50 years. Bankruptcy then was an extreme taboo. To declare bankruptcy then was completely ruinous and few if any ever recovered. Fortunately today, that same stigma of absolute failure and worthlessness has been replaced with understanding, but tempered with caution. A bankruptcy will stay listed on a person's credit report for 7 to 10 years depending on the type of bankruptcy declared. In other countries such as Britain or Australia, the period is a shorter 6 years and 7 years respectively.
It is still a very realistic expectation to succeed and prosper after claiming bankruptcy, however, the majority will find it challenging to adhere to a disciplined financial regimen where once the youthful carefree approach reigned supreme. Very few individuals or families can do this alone without some financial advisor or planning.
A large number of financial advisors will say to pay off enormous debts through debt consolidation and loan counseling assistance. Depending upon the type of debt and amount, it may not be a logical or realistic endeavour. Reputable bankruptcy attorneys also may recommend paying off one's debt if possible.
If an individual or family has been struggling with making on time payments only to keep edging further and further into late fees for a year or more, bankruptcy may be a recommended alternative in order to preserve ownership of any vehicles and home from repossession and foreclosure. They key phrase to recognize is bankruptcy protection. The complexities of filing for bankruptcy should never be attempted without a qualified attorney which specializes in bankruptcy cases. By consulting and hiring an attorney, an individual or family stands the best chance to return to a normal and prosperous life in the near future.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
Monday, June 15, 2009
Bankruptcy - A Tool to Rebuild Credit...
...But You May Lose More Than Your Debt
When declaring bankruptcy, a planned timeline needs to be established several months before the actual bankruptcy papers are filed with the court system. Your qualified bankruptcy attorney should be able to walk you through this timeline during the initial consultation. During this consultation the attorney should inform you what bankruptcy "isn't" and what it "is" able to do for you, as well as any consequences.
Bankruptcy is designed to forgive most debt from revolving lines of credit. It won't eliminate every type of debt that an individual owes. Federal subsidized student loans are one example. This type of debt is excluded from bankruptcy protection. Mortgages are another type of debt that will not be eliminated, but with assistance from a qualified attorney or sometimes the debtor themselves, a forbearance may be arranged to allow a temporary delay of mortgage payments that are due.
Some bankruptcy candidates may think that several months before the official bankruptcy process begins, if they will definitely be declaring bankruptcy, they should take the maximum cash advance that each and every credit card they possess. Depending on the individual situation, doing so can complicate matters and is therefore not a wise course of action. In other words, do not do anything fraudulent, deceptive, or that can be viewed as "trying to get one over" on the banks.
Any vehicles or real property should not be sold or purchased some time before or even after bankruptcy is declared. Banks and other lending agencies are well within their rights to review many financial transactions that occur pertaining to an individual which has already declared bankruptcy. Should any real property or vehicles change hands, lenders may demand any monies received from the sale of property be forfeited and handed over to pay off any debts.
Like most legal situations, there is a window of time where reviews can take place after bankruptcy has been declared. As always, consulting with an attorney specializing in bankruptcy and other financial matters is always the best course of action and will save a lot of grief while trying to rebuild a positive credit history.
For more information about bankruptcy, there are several excellent sources available online. One great source is the Kanzer Law Firm, at http://www.kanzerlaw.com. Kanzer law specializes in helping people recover from financial disaster and protect their assets from creditors.
When declaring bankruptcy, a planned timeline needs to be established several months before the actual bankruptcy papers are filed with the court system. Your qualified bankruptcy attorney should be able to walk you through this timeline during the initial consultation. During this consultation the attorney should inform you what bankruptcy "isn't" and what it "is" able to do for you, as well as any consequences.
Bankruptcy is designed to forgive most debt from revolving lines of credit. It won't eliminate every type of debt that an individual owes. Federal subsidized student loans are one example. This type of debt is excluded from bankruptcy protection. Mortgages are another type of debt that will not be eliminated, but with assistance from a qualified attorney or sometimes the debtor themselves, a forbearance may be arranged to allow a temporary delay of mortgage payments that are due.
Some bankruptcy candidates may think that several months before the official bankruptcy process begins, if they will definitely be declaring bankruptcy, they should take the maximum cash advance that each and every credit card they possess. Depending on the individual situation, doing so can complicate matters and is therefore not a wise course of action. In other words, do not do anything fraudulent, deceptive, or that can be viewed as "trying to get one over" on the banks.
Any vehicles or real property should not be sold or purchased some time before or even after bankruptcy is declared. Banks and other lending agencies are well within their rights to review many financial transactions that occur pertaining to an individual which has already declared bankruptcy. Should any real property or vehicles change hands, lenders may demand any monies received from the sale of property be forfeited and handed over to pay off any debts.
Like most legal situations, there is a window of time where reviews can take place after bankruptcy has been declared. As always, consulting with an attorney specializing in bankruptcy and other financial matters is always the best course of action and will save a lot of grief while trying to rebuild a positive credit history.
For more information about bankruptcy, there are several excellent sources available online. One great source is the Kanzer Law Firm, at http://www.kanzerlaw.com. Kanzer law specializes in helping people recover from financial disaster and protect their assets from creditors.
Thursday, June 11, 2009
Proactive Bankruptcy and Debt Consolidation Planning with a Qualified Bankruptcy Attorney
Any attorney can provide a wide range of legal services to anyone. This doesn't mean that every attorney is specialized to do so where you need it most. The majority of lawyers and law firms specialize in a just a few areas of law. A patient wouldn't go to a dentist to have heart surgery so why should an individual in financial trouble go to an attorney who doesn't specialize in the bankruptcy and financial services? Unfortunately, the majority of individuals and families aren't proactive when retaining the services of an attorney and just end up selecting an attorney at random when calls and harassment from collection agencies become too much and foreclosure is imminent.
With our economy in shambles, satisfied bankruptcy clients are easy to find for good word of mouth reference. Much like finding a doctor, be proactive when selecting an attorney. Begin looking for an attorney before you absolutely need one. It is important to consult with a bankruptcy attorney several months before actually declaring bankruptcy. Generally, attorneys offer free consultations for almost every situation. This free consultation is for preparing your game plan so that the majority of possessions and property may be kept. Even some credit cards may be retained to help in rebuilding credit worthiness after bankruptcy has been declared. The only initial cost of a free consultation is a little personal time.
Once a lawyer or law firm has been found that meets a client's initial expectations, inquire as to the other services offered. Many attorneys that handle bankruptcy and other financial matters often handle real estate law, wills, and family law as well as estate and financial planning. Some may even be a C.P.A. (Certified Public Accountant) and offer auditing, income tax preparation, and other financial services. All of these specialties tie in together when declaring bankruptcy.
It is often most convenient for a "one stop shop" approach for the majority of an individual's or family's legal needs. At the very least, every individual or family should speak with an attorney that they are comfortable with and carry their business card in their wallet. It will come in handy if or when it comes time to take the next step. Think of it as just a little extra insurance. One may never need it, but it is nice to know one has it.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
With our economy in shambles, satisfied bankruptcy clients are easy to find for good word of mouth reference. Much like finding a doctor, be proactive when selecting an attorney. Begin looking for an attorney before you absolutely need one. It is important to consult with a bankruptcy attorney several months before actually declaring bankruptcy. Generally, attorneys offer free consultations for almost every situation. This free consultation is for preparing your game plan so that the majority of possessions and property may be kept. Even some credit cards may be retained to help in rebuilding credit worthiness after bankruptcy has been declared. The only initial cost of a free consultation is a little personal time.
Once a lawyer or law firm has been found that meets a client's initial expectations, inquire as to the other services offered. Many attorneys that handle bankruptcy and other financial matters often handle real estate law, wills, and family law as well as estate and financial planning. Some may even be a C.P.A. (Certified Public Accountant) and offer auditing, income tax preparation, and other financial services. All of these specialties tie in together when declaring bankruptcy.
It is often most convenient for a "one stop shop" approach for the majority of an individual's or family's legal needs. At the very least, every individual or family should speak with an attorney that they are comfortable with and carry their business card in their wallet. It will come in handy if or when it comes time to take the next step. Think of it as just a little extra insurance. One may never need it, but it is nice to know one has it.
For more information and guidance about debt recovery, foreclosure avoidance, and bankruptcy protection, visit http://www.KanzerLaw.com. Among other professionals, Kanzer Law specializes in helping individuals protect their assets from creditors during times of personal economic crisis.
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