The next tax issue involves 1099 debt forgiveness. If you file a bankruptcy discharging your debt the creditor will send you a 1099. You do not have to pay tax on this if you declared bankruptcy.

Another tax issue in bankruptcy involves garnishments of State tax returns. Once a creditor gets a judgment and files for a tax garnishment that garnishment perfects at filing of. So inorder to stop it you must file for bankruptcy within 90 days of the perfection. In other words if they perfected it in July and you file bankrutpcy in Febuary and have not filed your 2011 tax reurns yet you still will not get them because you already lost them. The only creditor that can garnish Federal Tax returns is the IRS and student loan people.

If you are expecting a tax return and are thinking about bankruptcy now is a good time to call me for a fee counseltation. I am still offering lower fees. I will propbably be doing the $600 Bankruptcy for the month of Febuary then I will be raising my fee.

Add aggressive debt collector to mix. You know the one’s. The guys that call everyday like you forgot they called you two hours ago. The ones that never herd of the Fair Debt Collection Practices Act. The guys that invoke more stress into your life. Yeah, those guys. The guys you want to just kick in the teeth. Sometimes you might even have the nmoney to pay them but just because they called and made you feel like crap you are not going to pay them.

Bankruptcy relief call wipe out all your debt. Can you imagine being debt free? If the phone calls stopped and you were able to keep your money can you imagine how much less stress you would have in your life?  Some people might think filing bankruptcy is stressful and they fear it. They associate more pain to filing bakruptcy then they do to being free. The would rather hear the phone calls then be free.

Bankruptcy process is easier then most people think. There is little to fear. A lot of the bad rumors that people hear about Bankruptcy are usually someone trying to be dishonest. As long as your are honest most of the time bankruptcy is user friendly.

If you live in the Flint Michigan area or Fenton Michigan and Livingston County Michigan and you are looking for a way to reduce stress call me. Lets talk.

The Second reason you would want to consider filing for chapter 13 in Michigan is if you are behind on your payments on the first you can stop a foreclosure and spread the arrears out over a number of years.  There are times when the mortgage company is just unreasonable and you need help.

Other things that can be done that gives you help in bankruptcy relief under Chapter 13 in Michigan is IRS debt can be paid and sometimes reduced, back child support, property tax, and you can sometimes do a car loan modification.

Call my office today to discuss my low down Chapter 13 payment arrangments.

This is a scary decision. Often time collection attorneys likeVarchetti, & Oliver  Roosen, out of Mt. Clemens Michigan will put claims of fraud in ever credit card collection case they file. I don’t understand how this law firm gets away with this cut and paste form of complaint. Why the judges in State Courts allow this law firm to clearly make frivolous claims in their collection complaints is beyond me. But I have a collection of complains by this firm of general collection credit card complaints and they all alleged fraud. Now according to Judge Tucker in the Pixley decision, Richard Roosen can put his fraud claim in a credit card collection complant ( without any due diligence as to if its true) and a unsafisicated  person ignores the complaint because they are saving money for a bankruptcy and it goes to default and suddenly they have a non dischargeable debt. There may not have been any fraud at all. It may have been a divorce or a job loss, but collection attorney throws a fraud claim in a general credit card collection case and you get stuck with the debt. This creates all sorts of problems.

Prior to this decision when you filed bankruptcy it wiped out most state court cases. If a creditor wanted to make a fraud claim they had to file an adversary case in Bankruptcy Court. And for the most part this is still true. But now if you have a default judgment and it makes a fraud claim you can not discharged  it. So if you are being sued by a credit card company you better read that complaint. If it alleges fraud you better file an answer within the 21 days.

Call my office today if you have questions about law suits. Particualy if you have a law firm like Roosen, Varchetti, & Oliver making false claims of fraud against you.  Do not neglect a law suit. It can effect you for a long time.

In order to reaffirm debt you must be current on the loan and carry insurance.  There is a form in the bankruptcy paperwork called a statement of intent. This document informs the creditor your intention. If want to surrender the collateral the creditor can file a motion for lift of automatic stay so that they can repose the property. In order to reaffirm debt your expenses must be less then your income. If your expenses are greater than your income you have to go before a judge and explain why you believe you can pay for the loan.

A lot of people are concerned about the reaffirmation and how it gets handled. This is covered in the fee so you don’t have to do anything but sign it. Usually the creditor emails my office the reaffirmation and I contact you.

Usually reaffirmation agreements are a simple process, unless your creditor is Ford Motor Credit. Ford Motor credit seems to make the process of reaffirmation agreements more difficult then they need to be.

Call me today to discuss my lower chapter 7 fees.

Would you like to make bill collectors leave you alone and get a fresh start?

Do you want to:

Stop the Pain

Stop the Phone calls

Save your House

Stop Repossession

Stop Wage Garnishments

Get Rid of your Debt and Reclaim your Freedom Today?

Contact me today for your free consultation:

We Believe:

You are a sincere and good person, and you’re doing your best.

You want to make a positive change in your finances, but it’s hard to do when you have creditors breathing down your neck every single day. It may be hard to remember, but there was a time when you didn’t receive multiple calls each day from collection agencies who are only concerned about taking what little money you have. Don’t they understand? It’s impossible for you to get back on your feet and pay off your debt in a steady responsible manner, when they want every penny you make right now and more. The math doesn’t work, but don’t bother them with principles of enlightened business. They’re after whatever immediate cold hard cash they can shake out of you. Ravenous wolves.

Your creditors are out to get you, but there’s a way out.

The creditors and collections agencies have done the math, and they know how to sap every last ounce of financial health from you. They get richer, and you get poorer. Well, that’s how it works when you play their game, but you don’t have to play it. You need someone who knows how to beat the creditors at their own unfair game and give you a fresh start. That’s what we are passionate about: Giving honest people like you a fresh start. We understand how easy it is to get into the downward spiral of increasing financial debt. We understand how hard it can be to turn that spiral around. At the same time, setting people free from that downward spiral is what we do best. We can guide you to decide if you need to simply rid yourself of “unsecured debt,” such as credit card balances (Chapter 7) or if you literally need intervention to save your home (Chapter 13).

Regardless of which type of bankruptcy is best for you, we are here to show you that you actually have many more options than you are most likely aware of now. This doesn’t have to be your worst case scenario, end of the road option. This can and should be a new beginning. You’ve suffered with insurmountable debt long enough. It’s time to reclaim freedom. We’re here to guide you to it.

We Are:

Serving Michigan:

We are a Consumer Bankruptcy Law Office located in Hartland Michigan. We serve Livingston County, Oakland County, Genesee County, Wayne County, Wastenaw County and surrounding areas. Our Hartland Office is 25 minutes from Flint, and 10 minutes from Brighton and Howell. We are 30 Minutes from Ann Arbor. We are about 50 minutes from Detroit.

Straight-Forward and Affordable:

The last thing you need right now is hidden or unexpected fees, so we offer an out the door price on Chapter 7 that is more affordable then most. We also have a low down Chapter 13 program, so it doesn’t have to break a bank that’s already broken. We offer quality legal service at affordable prices, because we are passionate about stopping the pain and giving our clients a fresh start through Chapter 13 Bankruptcy or Chapter 7 Bankruptcy.

Personal:

We treat every client like they are our only client. We have a free consultation. We care about you. We are service oriented.

We understand that you are going through a hard time and might be afraid to pick up that phone and call 810-632-9160. Most people are scared and embarrassed that they are a victim to aggressive lending, or medical issues, or job loss. But that phone call to our office right now might be relief from pain. Once you file Bankruptcy, creditors cannot call you, period!!!

A Bridge to Freedom:

Section 362 of the U.S. Bankruptcy Code protects you against creditors calling you. It stops the phone calls today! It gives you relief. We can put it into force for you. Can you imagine being debt free? Can you imagine a new start? We are here to help you. Please call me, Doug Dern, today at 810-632-9160. You don’t have to take it any longer. You don’t have to let creditors hurt you, embarrass you, or insult you. You simply don’t.

Quick and Honest:

As founder and owner of this practice, I have an inside look on what actually goes on in my own industry. I’m almost embarrassed for my profession, but I feel obligated to tell you: I personally hear stories about attorneys taking weeks to file a case or charging extra for an emergency filing, simply because they can. They do it because, like the creditors they claim to hold at bay, they are willing to exploit the very people who keep them in business. I think that’s wrong. If you need to reorganize to lien strip a second mortgage in a Chapter 13 or if you need to dump your credit card debt, call my office today. We offer quick turnaround times for filing of your case, and we won’t take advantage and charge you extra when you’re in a time-crunch.

Our office will have your case ready within 4 to 7 days after you provide the information we need. We do emergency filings at no extra charge. In fact, if you need an emergency bankruptcy filed to stop a garnishment or to stop a foreclosure, here is my cell number: 248-882-0838. Call me, and let’s get your case filed ASAP. Don’t pay extra for an emergency bankruptcy. You don’t have to.

Would you like to make bill collectors leave you alone and get a fresh start?

Do you want to:

Stop the Pain

Stop the Phone calls

Save your House

Stop Repossession

Stop Wage Garnishments

Get Rid of your Debt and Reclaim your Freedom Today?

Contact me today for your free consultation:

We Believe:

You are a sincere and good person, and you’re doing your best.

You want to make a positive change in your finances, but it’s hard to do when you have creditors breathing down your neck every single day. It may be hard to remember, but there was a time when you didn’t receive multiple calls each day from collection agencies who are only concerned about taking what little money you have. Don’t they understand? It’s impossible for you to get back on your feet and pay off your debt in a steady responsible manner, when they want every penny you make right now and more. The math doesn’t work, but don’t bother them with principles of enlightened business. They’re after whatever immediate cold hard cash they can shake out of you. Ravenous wolves.

Your creditors are out to get you, but there’s a way out.

The creditors and collections agencies have done the math, and they know how to sap every last ounce of financial health from you. They get richer, and you get poorer. Well, that’s how it works when you play their game, but you don’t have to play it. You need someone who knows how to beat the creditors at their own unfair game and give you a fresh start. That’s what we are passionate about: Giving honest people like you a fresh start. We understand how easy it is to get into the downward spiral of increasing financial debt. We understand how hard it can be to turn that spiral around. At the same time, setting people free from that downward spiral is what we do best. We can guide you to decide if you need to simply rid yourself of “unsecured debt,” such as credit card balances (Chapter 7) or if you literally need intervention to save your home (Chapter 13).

Regardless of which type of bankruptcy is best for you, we are here to show you that you actually have many more options than you are most likely aware of now. This doesn’t have to be your worst case scenario, end of the road option. This can and should be a new beginning. You’ve suffered with insurmountable debt long enough. It’s time to reclaim freedom. We’re here to guide you to it.

We Are:

Serving Detroit:

We are a Consumer Bankruptcy Law Office serving Detroit, Wayne County, Oakland County, Washtenaw County, Livingston County, Genesee County, and surrounding areas.

Straight-Forward and Affordable:

The last thing you need right now is hidden or unexpected fees, so we offer an out the door price on Chapter 7 that is more affordable then most. We also have a low down Chapter 13 program, so it doesn’t have to break a bank that’s already broken. We offer quality legal service at affordable prices, because we are passionate about stopping the pain and giving our clients a fresh start through Chapter 13 Bankruptcy or Chapter 7 Bankruptcy.

Personal:

We treat every client like they are our only client. We have a free consultation. We care about you. We are service oriented.

We understand that you are going through a hard time and might be afraid to pick up that phone and call 810-632-9160. Most people are scared and embarrassed that they are a victim to aggressive lending, or medical issues, or job loss. But that phone call to our office right now might be relief from pain. Once you file Bankruptcy, creditors cannot call you, period!!!

A Bridge to Freedom:

Section 362 of the U.S. Bankruptcy Code protects you against creditors calling you. It stops the phone calls today! It gives you relief. We can put it into force for you. Can you imagine being debt free? Can you imagine a new start? We are here to help you. Please call me, Doug Dern, today at 810-632-9160. You don’t have to take it any longer. You don’t have to let creditors hurt you, embarrass you, or insult you. You simply don’t.

Quick and Honest:

As founder and owner of this practice, I have an inside look on what actually goes on in my own industry. I’m almost embarrassed for my profession, but I feel obligated to tell you: I personally hear stories about attorneys taking weeks to file a case or charging extra for an emergency filing, simply because they can. They do it because, like the creditors they claim to hold at bay, they are willing to exploit the very people who keep them in business. I think that’s wrong. If you need to reorganize to lien strip a second mortgage in a Chapter 13 or if you need to dump your credit card debt, call my office today. We offer quick turnaround times for filing of your case, and we won’t take advantage and charge you extra when you’re in a time-crunch.

Our office will have your case ready within 4 to 7 days after you provide the information we need. We do emergency filings at no extra charge. In fact, if you need an emergency bankruptcy filed to stop a garnishment or to stop a foreclosure, here is my cell number: 248-882-0838. Call me, and let’s get your case filed ASAP. Don’t pay extra for an emergency bankruptcy. You don’t have to.