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  • Managing Bankruptcy Fees is Important

    Call: 888-297-6203

    Thinking of getting rid of your debts through bankruptcy? You will be surprised to know that you require additional money to file for bankruptcy. Ironic it may seem to say, Los Angeles based bankruptcy law firm Recovery Law Group lawyer, but it is important to pay bankruptcy fees. However, people who have meager income can opt for a waiver of bankruptcy fees. A waiver of bankruptcy fees is available only to those people who cannot even afford to hire a lawyer. People who have enough money to pay for a lawyer can obviously pay the bankruptcy fees too. Thus, you cannot avoid bankruptcy fees if you have hired a bankruptcy attorney for getting through your bankruptcy discharge.

    Though filing of a bankruptcy can be done without a lawyer, it is not advised as the chances of successfully getting a discharge without a lawyer are very slim. You can call 888-297-6023 to schedule an appointment with experienced bankruptcy lawyers Los Angeles regarding your case. An alternative is available for people with legal representation who wish to avoid paying bankruptcy fees. You can cover bankruptcy fee and legal fee using your tax cover. If that option is unavailable, you could ask your family or friends for a loan for the required amount. Since bankruptcy gets you free from unsecured debts which were holding you back, once you get the discharge, you will be in a better position to pay back the loan to your friends.


      *Are you more than 60 days past due on your mortgage?

      *Do you own a home?

      Are you currently working?

      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • Can You Save Your Vehicle in Bankruptcy?

      Can You Save Your Vehicle in Bankruptcy?

      Call: 888-297-6203

      Filing for bankruptcy is probably the last resort people opt for concerning the ill effects it has on a person’s credit score. Even after they have decided that bankruptcy is probably the only way, they can get rid of the huge mountain of debt that has been crushing them for a long time, their major concern is that they might end up losing their property. Well, Dallas based bankruptcy law firm Recovery Law Group, informs that losing property during bankruptcy is not a common occurrence. With various exemptions in place, people can protect their property.

      Fear of losing property despite opting for bankruptcy can be an awful streak of bad luck. People are majorly concerned about saving their house and their vehicle as living without either seems next to impossible. A vehicle is no longer a luxury but a necessary item if you wish to save time on commuting. The amount of assets you can save depends on which chapter of bankruptcy you file under. Different exemptions are available for assets of people in different bankruptcy chapters. Secured debts such as vehicle loan can be reserved through other options also. These include debt redemption, debt reaffirmation or surrendering the asset. If you are up to date on your car payments, you can opt for debt reaffirmation or redeem the debt. If, however, you feel you do not need the vehicle, you can surrender it. Since these choices can be quite confusing for a person facing an immense burden of debt, it is advised that you consult with experienced attorneys Dallas regarding it. You can schedule an appointment with a bankruptcy lawyer by calling 888-297-6023.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Proof of Claim – How Creditors Get Paid in Bankruptcy

        Proof of Claim – How Creditors Get Paid in Bankruptcy

        Call: 888-297-6203

        Bankruptcy has been one of the best tools to get rid of debt. Many people across the country regularly benefit from it. However, a point of concern is that, are the creditors always in a loss when any person files for bankruptcy? If that would have been the case, say Dallas based bankruptcy law firm Recovery Law Group lawyers, objections would have been raised against the entire process. Creditors get paid during bankruptcy, be it Chapter 7 (liquidation of assets) or Chapter 13 (repayment plan). They are assured of payment if they prepare and file a proof of claim.

        What is proof of claim?

        When bankruptcy is filed by a debtor, they are expected to list all their creditors along with the debts in the papers filed. These papers are used to inform the creditors of the impending bankruptcy. Once the creditor receives notification of the debtor’s bankruptcy filing, they should file a formal written statement if they wish to receive a payment through the bankruptcy estate. This statement is known as proof of claim and it is sent to, not just the bankruptcy court but also to the debtor, bankruptcy trustee as well as any other concerned party. This is particularly important for unsecured creditors. Proof of claim can be submitted in both Chapter 13 and Chapter 7 bankruptcy Dallas cases. Secured creditors, however, are not required to file this document as their debts are secured by liens.

        By when can proof of claim be filed?

        Unsecured creditors can be government or non-government. Though the criterion does not depend on the bankruptcy chapter, it surely does on the origin of the creditor. Government creditors can submit their proof of claim documents within 180 days of the meeting of creditors; while non-government ones need to submit theirs in 90 days. An experienced attorney Dallas can ensure that the claim papers are in order and filed within the stipulated time period. You can call 888-297-6023 to fix an appointment with qualified lawyers to deal with this issue.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Know Everything About Bankruptcy Before Opting for It

          Know Everything About Bankruptcy Before Opting for It

          Call: 888-297-6203

          Your finances are something you generally don’t discuss with everyone. If you are facing some monetary problems, your family or a few friends might be able to come to your rescue. If, however, the debt is too much, even they can’t help. Bankruptcy might be the only possible way to legally get rid of debt. Despite the advantages of bankruptcy, it is important that you don’t jump into it without being aware of the details or you might end up blindsided. Los Angeles based bankruptcy law firm Recovery Law Group, suggests that it is always important if you consult experts before coming to such an important decision as a bankruptcy.

          Many people fear bankruptcy as it can have a negative effect on their credit report. However, there is no denying the fact that you can get rid of several unsecured debts through it. If credit card bills, personal loans, and medical bills form the major chunk of your debts then bankruptcy is the best way out for you; though, it is vital that you hire the services of qualified attorneys specializing in the field. This is because bankruptcy is a complex process involving numerous rules and regulations and laws which are not everyone’s cup of tea. A professionally qualified person such as a lawyer can suggest the best way to get rid of debts.

          There are various chapters through which you can get debt relief and the requirement for each varies. Individual debtors can file for bankruptcy under Chapter 7 or Chapter 13. Since every case is different there is no thumb rule to determine which chapter of bankruptcy is ideal for you to apply for debt relief. Having a bankruptcy lawyer can be an asset in this case. If you would like to consult with experienced bankruptcy lawyers Los Angeles, you can call 888-297-6023 to schedule an appointment.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Bankruptcy Options Available for Small Business Owners

            Bankruptcy Options Available for Small Business Owners

            Call: 888-297-6203

            Not just individuals, but small business owners can also face issues when it comes to handling finances. In case there are financial issues plaguing a business which cannot be managed easily, the owner might have to take the hardest decision ever; filing for bankruptcy to get relief from debt. If you are left with no other option except filing for bankruptcy, it is important that you hire the services of experienced lawyers to handle your case. You can seek consultation with bankruptcy attorneys by calling 888-297-6023.

            Lawyers of Dallas based bankruptcy law firm Recovery Law Group, elaborate that there are a number of bankruptcy chapters under which small business owners can file for bankruptcy. The bankruptcy criteria differ in all three – Chapter 7, Chapter 11 and Chapter 13. While Chapter 7 is the most common one for small businesses, the requirement for qualification is stringent in this case. Any non-exempt property is sold off to pay creditors and the remaining dues are discharged after bankruptcy.

            Chapter 11 bankruptcy works by re-organisation of debts in such a manner that you do not have to shut down your business. This bankruptcy is best used for small corporations, partnerships and even for sole proprietors of business. Though Chapter 13 bankruptcy Dallas relief is for individuals it can also be used by sole proprietors to get debt relief. Chapter 12 bankruptcy is available for families of farmers and fishermen to get rid of excessive amount of debt.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Is it Possible to Reopen Your Bankruptcy Case?

              Is it Possible to Reopen Your Bankruptcy Case?

              Call: 888-297-6203

              When people file for bankruptcy, their bankruptcy can either be dismissed because it does not fulfill all criteria, lacks some important document or has valid objections raised against it by creditors; or, the bankruptcy is discharged once all responsibilities are completed (dues are cleared). However, inform Los Angeles based bankruptcy law firm Recovery Law Group lawyers, sometimes, the bankruptcy case is closed without a discharge. Since bankruptcy is a complex process, closure of case without discharge is possible. If this is the case, you will require the assistance of experienced bankruptcy lawyers. You can call 888-297-6023 to schedule an appointment with the best-qualified attorneys.

              Sometimes, your bankruptcy file might be closed because of a mistake- like not completing the mandatory credit counseling course or worse, completing it and forgetting to attach the certificate. Since the course is compulsory, the lack of certificate might cause your case to be closed without a discharge. Not listing all your creditors and/or your assets is another reason which can cause your bankruptcy file Los Angeles to be closed without a discharge. An experienced bankruptcy lawyer can guide you through the process of reopening your bankruptcy file or you could avoid making these mistakes altogether if you hired an attorney from the start.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Filing for Bankruptcy? Know Your State Specific Requirements

                Filing for Bankruptcy? Know Your State Specific Requirements

                Call: 888-297-6203

                When you find no other way out of the huge financial mess, bankruptcy might be an excellent option to get rid of your debts. However, it is important to understand that despite bankruptcy being governed by federal laws, it is not the same in every state. Apart from federal laws, state rules and regulations are also equally important, say lawyers of Dallas based bankruptcy law firm Recovery Law Group. It is therefore vital that you hire attorneys who are well versed with the state laws regarding bankruptcy as well as the exemptions provided during the process.

                When any individual files for bankruptcy, there are various factors to be kept in mind. These include:

                • You are required to complete a government-approved credit counseling program, six months before you file for bankruptcy.
                • Once you file for bankruptcy, you are expected to complete a financial management instruction program.
                • The next step is very important as it determines when you will get a discharge. Your finances are studied to determine whether you can qualify for Chapter 7 bankruptcy (pass the means test). If your average income for the past six months is less than the state median, you can opt for Chapter 7, otherwise, your option is Chapter 13 bankruptcy.
                • Paperwork is filed according to the Chapter of bankruptcy the debtor qualifies for.

                Though you can file for bankruptcy without a lawyer too, it is advised to hire experienced lawyers since the paperwork can be quite complex. If you wish to have a successful bankruptcy discharge, you should have your papers in order. To do so you need the assistance of qualified lawyers. You can schedule an appointment with experienced bankruptcy attorneys Dallas by calling 888-297-6023. A lawyer can help protect the majority of your assets through the exemptions provided by your state.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • Is Personal Information Revealed During Bankruptcy?

                  Is Personal Information Revealed During Bankruptcy?

                  Call: 888-297-6203

                  Unable to meet financial commitment is a cause of embarrassment for most people. Majority of them choose to file for bankruptcy to get rid of debts and often avoid letting the news of their bankruptcy out. Many times, they don’t even discuss these issues with their closest friends. Thus, disclosing it to employers or landlord etc. is out of the question. While filing for bankruptcy, a lot of personal information is shared, and this is a major cause of worry for them. Since bankruptcy filing is public information, people are worried as to what happens to the personal information when they file for bankruptcy. Moreover, since disclosing of probable bankruptcy can have an adverse effect on their job, their worry is genuine.

                  According to Los Angeles based bankruptcy law firm Recovery Law Group , when you file for bankruptcy, a notice is sent to all your creditors mentioned in the bankruptcy papers. If you owe money to your landlord, and the name is listed in your papers, they will be notified of your bankruptcy. However, you don’t need to worry about other personal information supplied along with bankruptcy papers to be disclosed during the proceedings. Since your tax identification number or social insurance number is not provided in the bankruptcy papers, you don’t have to worry much.

                  Bankruptcy is aimed to provide financial relief to people who have been struggling with debt. A qualified bankruptcy lawyer will ensure that not only do you get a timely discharge of debts but also that your personal information is protected. If you wish to make maximum use of bankruptcy relief options, you need to call at 888-297-6023 to speak with experienced bankruptcy lawyers Los Angeles.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • How to Handle Creditors’ Claims in Bankruptcy?

                    How to Handle Creditors’ Claims in Bankruptcy?

                    Call: 888-297-6203

                    Often people who have been neck-deep in debt find bankruptcy the best possible way to get rid of their loans and make a fresh financial start. Having an attorney to guide you through the process is essential in this case, as the legal terms, as well as the procedure, is complicated for people. For seeking consultation with expert bankruptcy attorneys, you can call 888-297-6023. Most of the times, people are aware of their debts; the amount and the creditors alike. Usually, when people are under lots of debts, the possibility of losing assets exists. This is true, especially in case of secured debts like mortgage and automobile loans.

                    When any person files for bankruptcy, Los Angeles based bankruptcy law firm Recovery Law Group informs, their creditors are notified about it. A 341 meeting also known as a creditors meeting takes place where creditors can present information regarding their dues as well as counter any claims made by you. Though it is not mandatory for debtors to attend this meeting, it is important that you are sure that your creditors are not providing incorrect information. Mortgage creditors need to be watched especially carefully as many times mortgage companies have been found guilty of noncompliance of bankruptcy laws.

                    Several discrepancies have been observed when it comes to mortgage company claims in a bankruptcy case. Mortgage loan providers need to comply with consumer protection laws. Yet, there have been reports of missing documents which might be vital for the case. Late fees and charges also come under the mortgage and might be used against you. If claims of mortgage creditors are not handled properly, you might end up losing your home. It is therefore important to pay attention to the documents and claims made by all your creditors and not just mortgage lenders.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                    • What is the Role of a Trustee and Bankruptcy Administrator?

                      What is the Role of a Trustee and Bankruptcy Administrator?

                      Call: 888-297-6203

                      Bankruptcy is a complicated process. Since most people have lived a sheltered life, dealing with financial problems which have gone out of hand, and the legal jargon involved in bankruptcy can be a bit too much. It is therefore advised to consult experienced lawyers if you are contemplating bankruptcy as a way out of the huge burden of debt. If you wish to know more about bankruptcy, you can call 888-297-6023 to speak with qualified bankruptcy lawyers.

                      As per lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, the bankruptcy trustee and bankruptcy administrator probably play the most important role in your bankruptcy. Despite bankruptcy being a federal legislation, state laws regarding the same also play an important part. Apart from the states of Alabama and North Carolina, where Bankruptcy Administrators oversee the bankruptcy proceedings, all the remaining states have a U.S. Trustee as the person who oversees the bankruptcy case.

                      The bankruptcy trustee is responsible for supervising your case. Additional duties involve liquidation of non-exempt property to pay your creditors, administering the money as per the repayment plan to the creditors, etc. Bankruptcy administrators also carry out the same work, but they do not do so directly. They have a panel of private trustees to do the work. The administrator oversees that all the transactions is carried out properly as well as checks the conduct of debtor and creditors.

                      Bankruptcy can be quite complex, and you certainly cannot afford to make mistakes. If you wish to get a discharge of your debts successfully, you should trust qualified bankruptcy lawyers Los Angeles to handle your case.


                        *Are you more than 60 days past due on your mortgage?

                        *Do you own a home?

                        Are you currently working?

                        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.