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  • Using Tax Refunds for Filing Bankruptcy is the Best Use of Refunds

    Call: 888-297-6203

    As a year ends, the tax filing for the next year begins. According to Federal laws employers need to provide their employees with W2s before January end so that federal income taxes can be filed till April 18th. According to a survey conducted, 30% of people who received tax refund used it to lower their debts. Most of these people would use it to file for bankruptcy (Chapter 7 or 13). According to Dallas based bankruptcy law firm, https://www.staging.recoverylawgroup.com/ using the tax refund to file for bankruptcy not only provides the best use of money but also protects it from your creditors.

    Bankruptcy attorneys can help you with not just filing of papers but also when would be the best time to file them. Filing for bankruptcy at the end of a year provides you fresh financial beginnings in the next year. You can consult with experienced bankruptcy attorneys at 888-297-6023 to find out when bankruptcy filing would be ideal. Using tax refunds for filing bankruptcy is using it in an essential and reasonable manner, thereby making it unavailable for your bankruptcy estate. Since attorney fees are also considered a necessary expense, it is worth waiting for your tax refund to file bankruptcy. this way you don’t end up losing it and use it for your benefit.

    Many times, people who are contemplating bankruptcy often do not have the money required to pay the attorney fees as well as the bankruptcy filing fee. Waiting for your tax refunds and utilizing it for this purpose is ideal. in case the tax refund is more than enough to cover your bankruptcy filing as well as attorney fees, then you can use it for necessary expenses like mortgage payments, food, clothing, medical expenses, etc. If you are not using on luxury items and can justify the expenses, you won’t have any issues during your bankruptcy case.

    Timing of bankruptcy filing does not depend on just tax refunds but also on numerous other factors. It is therefore important that you consult with experienced bankruptcy lawyers to find the best course of action when it comes to bankruptcy.


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    • These Questions About Bankruptcy Can Make You Understand it Better

      These Questions About Bankruptcy Can Make You Understand it Better

      Call: 888-297-6203

      Bankruptcy can be quite specific and technical for a common person to understand. This has caused many problems as people fear the repercussions more than understanding the benefits it offers. You will be surprised to know that unlike other forms of debt relief, bankruptcy is quite simple. Lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, answer some of the prominent queries raised by people regarding bankruptcy.
      1. Will I end up losing all my possessions?
      Liquidation of assets takes place in the case of Chapter 7 bankruptcy. In that case, too, most assets of bankruptcy filers are exempted through state or federal exemptions, and only non-exempt property can be sold off to repay creditors. Most people can save almost all their assets through exemptions, though they may have to let go of luxury items.
      2. Can the creditors sue me?
      Filing for bankruptcy puts an end to all collection actions including repossession and foreclosure. It also protects you against any possible lawsuit filed by creditors. The creditors cannot sue you in the future too if the debts were included in your bankruptcy and discharged. However, for jointly held debts that were not discharged in bankruptcy, you or your spouse could be sued by the creditors.
      3. Can my taxes be discharged in bankruptcy?
      Some debts can survive a bankruptcy discharge. These include student loan debt and taxes. Certain taxes like some income tax can be discharged in bankruptcy while taxes like property and sale tax are not discharged during bankruptcy.
      4. Is it mandatory for my spouse to file for bankruptcy too?
      It is not essential for spouses to file for bankruptcy jointly. However, if the majority of the debts are jointly held, then filing jointly would be helpful. You can save on filing fees and attorney charges. However, the best judge of the situation would be a qualified lawyer. You can discuss this issue with experienced bankruptcy attorneys at 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.

      • Creditors Can Be Held in Contempt for Violating Discharge Ordered by Bankruptcy Court

        Creditors Can Be Held in Contempt for Violating Discharge Ordered by Bankruptcy Court

        The bankruptcy laws have been enacted to make life easier for people who are undergoing tremendous financial losses. However, despite filing for bankruptcy and getting a discharge, many times, creditors still harass debt filers for dues. Citing the bankruptcy case of Jarvar, Stanley E. and Barbara J.; In re (Jarvarv. Title Cash of Montana Inc., et. al.), the Los Angeles based law firm Recovery Law Group respite is available to debtors from creditors who violate bankruptcy discharge. Such creditors can be held in civil contempt.

        How Jarvar v. Title Cash of Montana Inc., et. al. Bankruptcy Case Changed Things

        In the above case, debtors had filed for bankruptcy under Chapter 13 with Title Cash filing proofs of claim for 2 secured claims, an amount of $7,290 each. On a later date, they withdrew both secured claims to file a single POC for a secured claim of $14,605. The debtor’s case was converted to Chapter 7 and dismissed.

        As per the trustee’s final report, Title Cash had $6,046 in principal and $1,041 in interest. The debtor then filed for Chapter 7 relief in September 2004 with Title Cash scheduled as a secured creditor and received a discharge on January 1st, 2005. However, in September 2008, the debtor filed for a state court action against Title Cash with the latter responding with a counterclaim requesting in personam relief against the debtor.

        This led to the filing of an adversary proceeding for a violation of Section 362 and 524. The bankruptcy court granted summary judgment to the debtor for seeking relief for a discharge injunction violation. Since Title Cash couldn’t file a statement of genuine issues, the facts submitted by the debtor in her Statement of Uncontroverted Facts were acknowledged.

        The creditor (Title Cash) was in violation of bankruptcy discharge, as he attempted to make the debtor personally liable (in personam) for the debt post its discharge. This is not a rare occurrence but a common practice amongst creditors. Violation of debtor’s bankruptcy discharge costs not just the debtor’s time and energy but also money which is of great importance in the current scenario. However, there have been instances when debtors have received compensation for this behavior of creditors (violation of bankruptcy discharge).

        In case a creditor is asking for payments even after your debt has been discharged in bankruptcy, you don’t need to bow down to any pressure. Contact your bankruptcy attorney to deal with such creditors.


          *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.

        • Hiding Assets Could Cost You More Than You Intend to Save

          Hiding Assets Could Cost You More Than You Intend to Save

          While filing for bankruptcy, it is mandatory for all filers to disclose their assets in their petition. It is extremely important that bankruptcy filers are truthful in their declaration and do not try to hide their assets. Some people have the opinion that if they hide their assets, those assets will remain secure and would not be taken away by the court during bankruptcy proceedings. However, probably unknown to them, they are committing perjury which is reprimanded by penalties, which in the long run may prove costlier to the filer. (more…)

        • A Concise Guide to Thriving Financially after Bankruptcy

          A Concise Guide to Thriving Financially after Bankruptcy

          No matter how indebted you were before, bankruptcy offers a chance to every individual and organization to start a fresh with a clean financial slate. However, one of the major concerns of most debtors is how to keep themselves afloat, steer clear of debt and prosper financially after their bankruptcy episode. Sacramento based law firm Recovery Law Group provides some excellent tips for you to flourish even after declaring and undergoing bankruptcy proceedings. (more…)

        • How to Prevent Bank Levies

          How to Prevent Bank Levies

          In case you have incurred huge debts and are in no financial condition to pay them off, the best resource available to you is to file for bankruptcy. To do the same you can either use one of the bankruptcy lawyers to file bankruptcy for you or you can do it yourself. However, as Sacramento based law firm Recovery Law Group explains, many times debtors filing for bankruptcy without any help from lawyers, end up into financial troubles like post-bankruptcy filing bank levies. (more…)