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  • Can Bankruptcy Help with Creditor’s Lawsuits Against You?

    Can Bankruptcy Help with Creditor’s Lawsuits Against You?

    Call: 888-297-6203

    When the going gets tough, managing your finances becomes extremely tricky. Sudden loss of job or medical problems can throw your household economy out of gear. Managing your debt payments may be problematic in such cases. It is no wonder that many people find themselves on the verge of bankruptcy. Despite its disadvantages, lawyers of Dallas based bankruptcy law firm Recovery Law Group say, filing for bankruptcy has many benefits including preventing any legal action against you.

    When you fall behind payments, creditors can pursue all kinds of actions to ensure they get their money back. These include threatening phone calls, letters and emails and even suing you for non-payment of debts. The lawsuit can have grave consequences including liquidation of assets, repossession and wage garnishment too! Thus, if you wish to save yourself from legal action and protect your assets, it is important that you take adequate action.

    Filing for bankruptcy can effectively put an end to all types of collection actions by the creditors. When you file for bankruptcy, your creditors are notified of it. With the automatic stay provision in place, your creditors cannot initiate or continue with any collection action against you. This provides you with an ample amount of time to get your finances in order. Even after a bankruptcy discharge, creditors cannot sue you for any debts that were included in your bankruptcy petition. However, if you forget to include any debt (whether individually or jointly held), you can face a lawsuit from the creditor. If a lawsuit is filed against you during or after your bankruptcy, you should inform your bankruptcy attorney about it. In case you haven’t hired one, you need to call 888-297-6023 and consult with experienced bankruptcy lawyers Dallas.


      *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 Prevent Payday Loans Creditors Through Bankruptcy?

      How to Prevent Payday Loans Creditors Through Bankruptcy?

      Call: 888-297-6203

      When people have accumulated huge amounts of debts and run out of options to get cash, they resort to extraordinary measures. A payday loan is one such method which has been used by scrupulous lenders to trick people who have been facing monetary issues out of their hard-earned money. Payday loan has an interest rate of a whooping 99% but dire circumstances require dire measures, hence people agree to this form of a loan. According to Dallas based bankruptcy law firm Recovery Law Group, people who opt for payday loans are often left at a worse condition than before.

      Stopping payday loans is quite difficult, even with bankruptcy. Although bankruptcy can hold most collection actions including foreclosure, repossession, and wage garnishment; when it comes to payday loans, an automatic stay is not enough. This is because, in lieu of a payday loan, you are required to give post-dated cheques to the creditor for the repayment of your loan. Thus, if you wish to prevent those cheques from encashment, you need to make extra efforts. Mere bankruptcy filing won’t be enough in this case.

      Though payday loan lenders can cash the post-dated cheque, an efficient bankruptcy lawyer can ensure that your funds are safe. You can either opt for stop payment on the cheques given to the payday loan lender or close the concerned bank account. Bankruptcy lawyers can guide which would be the better option from the two choices.

      The timing of bankruptcy filing is also important. If you borrow more than $750, and you wish to include this debt in your bankruptcy, you need to wait a minimum duration of 70-90 days. A bankruptcy lawyer Dallas can help you get your papers in order and ensure that most of the debts you have incurred are included in your bankruptcy papers. If you haven’t hired an attorney for your bankruptcy case, you can call 888-297-6023 to schedule an appointment for a consultation.


        *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.

      • Best Ways to Cope with Bankruptcy

        Best Ways to Cope with Bankruptcy

        Call: 888-297-6203

        Bankruptcy is a roller coaster ride. On one hand, you get rid of debts, which makes you feel happy and in control of your life; while on the other hand, your credit report gets the stamp of bankruptcy which remains for 7-10 years rendering getting loan extremely difficult. This can be a testing time, say experienced lawyers of Los Angeles based bankruptcy law firm Recovery Law Group. You can experience a variety of contradicting emotions when you choose to get rid of your debts through bankruptcy. Here’s how you can cope with them:

        • Discuss the issue with people who understand

        Many people keep their emotions bottled up which is not healthy at all. Filing for bankruptcy is a big decision which is bound to have long term effects on your life. It is therefore important that you discuss what you are going through with people who will lend a listening ear and a helping hand. Discussing things with friends might be cathartic and might even let you get over the huge emotional issue.

        • Indulge in some personal time

        Discussing how your finances had taken a turn for the worse with various unfamiliar people like a financial advisor, bankruptcy lawyer, trustee, etc. can be quite overwhelming. It is therefore not unnatural to wish to get away from all this. Once you are sure that the case is being handled by the best people, you should take some time off and give yourself the necessary rest, so that you can heal physically, mentally and emotionally.

        • Cry, if that helps

        Sometimes, crying your heart out is exactly the thing that will help you heal. Letting your emotions take the better of you might not be a luxury that you can afford, but then bankruptcy is also not an everyday occurrence. If crying helps you overcome the pressure of bankruptcy, cry.

        • Don’t forget the good points

        With numerous exemptions in place, you can protect most of your essential belongings. You can keep your home, vehicle, modest household belongings, retirement and pension accounts as well as tools of the trade. Basically, you should be thankful that you have everything to restart your life without the burden of debt.

        A successful bankruptcy discharge can be the best thing to happen to you. This can take place when you have experienced lawyers Dallas handling your case. If you haven’t hired one, you can call at 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.

           

        • What is Bankruptcy Audit?

          What is Bankruptcy Audit?

          Call: 888-297-6203

          When any individual files for bankruptcy, whether Chapter 7 or Chapter 13, there is always a possibility of an IRS audit taking place either after filing for the bankruptcy-process or during the process. However, say lawyers of Dallas based bankruptcy law firm Recovery Law Group, that filing for bankruptcy plays no role in this audit. Though bankruptcy can stop all kind of inconvenient actions like threatening phone calls, possible lawsuits, etc., it has no effect on the IRS audit.

          Every year many bankruptcy petitions are filed, out of which several are selected for an audit; however, the chances of a person who has filed for bankruptcy getting an IRS audit are like that of a person who hasn’t filed for bankruptcy. A neutral trustee is appointed to review the bankruptcy petition filed by you. If a bankruptcy audit is expected to take place in your case, you are notified within 10 days of making the bankruptcy claim.

          Bankruptcy audit is essential as it prevents the abuse of the system initially introduced to provide a fresh financial start to deserving candidates. An audit verifies the bankruptcy paperwork submitted along with the case. If the income or expenses vary immensely, there is likely to be an exception audit. A bankruptcy lawyer can come in handy in such instances. If you haven’t hired one, you can call 888-297-6023 to schedule an appointment with experienced bankruptcy lawyers Dallas. Not only will a skillful and adept lawyer help you with getting rid of your debts through bankruptcy, but will also guide you through the bankruptcy audit, if it takes place.


            *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.