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Instant Legal Answers From Local Attorneys
Are my credit cards covered in a debt settlement program?
All your credit cards will be covered in a debt settlement program if you decide to enroll them in the program. Some consumers decide to put some of their credit card debt in the program, while keeping current in continuing to make payments on others, but any credit card that you wish to put through the program is eligible for the program. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard everyday representing the consumer everyday,from our headquarters in Orange County California if you need an attorney you can trust, go ahead and give us a call.
tags:
debt settlement
credit cards
debt relief
predatory lending
loan modification
foreclosure
bankruptcy
lawyer
law firm
attorney
Orange County
Los Angeles
California
Howard Nassiri
attorney: Howard | Nassiri, LLP
Will I recover my credit after bankruptcy?
I'd tell people all the time cause that's the one question that's always asked. If you have a job with secure income, you will be surprised how quickly you will recover credit because you have secure income, you don't owe anybody else any money and you are not allowed to file bankruptcy for eight years so are actually considered a good credit risk. Hi, I'm Harvey Alford with the law firm of Alford and Bertram. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
credit recovery
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What happens to my debt after a bankruptcy?
If it's a straight Chapter 7 bankruptcy, the unsecured debt, meaning credit card debt, old utility bills, and medical bills and so forth, determines the discharge. Which means that they are noncollectable. There is a permanent restraining order on any attempt to collect them. They are in effect wiped out. You no longer owe them for all practical purposes.
Hi, I'm Harvey Alford, with the law firm of Alford and Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
debt status
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What is chapter 13 bankruptcy?
Chapter thirteen bankruptcy is available, number one, for somebody who has mortgage arrears that they cannot pay, that their house is being foreclosed. And it allows them to do two things. One pay the mortgage arrears over a period of five years. It also allows them to pay only a portion of their unsecured debt, such as credit card debt, often as low as ten percent. Chapter thirteen is also available for people whose income is too high to allow them to file a chapter seven. Hi, I’m Harvey Alford with the law firm of Alford and Bertrand. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
chapter 13 bankruptcy
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What is chapter 7 bankruptcy?
A Chapter Seven bankruptcy is a bankruptcy which has a goal to discharge or wipe out all of your unsecured debt, meaning credit card debt, doctors' bills, oil bills, hospital bills, things that aren't secured by collateral that you want to keep such as a home loan or an auto. But you also have an alternative, a choice, if you have a car that you want to get rid of, you can get rid of the car, and get rid of that debt. If you have a house that for any reason you feel that you no longer can afford to live in, and you want to surrender the house and get rid of that debt, you can do that with a Chapter Seven as well. Hi, I'm Harvey Alford, with the law firm of Alford and Bertrand. We have thirty years' expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
chapter 7 bankruptcy
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Will I be able to buy a car after filing for bankruptcy?
Most people who file bankruptcy are able to purchase an automobile subsequent for the filing and discharge of either a chapter seven or a chapter thirteen bankruptcy. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.
tags:
bankruptcy
buying a car
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Can I keep my house in a bankruptcy?
In many cases you keep your home and you keep all your personal possessions. If you are behind on your mortgage in many cases a chapter 13 plan will allow you to pay back your mortgage arrears without interest, or penalties or late fees, over a period of up to 5 years. I'm Stuart Alford, a bankruptcy lawyer of the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years
tags:
bankruptcy
keep your house
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
When should I consult an attorney regarding bankruptcy?
If you are considering filing for bankruptcy or if you have questions about bankruptcy you should consult an attorney rather than go it alone. If you're receiving phone calls at home from creditors or if you are more than one payment behind on your mortgage, you should consult with an attorney immediately. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
attorney consult
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What will bankruptcy protect me from?
The filing of a bankruptcy petition will protect you from creditor action. It will protect you from phone calls. It will protect you from law suits. It will protect you from foreclosure. It will protect you from repossession. I'm Stuart Alford a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
protection
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Can I file for bankruptcy without my spouse?
You can file bankruptcy without your spouse, or a married couple can file a joint petition, as husband and wife.
I'm Stuart Alford the bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
spouse
debt relief
loan
credit cards
lawyer
attorney
bBoston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Will collection calls stop after I file for bankruptcy?
Once you've engaged the services of a bankruptcy attorney, many of your creditors will call your attorney's office instead of contacting you directly. After the bankruptcy has been filed with the court, your creditors are prohibited from contacting you directly. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
collection calls
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Why do I need a lawyer to handle my bankruptcy?
Bankruptcy law is complicated. It has become even more complicated since the so-called Bankruptcy Reform Act of 2005. Don't go it alone. Have an experienced bankruptcy attorney represent you. I'm Stuart Alford, Bankruptcy Lawyer with the law firm of Alford and Bertand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
lawyer purpose
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What happens to student loans in a bankruptcy?
Student loans are almost never discharged by the filing of a bankruptcy. The only instance in which students loans would be discharged would be a showing of extraordinary hardship, in a hearing before a bankruptcy judge. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
student loans
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What debts are forgiven in a bankruptcy?
The question is better asked the other way around. There are many more debts that are forgiven in a bankruptcy than are not forgiven. Debts which are discharged are the rule. Debts which are not forgiven is the exception. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.
tags:
bankruptcy
forgiven degts
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What debts have to be paid back in bankruptcy?
Student loans are non-dischargeable in bankruptcy in almost all instances. Also, domestic support order such as alimony or child support or similar orders are non-dischargeable in bankruptcy. I'm Stuart Alford, bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
debts to pay
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Can I keep my car after a bankruptcy?
Almost everybody who files bankruptcy keeps their car, uh, if they want to. In many cases somebody may wish to surrender a vehicle due to car payments that they are unable to afford, in which case they could elect to surrender the car. But if you don't want to surrender the car, in most cases, you will keep your vehicle as well as your other personal property. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.
tags:
bankruptcy
my car
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
How do I know if I should file for bankruptcy?
Meet with an experienced bankruptcy attorney to discuss youf financial situation in detail to determine whether or not bankruptcy will provide you with the relief that you need. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.
tags:
bankruptcy
should I file?
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Does everyone qualify for bankruptcy?
Not everybody automatically qualifies to file a chapter 7 bankruptcy. There is a means test which all deters must take in order to establish their eligibility to file a chapter 7 bankruptcy. I'm Stuart Alford, bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing Bancroft law for almost 20 years
tags:
bankruptcy
qualifications
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
How common are bankruptcy filings in Massachusetts?
Bankruptcy filings are more common now than ever before, especially due to the current economic crisis which we currently face. Many consumers are finding that bankruptcy is their only remaining option for relief, or in many cases the only way to save their home from foreclosure. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
frequency
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Who is the average person filing for bankruptcy?
There is no average bankrupt debtor. People from all walks of life are affected by financial crisis and find that bankruptcy provides them with the particular relief that they need for their problems. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost twenty years
tags:
bankruptcy
typical case
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What's the difference between chapter 7 & 13 bankruptcy?
The chapter seven bankruptcy is a much shorter process which involves the filing of a bankruptcy participation, a meeting with a trusty and a subsequent discharge of dept. A chapter thirteen bankruptcy is a process which can last any where from three to five years and involves the repayment of at least part of your dept.
I'm Stewart Alford a bankruptcy lawyer with the law firm of Alford and Bertrand I have been practicing bankruptcy law for almost twenty year's.
tags:
bankruptcy
chapter 7 vs 13
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What is chapter 13 bankruptcy?
A Chapter 13 Bankruptcy is a repayment plan. In many cases, a Chapter 13 debtor is allowed to pay back a portion of their debt over time and at the end of the case the balance of that debt is discharged. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
chapter 13
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What is chapter 7 bankruptcy?
Chapter seven bankruptcy is what most people think of when they hear the word "bankruptcy." It allows most debtors to keep all of their property and to get permanent relief from their debt. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.
tags:
bankruptcy
chapter 7
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What is bankruptcy?
Bankruptcy allows debtors to get relief from their debt and protection from their creditors. In many cases bankruptcy will allow somebody to save a home from foreclosure or a vehicle from reposition.
I'm Stuart Alford, an bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.
tags:
bankruptcy
definition
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What will bankruptcy protect me from?
Bankruptcy will protect you number one, from creditors. Number two, from lawsuits. Number three, from possibly foreclosure. Number four possibly from repossession of your automobile. Number five, harrassing phone calls. Those are the major things that bankruptcy will proctect you from. Hi, I'm Harvey Alford with the law firm Alford and Bertrand, we have 30 years expertise in the the area of bankruptcy. If you feel you need a fresh financial start we offer a free consultation.
tags:
bankruptcy
protection
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
What are the steps to filing for bankruptcy in Massachusetts?
The first step for filing bankruptcy is to have a consultation with an attorney to see if you qualify, to find out what the benefits of the bankruptcy are going to be. What one should not do, is take unilateral steps such as transferring real estate into another name and things of that nature that often cause problems when you file bankruptcy, things that people do innocently enough but create a problem when they come to file, so they should see the attorney before doing anything. Hi, I'm Harvey Alford with the lawfirm of Alford & Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
first filing steps
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Can I keep my car after a bankruptcy?
If you are filing a chapter 7 bankruptcy and you wish to keep your car and you can afford to make the payments and you are up to date on your payments, you can keep your car as long as the car is an exempt asset. If your car happens to be a Maserati, and it's worth $50,000, it may be a serious issue. So, sometimes it depends on how much the car is worth. Hi, I'm Harvey Alford, with the law firm of Alford a& Bertrand, we have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
keeping my car
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Who's the most typical bankruptcy filer in Massachusetts?
There is no such thing as the average person filing bankruptcy. Uh, millionaires file bankruptcy. John Conley, the former governor of Texas, filed bankruptcy. Uh, unemployed people file bankruptcy. Uh, doctors and lawyers file bankruptcy. So that, there, there is no average person who files bankruptcy.
Hi, I’m Harvey Alford with the law firm of Alford and Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation
tags:
bankruptcy
typical bankruptcy filer
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Can I keep my house in a Massachusetts bankruptcy?
Almost all of our clients keep their house in a bankruptcy. There's a Homestead Act in Massachusetts if you've been living in a house long enough. You're entitled to protect up to 500,000 in equity if you file a bankruptcy, but that doesn't apply to everybody, it depends how long you been in the house.
All the more reason to consult an attorney as soon as the thought of bankruptcy crosses your mind, just make sure number one, that your house is protected number two, that you have a Homestead filed, that if you're within that protection range of protection you keep your house as long as you make your mortgage payments. Hi, I'm Harvey Alford of with the law firm of ALFORD & BERTRAND. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial stock,we offer free consultation.
tags:
bankruptcy
keeping my house
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
Why do I need a lawyer to file for bankruptcy?
Bankruptcy laws, the bankruptcy rules are very, very technical. And you can really find yourself wasting time, money and effort doing it yourself. You really, it’s an area that you really need a professional, and not only a lawyer, but a lawyer who’s experienced in bankruptcy law. Hi, I’m Harvey Alford with the law firm of Alford and Bertrand. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
benefit of lawyer
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
When should I consult an attorney about declaring bankruptcy?
If your debt is changing your quality of life, if it's affecting the way you eat, sleep, your relationship with your family, and you don't see any way to take care of your debt, you should consult an attorney. Hi, I'm Harvey Alford, with the law firm of Alford & Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.
tags:
bankruptcy
attorney consult
debt relief
loan
credit cards
lawyer
attorney
Boston
Massachusetts
Alford & Bertrand
attorney: Alford & Bertrand, LLC
When is it okay not to pay a mortgage in New York?
It is okay not to pay a mortgage in New York when you don't have any money. What else are you going to do? You're not going to steal from a gas station to pay your mortgage nor should you steal from your retirement or from your credit cards. If you can't make the payment, stop paying and then invite a foreclosure action, defend the foreclosure action and then reach a modification agreement to end the lawsuit. I'm Carl Person, I'm a New York lawyer and my job is to help people stay in their homes.
tags:
mortgage payments
ok to not pay
loan modification
mortgage foreclosure defense
debt relief
predatory lending
foreclosure
bankruptcy
lawyer
law firm
attorney
Brooklyn
Bronx
Staten Island
Manhattan
Queens
New York
Carl E. Person
Carl-Person-Foreclosure-Defense
attorney: Carl E. Person
Can I get money from the hot gas class action lawsuit?
this litigation which is referred to as the hot gas class action litigation the best benefit that can come to you is they don't do it anymore. you know there are millions of dollars right now that you're writing checks for, you're putting on credit cards, which you don't wont have to do if were successful. that's the biggest benefit of this litigation. and that's what were aiming for. were also trying to get a break for the taxes that they've taken, that they didn't give to any government, that you paid and that they put in their pocket. were trying to get that back too. My name is tom girardi. I'm the the senior partner of Girardi Keese. for the past 44 years weve helped people in california whove been seriously harmed. i am very proud of the work we've done and role that we've
tags:
girardi
california
hot gas
class action lawsuit
attorney: Girardi & Keese Lawyers
What's the first step in a debt settlement program?
In California, your first move in deciding you want to enter into a debt settlement program is to contact someone you trust and feel comfortable with. Once you’ve done that, usually what they’re going to instruct you to do is to stop making payments on your credit cards. And remember, this may adversely affect your credit scores. But you have to look at it this way. If you’re already reaching out to someone needing that help, your credit score’s probably being impacted already by not making payments at all or making slow payments altogether. After that you’re going to do a financial assessment to see if debt settlement is right for you. And then you’re going to start making payments into a trust account that is designed to hold your money and use that money to settle your unsecured debt. I’m Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day, representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.
tags:
debt settlement
first step
debt relief
predatory lending
loan modification
foreclosure
bankruptcy
lawyer
law firm
attorney
Orange County
Los Angeles
California
Howard Nassiri
attorney: Howard | Nassiri, LLP