 |
 |
 |
 |
|
 |
Low Fees - Payment Plans - Evening & Weekend Appointments Help With-Credit Cards-Bank Loans-Foreclosure-Taxes-Student Loans Free Telephone Consultation 410-484-4900 24/7 There is no substitute for trust and experience
" Many thanks for a job well done in getting my tax debts and other claims eliminated and being available to answer all of my questions throughout my case." ~~B.W. " Your representation was outstanding in recovering thousands of dollars I paid out in a debt consolidation scam, properly representing me in a bankruptcy and getting all my debts eliminated at a low fee and less than one half of what I paid to them. What was most important to me was your integrity and clear answers to my questions." ~~D.G. " I was suprised to learn how the debt settlment company I saw on television took advantage of me. Thank you for getting my money back from them, properly filing my bankruptcy and saving my house. I recommend your services. " ~~H.M. " Thanks for taking over my chapter 13 case which enabled me to save my house. " ~~ W.S. " I appreciate your meeting with me on the weekends so I did not have to lose time from work."~~N.T.
Representing Debtors To Totally Eliminate Debts, Or To Reorganize Debts In Order To Protect Property And To Obtain A Fresh Financial Start Prompt, experienced and effective representation for all financial issues including, foreclosure, repossession, wage attachments, student loans, federal and state tax matters. In addition to bankruptcy, we provide effective representation for tax problems with the IRS, tax audits, tax liens, tax wage attachments, IRS offers in compromise, IRS installment plan arrangements, and IRS audits. If you are currently in a Chapter 13, making payments to a mortgage company, a trustee, finding out your Chapter 13 plan can not be confirmed, and your Chapter 13 will not result in retaining your home, upon review of the facts in your case in many instances, we can provide options that will be less expensive and far more effective. Our debt relief agency will fully prepare all bankruptcy documents, both before and after your case is filed, go to court with you, and defend you against contested matters from the trustee, your creditors and their attorneys. We work with you with a workable payment plan and a low fee we invite you to compare. Call, you will see for yourself. Each case is different and presents different opportunities and challenges.
If you have been a victim of a credit counseling program, debt management or home rescue scam, we can help to get your money back, damages or both. We have recovered thousands of dollars for payments made to programs that have misrepresented their status. If you are in a debt management program, you may wish to determine: If you paid money to an unlicensed bankruptcy preparer that did not prepare your documents properly, or gave you any legal advice and you were damaged, we may be able to assist you getting your money back and damages.
Creditors have certain rights to object to the debtor's discharge> Under certain specific and limited circumstances described in the Bankruptcy Code, a creditor may file appropriate and timely action to object to the discharge of a specific debt. The exceptions to discharge are generally prescribed under Bankruptcy Code Section 523. See Section 523 of the Bankrutpcy Code reproduced here for illustration purposes only. A Chapter 13 discharge generally may relieve the debtor of all obligations provided for in the plan except certain long term debts, certain support obligations, nondischargeable student loans, or liability arising from an automobile accident involving drugs or alcohol, or for restitution, or a criminal fine, included in a sentence on the debtor's conviction of a crime. See Section 1328 (a), reproduced here for illustration purposes only. If the debtor has fulfilled the plan, most debts are dischargeable in a Chapter 13 discharge. If the plan has not been completely fulfilled, then a "hardship discharge" may be ordered. If this hardship discharge is granted, creditors may be permitted to seek a determination of dischargeability for debts that would have been nondischargeable in a Chapter 7. Similar considerations may apply where a case has been converted from a Chapter 13 to a Chapter 7 Bankruptcy. In addition to non-dischargeability of particular claims, the Court may deny discharge for certain reasons, including fraud, concealment of property, making a false oath, presenting false claims, destroying, concealing, or falsifying documents or records concerning the debtor's financial condition, or disobeying any lawful order of the court. See Section 727 reproduced here for illustration purposes only. A creditor who wishes to obtain a determination of the dischargeability of a debt should consult legal counsel immediately upon learning of the filing of a bankruptcy. Appropriate motions or complaints must be filed within the statutory time period, or the right to do so may be forever barred. Actual cases should be discussed with your actual legal advisor or legal department.
"There is No Substitute For Experience."
JACK I. HYATT
Each case is different and presents different opportunities and challenges.
If you have been a victim of a credit counseling program, debt management programr home rescue program, we can help to get your money back, damages or both. We have recovered thousands of dollars for payments made to programs that have misrepresented their status. If you are in a debt management program, you may wish to determine: If you paid money to an unlicensed bankruptcy preparer that did not prepare your documents properly, or gave you any legal advice and you were damaged, we may be able to assist you getting your money back and damages.
"There is No Substitute For Experience."
JACK I. HYATT
Facts You should know about Debt Management Companies
Many of the payment plans are not unworkable. Get the facts before you accept a creditor counselor's suggestion that bankruptcy is not your beest course of action.
Credit counseling companies works for your creditors, not for you. They're paid by the credtiors that are trying to collect from you. Consumer credtior counseling is being paid a percentage of the payments that you pay to them. There income comes from the money that you are hoping to be paid to your creditors. Debt management company's nonprofit status does not mean they are not making money at your expense. Many debt management services describs themselves as a nonprofit organization when in fact they are in business for a profit. The money you pay to them that you think is going to your creditors are being used to pay their rent, salarys and expeneses. It is easy to set up a nonprofit counseling agency and use the counselors to sell the services of a related for-profit company." Debtors are led to believe that debt managment companies have the ability to have finance charges reduced or waived which often is not the case.
Debtors who participate in a debt managment program often will have that fact reported on their credit record which can impair a credit record. Your credit record will most likley be better after several years after obtaining a bankruptcy discharge than entering into a many month credit program. Shortly after you obtain your discharge, you will be able ot begin rebuilding your credit. When you are in a repayment plan with a debt management company, you can not begin the rebuilding your credit until you have completed the program which is usually many more months than a bankruptcy. If you have any questions call Maryland Bankruptcy Lawyer Jack Hyatt 410-484-4900. Bankuptcy terms that you should be aware of Substantial Abuse When a debtor creates debt that is in excess to the extent it may be fraud. Asset Case As asset case case in which the debtor has more assets over his claimed exemptions. Automatic Stay a court order that becomes in effect at the time the case is filed which automatically prohibits creditors from taking certain actions. Bankruptcy schedules legal forms that list the debtor's assets, liabilities, monthly exemptions, income, expenses. Bankruptcy: An individual or entity that has had a bankruptcy filed on their behalf. Bankruptcy Code This is the law that governs bankruptcy that can can be found in Title 11 of the United States Code. This is the law that governs bankruptcy that can can be found in Title 11 of the United States Code. Bankruptcy Estate When a case is filed a bankruptcy estate is created that consists of the debtor's property. Chapter 7 Bankruptcy This type of bankruptcy is called a straight bankruptcy or a liquidation bankruptcy. If you have any questions call Maryland Bankrupctcy Lawyer Jack Hyatt 410-484-4900. Chapter 11 Bankruptcy A Chapter 11 Bankruptcy is typically a business reorganization. Exemptions Exemption laws are laws that define what amount of property a debtor can keep in a bankruptcy case.: Chapter 13 Bankruptcy A chapter 13 Bankurptcy is a reorganization of debt in which the debtor proposes a re-payment schedule through a chapter 13 trustee. Reaffirmation Agreement A reaffirmation agreement is an agreement which obligates the debtor to pay certains debts after the bankruptcy discharge. Discharge As discharge is a court order that evidences that the dischargeable are elminated. Adversary Proceeding An adversary proceeding is a law action in a bankruptcy case hat seeks a specificied objective. If you have any questions call Maryland Bankrupctcy Lawyer Jack Hyatt 410-484-4900. Creditor A person or company to whom money is owed.
|
|