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Why Choose Chapter 7?

Why Choose Chapter 7?

Chapter 7 is fast, easy and cheap. It takes about three to six months from start to finish. Chapter 7 discharges debts in exchange for you giving up non-exempt assets in liquidation or pay the trustee their value. Most Chapter 7 filings are what is called a no-asset Chapter 7, which means there were no non-exempt assets for the Trustee to liquidate. Chapter 7 bankruptcy also applies to many types of debt, including credit card bills and medical bills. It will discharge some taxes.

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

 

 

Chapter 7 Bankruptcy Overview

Chapter 7 Bankruptcy Overview

A Chapter 7 Bankruptcy Will:

  • Provide Automatic Court Protection From Creditors
  • Stop Harassing Calls and Letters
  • Stop Lawsuits and Garnishments
  • Give You a Permanent Discharge of Most Debts in a Few Months
  • Let You Keep Your Car and House as long as you continue to pay

Who Should Consider Chapter 7 Bankruptcy:

  • You qualify under the Means Test
  • You Have minimal assets or equity in assets- If you own your home you get $1,000.00 of personal property if you are a renter you get $4,000 worth of personal property- Either way your get $1,000 worth of equity in a motor vehicle
  • You Have Trouble Making Monthly Payments on Necessities and Basic Expenses
  • You are Current on House and Car Payments (If Applicable)

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

How to Stop Unwanted Collection Calls

How to Stop Unwanted Collection Calls

If you have filed for bankruptcy and are receiving unwanted calls from creditors :
• Know that providing your cell phone number on a credit application is considered giving the creditor permission to contact you. Revoke consent by sending a letter, ask to be placed on their DO NOT CALL list. Keep a copy of the letter.
• If you rescind permission and the creditors continue to call, save all voice mail as evidence of noncompliance.
• Keep track of any unwanted calls. Note the time and date they are received, the phone number, the duration, and any information the caller gives you. Include anything about the call or recorded message such as dead air segments, delays or clicks that occur before an agent comes on the line. Names of Agent, name of the organization calling, etc.
Penalties can range from $500-$1,500 per call. If a creditor is using an auto-dialer, these fines can pile up. If it is proven that a caller is willfully violating the TCPA, by repeatedly calling without your permission or after you ask them to stop, then it is $1,500 per call.

 

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

What is Chapter 7 ?

What is Chapter 7 ?

Chapter 7 Bankruptcy is straight / liquidation personal bankruptcy. A single person or married couple files papers with the Bankruptcy Court asking for immediate protection from their creditors and ultimately for a discharge of debts.

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

Pinellas County Schools

Pinellas County Schools

Teachers and staff did you know that you have the MetLife Plan through Hyatt Legal you can 
receive - a free trust, will, quitclaim deed, living will, healthcare surrogate, and DPOA 
before the end of the year. 

 If they you my office - Carol Lawson PA- #727-410-2705, not only are after school appointments
 available, but you receive a Dementia Directive for free.   

Hyatt will also pay the Attorney fees ( no costs) for a Bankruptcy.  Our office participates
in this area handling Chapter 7s only. Costs by our office are credit report, personal property
 apprassial, and filing fee. You also are responsible for a credit counseling class.
Bank Holds on Chapter 7 Debtor Accounts

Bank Holds on Chapter 7 Debtor Accounts

The  Ninth Circuit – U.S. Court of Appeals held that a bank did not willfully violate the automatic stay by placing a temporary administrative pledge on the debtors’ accounts in favor of the bankruptcy trustee.

A copy of the opinion is available at: http://cdn.ca9.uscourts.gov/datastore/opinions/2014/08/26/12-16087.pdf

Wells Fargo,  however,  recently got slammed by a Federal Judge in NY for their practice of freezing Chapter 7 Debtor accounts nationwide.  Bankruptcy Court Judge Cecelia G. Morris. December 2014,  awarded the Weidenbenners $25 in damages for a bounced-check charge, plus costs and lawyers fees.  In her ruling, the judge blasted Wells Fargo, which was not a creditor in the case, for freezing the money and controlling access to it. Accusing the bank of “grandstanding” about bankruptcy-code compliance.  In re Weidenbenner, 521 B.R. 74, 2014 WL 7139994 (Bankr. S.D. N.Y., 2014).

Wells claims that their nationwide policy is only to freeze accounts of debtors with $5000 or more– not true.   If you are going to file Chapter 7– move your bank account from Wells Fargo before you file.

 

 

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,

Phone: (727) 330-1627 email: carollawsonesq@gmail.com