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Casual Articles - New Bankruptcy Law - A Summary of Changes You Should Know About
1. Gain an advantage over your competition. You should find one benefit your competition doesn't offer and use it as your main selling point.2. Design your e-zine so it creates multiple free advertising streams. Ask readers to forward it to people they know, offer ad trades, etc.3. Allow your visitors to subscribe to an update e-zine. Anytime you make changes to your web site they can rece
Mandatory Debtor Education
Chapter 13 filers must complete a course in “personal financial management” prior to filing for bankruptcy.
Discharge of Debts
Certain debts ca
The last 10 years we have been overwhelmed by the get-rich-quick schemes on the internet. The variety is huge but they do have some common principles. They promise you less or no effort and spend nothing and gain gazillion dollars in a month.Myth 1: Buy this “Super Magic” software and you will become an internet millionaire overnight.Although there are great software titles out there that can au
The term “Creditor” refers to those organizations owed money. “Debtor” refers to the consumer who owes money. “Filer” refers to the consumer filing for bankruptcy.
Here is a summary of the major changes:
“Means Test” for Chapter 7
A creditor may file a motion to dismiss a bankruptcy case, if the debtor’s income is greater than the median state income and the debtor can afford to pay $100 per month over a period of five years towards paying down your debts. In this case, a debtor has to file for Chapter 13 instead of Chapter 7.
Mandatory Credit Counseling
Potential bankruptcy filers must undergo credit counseling via an “approved nonprofit budget and credit counseling agency”, prior to filing for bankruptcy. Here is the list of government approved consumer credit counseling agencies.
Mandatory Debtor Education
Chapter 13 filers must complete a course in “personal financial management” prior to filing for bankruptcy.
Discharge of Debts
Certain debts ca
Google has several data centers housing its index and anyone familiar with the Google dance will know what I am talking about. The dance is what occurs when one data center is not returning the same results as another. Someone searching for their keywords in LA will often have different results from someone searching for the same words in New York. The data is synching or dancing as SEO'ers have termed it.
The term “Creditor” refers to those organizations owed money. “Debtor” refers to the consumer who owes money. “Filer” refers to the consumer filing for bankruptcy.
Here is a summary of the major changes:
“Means Test” for Chapter 7
A creditor may file a motion to dismiss a bankruptcy case, if the debtor’s income is greater than the median state income and the debtor can afford to pay $100 per month over a period of five years towards paying down your debts. In this case, a debtor has to file for Chapter 13 instead of Chapter 7.
Mandatory Credit Counseling
Potential bankruptcy filers must undergo credit counseling via an “approved nonprofit budget and credit counseling agency”, prior to filing for bankruptcy. Here is the list of government approved consumer credit counseling agencies.
Mandatory Debtor Education
Chapter 13 filers must complete a course in “personal financial management” prior to filing for bankruptcy.
Discharge of Debts
Certain debts ca
Customer Service and Customer Surveys are a very interesting topic and it is amazing how much you can learn that you may not have even known about your own business by doing surveys. For instance iRobot makes those little vacuum cleaners for the house and they are indeed cool little tricky gadgets and the hottest item in personal tech in a long time.The corporation iRobot had customer surveys to ask pe
A creditor may file a motion to dismiss a bankruptcy case, if the debtor’s income is greater than the median state income and the debtor can afford to pay $100 per month over a period of five years towards paying down your debts. In this case, a debtor has to file for Chapter 13 instead of Chapter 7.
Mandatory Credit Counseling
Potential bankruptcy filers must undergo credit counseling via an “approved nonprofit budget and credit counseling agency”, prior to filing for bankruptcy. Here is the list of government approved consumer credit counseling agencies.
Mandatory Debtor Education
Chapter 13 filers must complete a course in “personal financial management” prior to filing for bankruptcy.
Discharge of Debts
Certain debts ca
If you want your website and your online business to succeed and to generate money, you need to take certain very important steps. The crux of these steps is to make your website search engine friendly. If you market your website properly to the search engines the chances of your website to get more traffic increase. The increase in web traffic is very important for the success of any business. Search engine
Mandatory Credit Counseling
Potential bankruptcy filers must undergo credit counseling via an “approved nonprofit budget and credit counseling agency”, prior to filing for bankruptcy. Here is the list of government approved consumer credit counseling agencies.
Mandatory Debtor Education
Chapter 13 filers must complete a course in “personal financial management” prior to filing for bankruptcy.
Discharge of Debts
Certain debts ca
Get the Money You Need to Jump-Start Your BusinessDo you have a good idea, but no the money to create a business for it? Do you have a start-up planned, but no way to fund it? Do you have an existing business that needs a loan or grant to expand? Do you want to introduce a new product or service? Do you have a charity or non-profit that needs funding?If you answered ye
Mandatory Debtor Education
Chapter 13 filers must complete a course in “personal financial management” prior to filing for bankruptcy.
Discharge of Debts
Certain debts cannot be discharged. Debts to a single creditor of more than $500 for luxury goods that were incurred 90 days before filing cannot be discharged. In addition, cash advances of $750 within 70 days are also non-dischargeable.
Proof of Income and Tax Return Filings
Filers must show proof that they paid taxes from the last year. This also provides verification of income. If a filer has not paid taxes for the previous year, they must pay before they can continue the bankruptcy process.
Time between Discharge
If you are filing for Chapter 7 and you have a previous discharge within the last 8 years – you cannot receive another discharge. This time period used to be 6 years.
Fewer "Automatic Stay" Protections
Filers will no longer enjoy some of the legal protections they used to have such as stopping or delaying evictions, driver's license suspensions or child support proceedings.
Attorney Verification Required
Attorneys are responsible for verifying that information contained in petitions and schedules are “well grounded in fact.” Attorneys are required to sign petitions to acknowledge this fact.
Eviction Proc
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