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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

When a creditor receives a judgment against you, it can enforce the judgment in one of three ways: 1) garnish your wages; 2) levy your bank accounts; 3) attach a lien to your property. Below is a description of the process (and what can be done about it):

To begin with, a creditor cannot just decide one day to garnish your wages. It must follow the necessary procedures laid out by the court. The creditor must file a breach of contract action against you, they must serve you with a summons, there must be a hearing on the matter, and the court must rule in the creditor’s favor.

Once the creditor has this judgment in hand, it may enforce the order in one of the three ways listed above. The primary method the creditor would employ to enforce would be to attach a garnishment to your wages. This is done by way of a Writ of Garnishment that is filed with the court. This Writ is then served upon your employer (usually to the payroll department). Your employer will have no choice but to begin deducting 25% of your net earnings (or 10% if you claim Head-of-Household status).

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

The biggest single difference between the two chapters of bankruptcy is that a St Louis Chapter 13 is described as a repayment plan over the course of three (3) to five (5) years during which certain debts are paid back. There are some qualifying criteria to get into a St Louis Chapter 7, but the Ch13 is almost always available. A brief description below gives you information about the two chapters:

Most people want to file a Ch7. Which is understandable, because it is a total discharge of your unsecured debt (such as credit cards, medical bills, payday loans, old gym memberships, etc.). But in order to qualify for a Ch7, you must cross two hurdles: 1) you pass the Means Test; and 2) you have not filed a Ch7 within the last eight (8) years.

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

Yes, there is. Very often, the manner in which your vehicle was repossessed was done wrongfully (in other words, the creditor did not follow statutory rules that govern the repossession of a car in St Louis). But there are certain remedies that can be employed to ensure that your rights are upheld.

When a creditor repossesses a car, it must first provide you with certain notifications. This is usually done by way of a letter through regular mail. It should indicate what the deficiency is on your loan, how you can cure the deficiency, what your rights are, and a list of options. A second letter should also be mailed out to you before the repo occurs (indicating that their intent is to repossess the automobile).

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

There is a possibility that a portion of your tax refund could go to the Bankruptcy Trustee so that he/she can use it pay towards your unsecured creditors. But the goal of a good St Louis bankruptcy lawyer would be to try and protect those funds. Below is a description of how it works:

Whether or not you have to turn over your tax refunds depends on a couple of things: 1) what chapter of bankruptcy you file; and 2) whether or not you have available exemptions to cover the funds.

When you file a St Louis Chapter 7, the Trustee will treat a tax refund just like any other asset. So if you are due a large refund after you file your tax returns, the Trustee might demand that you turn it over. But there are definitely ways that this outcome can be avoided. For instance, if you take care of your taxes first, get your refund, spend it, and then file for bankruptcy, there’s obviously nothing for the Trustee to take. On the other hand if you can’t wait that long (because you need to file bankruptcy right away), then your attorney can use certain exemptions to protect the funds.

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

No, they cannot. That would be described as “overshadowing”. When a collector takes over a debt, they have to provide you with thirty (30) days in which to dispute the validity of the debt. This means that no demand for funds or payment can be made during that time.

If the collection agency is playing by the rules, then they will follow the provisions set out by the Fair Debt Collection Practices Act (FDCPA). This is a federal law that tightly regulates what third-party collectors can and cannot do. If you’ve never heard of the FDCPA, then you are like most Americans. But then the collection agencies are banking on the hope that you’ve never heard of it either (because many collectors do not take the time to follow the rules at all).

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

Yes, you can. And so long as there is no real equity issue involved with the rental properties, then you can keep them too. But it will come down to what the Fair Market Value (FMV) of the properties are. This will in turn determine if the properties can be protected (depending on which chapter of bankruptcy you file).

When you file a St Louis bankruptcy, you have a duty to disclose to the court everything you own (in other words, it is necessary to tell the court about all of your property). This would include both personal property (clothes, bank accounts, jewelry, etc.), and real property (houses, rental properties, time shares, land, etc.). And if you do not disclose to the court all of the items you have an ownership interest in, the court regards this as an act of fraud.

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

When a creditor receives a judgement against you for an old debt that you owe, it may pursue a few different remedies. One such remedy is to place a lien upon your banking accounts (checking or savings). This lien will remain until the full debt is paid, or if you file a St Louis bankruptcy.

A creditor judgement entitles the creditor to retrieve delinquent funds owed to it in one of three main ways: 1) a wage garnishment (which is the most common method); 2) by placing a lien upon a major asset (such as a piece of real estate); or 3) by placing a lien upon your bank account.

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ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7

A St Louis bankruptcy can be dismissed for a few different reasons. Most of the time, the reason why a case is dismissed by the court is because the Debtor (the person who files the bankruptcy) failed to provide the court with documentation or funds. Below is a description of the most common reasons for why a case might be dismissed.

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IF A COLLECTION AGENCY IS VIOLATING YOUR RIGHTS, WE DON’T CHARGE ANY FEES TO GET IT STOPPED!!

Collection agencies (sometimes referred to as “third party collectors”) can be relentless in their attempts to collect on a debt. But their tactics are not always lawful. In fact, very frequently a collection agency will violate your federal rights under the Fair Debt Collection Practices Act (FDCPA). Below is a brief description of how this Act protects you (and the remedies involved when a collector violates your rights):

The FDCPA was signed into law in the 1970s by the United States Congress in an attempt to regulate the collection industry. The idea behind the act was to prevent the abusive, humiliating tactics employed by some of the collection agencies. But most people are unaware that this law exists, which means that the collectors get away with quite a few violations.

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ONLY $300 UPFRONT ATTORNEY FEES FOR A ST LOUIS CHAPTER 13

There are many reasons why someone would choose to file a St Louis Chapter 13 (as opposed to a Chapter 7). Although most people think of a Ch7 when they contemplate a bankruptcy, the Ch13 option is sometimes the better route to go. Below are three main scenarios in which a Chapter 13 makes sense:

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