Source: http://www.lawofficespjr.com/faq/
Timestamp: 2017-06-28 00:10:39
Document Index: 711467785

Matched Legal Cases: ['§523', '§507', '§1408', '§341', '§ 521', '§ 521', '§523', '§1328', '§523', '§1328', '§707', '§1325', '§1322']

Bankruptcy Personal Injury Criminal Law DWI
This is FALSE. If you are in a late on your bills or have your credit cards maxed out, your credit score probably has already been dragged down significantly. The exact measure of a credit score is unknown, but just having too much credit outstanding (your debt to credit ratio) even if current can reduce your credit score.
This is FALSE. Although the U.S. Bankruptcy Court records are public aside from someone really looking for your records, people are not concerned enough to uncover your bankruptcy. Over 2 million people filed for bankruptcy in 2005 and 2009 is looking to be close. In these tough economic times you probably know someone who has filed for bankruptcy and just don’t know it.
Here are some people that filed bankruptcy in the past and you probably never knew
This is FALSE. You can’t afford not to file bankruptcy in some cases. As previously mentioned, even Donald Trump has been involved with corporations that have filed bankruptcy. Smart and business savvy people file to save themselves from a TOTAL loss. Spending what may seem like a lot of money today can save you much more in the future. Most bankruptcy attorneys have payment plans. A consumer bankruptcy attorney will show you how to free up money in your budget to allow you to pay the fees to file the case. In Chapter 13 part of the fees can be paid through the budget plan.
There is no limit on the number of bankruptcy cases that a petitioner may file. In fact, there is no limit in between time frames to file bankruptcy. You must however have sufficient time between filings in order to be eligible for a “discharge.”
So if a bankruptcy case is filed prematurely, although it will not be dismissed, a discharge will most likely not be an option. So why file with no discharge available? Here are a few situations where the creditor can still use bankruptcy as a shield:
Where a debtor wants to eliminate their debt in a subsequent chapter 7 and has sufficient assets to do so, filing again could provide this result.
Where a debtor has an unliquidated asset(s) (lawsuit, insurance claim, etc) and wants to use that to pay creditors, filing another chapter 7, the debtor can then let the trustee liquidate the asset(s) into dollars, who will then pay the debtors with the converted cash.
Where a debtor recently filed a chapter 7 and has remaining non-dischargeable debts. The debtor could then file a subsequent chapter 13 and be protected for the next 5 years against wage garnishment, lawsuits, foreclosure, etc. Although, after 5 years there will be no discharge, at this time the debtor might be eligible to eliminate the debt in another chapter 7 or 13.
8 years between chapter 7’s. US BANKRUPTCY CODE 727(a)(8)
2 years between chapter 13’s. US BANKRUPTCY CODE 1328(f)(2)
4 years between a chapter 7 and chapter 13 US BANKRUPTCY CODE 1328(f)(1)
6 years between a chapter 13 and chapter 7(if under 70% plan). US BANKRUPTCY CODE 727(a)(9)
The time is counted from filing to filing not from first discharge to second filing.
As you can see a discharge is not always an option due to time provisions but bankruptcy may still be good debt relief and management. Creative filing techniques and good knowledge of the bankruptcy code will allow an attorney to get the debt relief you need.
8 Years Before debtor files for bankruptcy
6 Years Before debtor files for bankruptcy
4 Years Before debtor files for bankruptcy
3 Years Before debtor files for bankruptcy
2 Years Before debtor files for bankruptcy
1 Year Before debtor files for bankruptcy
240 Days Before debtor files for bankruptcy
Taxes assessed within 240 days prior to the filing of the petition are not discharged in Chapter 7. [ 11 USC §523(a)(1)(A)] If an offer in compromise was pending, the 240 days will be extended by the days that it was pending, plus 30 days. If a stay against collections was in effect under a prior bankruptcy, the 240 days will be extended for the time collection was stayed plus 90 days. [11 USC §507(a)(8)(A)(ii)]
180 Days Before debtor files for bankruptcy
90 Days Before debtor files for bankruptcy
The debtor must have resided in the state where the bankrupctcy is filed for the 90 days preceding the filing. If the debtor has not resided in the state that long, the debtor must file in the state where he or she has resided, or has had his or her principal place of business or which has been the location of his or her principal assets for the majority of the last 180 days. [28 USC §1408]
70 Days Before debtor files for bankruptcy
Within 15 Days After debtor files for bankruptcy
About 18 Days After debtor files for bankruptcy
The court’s Automated Information Line provides much of this information almost immediately after the bankruptcy is filed.
30 Days After debtor files for bankruptcy
A copy of the Statement of Intention must be served on the trustee and the creditors named in the statement on or before the filing of the statement. [Rule 1007(b)(2) FRBP
7 Days Before Meeting of Creditors “341A Meeting”
About 6 Weeks After debtor files for bankruptcy
Section 341 (the symbol “§” means section) of the Bankruptcy code requires the Trustee to preside at a meeting of creditors within a “reasonable time” after the filing of the bankruptcy. [11 USC §341]
This meeting is usually held approximately six weeks after Bankruptcy is filed. The meeting time and date is included in the Notice of Commencement of Case mailed by the court, and is available on the court’s Automated Information Lineshortly after the case is filed.
30 Days After Meeting of Creditors “341A Meeting”
If the Trustee or other party of interest objects to the debtor’s claim of exempt property, they must their objection within 30 days after the 341 meeting. [Rule 4003(b) FRBP]
In Chapter 7, the debtor must perform under the Statement of Intention, and (1) reaffirm the secured debt and continue to make the payments remaining obligated for the balance of the debt, (2) redeem the property by immediately paying the value of the property, or (3) surrendering the property. [11 U.S.C. § 521(a)(2)(B); but 11 U.S.C. § 521(a)(6)appears to specify a time of 45 days after the meeting for the same action]
60 Days After Meeting of Creditors “341A Meeting”
Consumer debts owed to a single creditor and aggregating more than $500 (added by BAPCPA 10-17-05) for luxury goods or services incurred by an individual debtor on or within 90 days before a Chapter 7 bankruptcy [11 USC §523(a)(2)(C)(i)(I), 11 USC §1328(b)], and
Consumer debts owed to a single creditor and aggregating more than $500 (added by BAPCPA 10-17-05) for luxury goods or services incurred by an individual debtor on or within 90 days before the bankruptcy is filed are presumed to be nondischargeable in Chapter 7. [11 USC §523(a)(2)(C)(i)(I), 11 USC §1328(b)]
Until 60 days after the first date set for the 341 meeting, the U.S. Trustee or the court may move to dismiss a case in which debts are primarily consumer debts if it finds that the granting of relief would be a “substantial abuse” of the provisions of Chapter 7. [Rule 1017(e) FRBP]
“Substantial abuse” was expanded by the Bankruptcy Reform Act, which went into effect on October 17, 2005, to include a Means Test which allows Chapter 7 only if a debtor has less income than the median for the state of residence, or can pay less than 25% of his or her unsecured debt from income remaining after meeting expenses over a 5 year period. [11 USC §707(b)]
More than 60 Days After Meeting of Creditors “341A Meeting”
Court rules require that the discharge be entered “forthwith” after the expiration of the time for objecting to discharge or moving to dismiss the case. The time for those objections expires 60 days after the first date set for creditor’s meeting. [Rule 4004(c)(1) FRBP, Rule 4004(a) FRBP, Rule 1017(e) FRBP]
90 Days After Meeting of Creditors “341A Meeting”
A creditor, other than a governmental unit, must file its Proof of Claim within 90 days after the first date set for creditor’s 341 meeting in order to share in payments from the estate. [Rule 3002(c) FRBP]
120 Days After debtor files for bankruptcy
Final payment on filing fees due
180 Days After debtor files for bankruptcy
Unless all allowed claims are paid sooner, plan payments must continue for a minimum of the three-year period beginning on the date that the first payment is due under the plan, or a maximum of a five year period. [11 USC §1325(b)(1), 11 USC §1322(d)]
As soon as possible, call Riviere Cresci & Singer LLC. Injury case consultations are always free of charge. When you are injured, whether it’s an auto accident, slip and fall, work related accident, or other injury matter insurance companies immediately begin to investigate, to build its defense and keep you from winning a recovery. If you wait longer than necessary to retain an attorney, it gives the insurance company more time to prepare a defense against your claim, one which can be protected and preserved with an attorney.
No one case is the same; therefore each case has its own lifespan. Cases vary greatly based on a number of factors including: the nature and extent of your injuries, required medical treatment, time missed from work, the complexity of the case, the number of experts required, the number of parties involved, the court the case is filed in, the number of judges available to hear cases, motion practice and a host of other factors. However, it is safe to say, that the lifespan of most personal injury cases, is anywhere from 6 months to four years before completion. Often Riviere Cresci & Singer LLC., may attempt to settle your case before filing suit where feasible. Any attempt to settle will usually be attempted after an average of 4-6 months of regularly-scheduled medical treatment, which will end when the Doctor releases you at, Maximum Medical Improvement otherwise commonly referred to as MMI.
If you are injured while working for your employer and it is your own fault, nobody’s fault, or the fault of your employer or coworkers, you can only recover through a Worker’s Compensation claim. Furthermore, by law you can’t be compensated for “pain and suffering” or other non-economic damages. However, if you are injured on the job due to the fault of a Third Party (such as another automobile driver with no employer-employee relationship with your Employer), then Riviere Cresci & Singer LLC., can file a Third Party claim and attempt to recover those damages that otherwise would not be recoverable, to include “pain and suffering.”
This is a question that is commonly posed by clients. As mentioned previously, no two cases are the same, and your recovery will be unique to your circumstances. There care certain factors that will allow a glimpse into how your recovery may be valued by the insurance company. These are the injuries or damages suffered compared to your amount of fault in the accident. Putting a value on cases at the outset is not something that attorneys can usually readily determine. It takes some time to for the attorney to look at the evidence at-hand, your injuries after being fully examined by medical professionals, as well as the defense presented by the other parties for a discernable amount to be determined.
A case is essentially a battle between stories. The plaintiff’s attorney tells his client’s story through the pleadings, motion practice or if it goes to trial, at trial. The attorney then supports that story with evidence in the form of witness testimony, medical testimony, photographs, videos, films, and other physical evidence.
Then, the defense attorney tells his side of the story in the same way. At the end, the case either settles based upon this evidence, or at the end of a trial, the jury is going to find in favor of the side with the most credible story. Jurors are smart, and they look for holes in the story. They look for lies and omissions. They like to reward honest people and punish liars.
In the personal injury accident, “liens” or “subrogation liens” are an amount of money, hold or claim against your personal injury settlement or jury reward. These “liens” represent an amount of monies that have been paid to you as part of your accident. For example a medical lien is a formal written agreement between a patient and doctor. The doctor agrees to perform necessary medical treatments in return for a promise on the part of the injured patient to pay the bill once their personal injury claim is resolved. It is important to note that few doctors will agree to perform services on a lien basis unless the patient has retained an attorney. Having retained an attorney is a critical factor with medical liens, as the attorney will be the signatory to the lien agreement.
The attorney will act in a fiduciary capacity, or position of trust, to the doctor and protect his right to payment. A common misconception of the lien agreement is that the doctor’s payment is contingent on the outcome of the case. While it is common for attorneys to perform legal services on a contingent fee basis, doctors do not perform medical care dependent on the outcome of the personal injury case. The lien is simply the doctor’s agreement to await payment until the accident or injury case comes to an end. At such time the payment for medical services becomes due.
Other types of liens exist for benefits received that have helped you through your injury. If you had a workers compensation case and received benefits such as for temporary lost wages or medical treatment, and you settle a related personal injury case, the workers compensation insurance company will be entitled to a return of about 2/3 of what they paid out on your claim. This is commonly referred to as a “workers compensation lien”.
On that note, if you received medical benefits from the federal Medicare program for treatment of injuries sustained in an accident, and you settled a related accident lawsuit, Medicare will have a lien on that. This is commonly referred to as a “Medicare lien”.
Criminal Law Do I need a lawyer’s help if I am accused of a crime?
The traditional definition of a felony is a crime that is punishable by a year or more in jail. A misdemeanor is a crime that is punishable by imprisonment of less than one year. Felonies are more serious crimes than misdemeanors. In New Jersey there are different degrees of Felonies:
Seeing those lights flashing behind you is an all to common feeling of anxiety. Sometimes it leads to major consequences and can lead to a loss of your driving privileges.
Many people just assume that if I’m drunk I’m sunk. Do not assume that there is nothing that can be done to defend a DWI or a traffic ticket. A common reaction is: what can an attorney do for me? Seeing that the consultation is free why not inquire and find out. You’re not the first person to make this mistake. In fact many others, including well known people, have gotten a DWI. The important thing is to keep your cool and get good legal representation. Here at the Riviere Law Firm, LLC we can advise you legally and formulate a defense to your DWI charge. The only scientific way to determine whether a driver is under the influence is through blood alcohol concentration (BAC). Your BAC can be tested with a simple Breathalyzer test. The Breathalyzer tests in New Jersey are not always correct and sometimes make mistakes just like human beings.
In fact the police administering the Breathalyzers also make mistakes. Call the firm today and we will investigate all possible mistakes that may have been made in processing your DWI/DUI charge. If our firm takes your case, it is because we believe we can improve your position. Our firm will examine all records that we obtain through discovery, carefully examining if there was proof of intoxication and whether the blood or breath test was accurate. If you refused the Breathalyzer, we will explain how that affects your driving record.
If you are experiencing a problem with your driving privileges due to a recent driving infraction to include DWI, speeding, etc., our firm can help you maintain those privileges; we can help restore those same privileges. I have included a schedule of the points that me be placed on your license below. Scroll down to see what your points consequences you may be facing.
$300-$500 fine $230 IDRC* fee $100 to drunk driving fund $100 to AERF* $1,000/year (for 3 years) surcharge $75 to Neighborhood Services Fund
12-48 hours IDRC*
$250-$400 fine $230 IDRC* fee $100 to drunk driving fund $100 to AERF* $1,000/year (for 3 years) surcharge $75 to Neighborhood Services Fund
$500-$1,000 fine $280 IDRC* fee $100 to drunk driving fund $100 to AERF* $1,000/year (for 3 years) surcharge $75 to Neighborhood Services Fund
30 days and 12-48 hours IDRC*
$1,000 fine $280 IDRC* fee $100 to drunk driving fund $100 to AERF* $1,500/year (for 3 years) surcharge $75 to Neighborhood Services Fund
Up to 90 days (can reduce period of imprisonment) and 12-48 hours IDRC*
Additional 1-2 years
$500 fine $250/year (for 3 years) surcharge