Source: http://www.labiaklaw.com/blog/
Timestamp: 2018-08-20 22:24:34
Document Index: 562285525

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Fresno Bankruptcy Blog -The Law Offices of Stephen Labiak
Tools of the Trade Exemption When Filing a Chapter 7 or Chapter 13 Bankruptcy
by Celeste Miranda / August 16, 2018 / Blog
When you file a bankruptcy, you get several types of exemptions. In California, if you choose the 704 exemption series when filing bankruptcy (mainly used for home equity exemptions) you also get a significant exemption for what are called tools of the trade. This is California Code Section ... Read More
Paperwork For A Bankruptcy
by Stephen Labiak / August 6, 2018 / Blog
If you are going to file a bankruptcy there is going to be some paperwork you are required to provide your attorney. Sometimes a lot of paperwork. Other times the bare minimum. What you have to provide depends on what you have going on in your ... Read More
by Stephen Labiak / August 2, 2018 / Blog
Paying for an attorney is a bit of a catch-22: you are broke and you are legally telling the world you are broke and now you have to find money to pay someone to tell everyone you are broke. If you had the money to pay for the ... Read More
How much is a house worth in a bankruptcy?
by Stephen Labiak / July 24, 2018 / Blog
A home is typically the most valuable asset a person has. One of the most common reasons a person is filing bankruptcy is because their financial situation is going to affect their home. A client may be behind on their payments or there are lawsuits pending which will ... Read More
Student Loan Forgiveness and Bankruptcy-an update
by Stephen Labiak / June 25, 2018 / Blog
In 2017, there were 765,863 non-business bankruptcy filings in the United States (source: American Bankruptcy Institute). Almost 45 million people in the US have student loan debt totaling $1.4 trillion. This combines both public and private student loan debt. This amount of student loan debt ... Read More
Filing a bankruptcy when you aren’t sure if you want to
by Stephen Labiak / June 20, 2018 / Blog
Once a decision has been to inquire about bankruptcy, the next step is to usually contact one or several bankruptcy attorneys in an attempt to find someone or some firm to take you through the process. It is very important for you, the consumer, to consider carefully ... Read More
by Stephen Labiak / June 15, 2018 / Blog
A common reason people seek the assistance of a bankruptcy attorney is because they have received a notice from their employer that their paycheck is about to be garnished. This sets off panic time in a lot of people. A debt and a lawsuit has been ignored ... Read More
Car Accident Debt And Bankruptcy
by Stephen Labiak / May 9, 2018 / Blog
One common cause of bankruptcy is debts incurred because of a car accident. Because you may be under insured and/or the party you have been in an accident with does not have insurance or have enough insurance to cover your claims. This means that if you have a ... Read More
While never encouraged, divorce and bankruptcy are facts of life. They are often related. Money problems are a leading cause of divorce. When the decision has been made to end a marriage, one of the items to be divided is the debts. While people may ... Read More
Inheritance After Filing A Bankruptcy
by Stephen Labiak / May 3, 2018 / Blog
Whether you file a Chapter 7 or a Chapter 13 Bankruptcy, there is a bright line based on the date you file. Everything you do before the date you file is pre-petition. Everything you do after you file is post-petition. Your pre-petition debts and assets are ... Read More
How Soon can You file a Bankruptcy?
by Stephen Labiak / April 21, 2018 / Blog
There are time limits on how soon you can file a bankruptcy if you have previously filed a bankruptcy. If you previously filed a Chapter 7 bankruptcy, you cannot file another chapter 7 bankruptcy until 8 years have passed. The clock starts ticking from the day you filed ... Read More
California Bankruptcy Exemptions. (Part 2)
by Stephen Labiak / March 28, 2018 / Blog
When you file a Chapter 7 or Chapter 13 Bankruptcy, you have tools available to allow you to keep your assets. In California, there are 2 different set of exemptions, commonly called 703 and 704. Part 1 will detail common exemptions under 703. Part 2 will detail ... Read More
California Bankruptcy Exemptions. (Part 1)
When you file a Chapter 7 or Chapter 13 Bankruptcy, you have tools available to allow you to keep your assets. In California, there are 2 different set of exemptions, commonly called 703 and 704. Part 1 will detail common exemptions under 703. Part 2 will ... Read More
by Stephen Labiak / March 22, 2018 / Blog
A common question that is asked when filing a Chapter 7 Bankruptcy is whether a person should keep their car and continue to make the payments or to surrender the vehicle. The answer is almost always to let it go. My general rule of thumb is to not be ... Read More
by Stephen Labiak / March 14, 2018 / Blog
Most people when they get a cell phone, they do not purchase the phone outright. Instead, they are on a monthly payment plan. For the low price of $30 or $40 or $50 or more a month for 2 years, the phone is purchased with a payment made ... Read More
Use Bankruptcy To Buy Yourself Some Time
by Stephen Labiak / March 6, 2018 / Blog
Whether you file a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy, on your initial filing you will be protected by the what is called the Stay. What this does is stop all collection activity. This applies to credit cards, student loans, car loans, home loans, court proceedings, ... Read More
When you file either a Chapter 7 or a Chapter 13 Bankruptcy, your student loans are included. However, due to the current laws, you will not receive a discharge on the student loan debt. To get the discharge on the student loan debt requires an adversarial proceeding. This ... Read More
Protecting Your Assets In A Bankruptcy
by Stephen Labiak / February 13, 2018 / Blog
While a Chapter 7 or a Chapter 13 Bankruptcy does allow a person a fresh start, a debtor is limited in the value of assets a person can keep. In a Chapter 7 Bankruptcy, the trustee can seize your assets that are not protected and sell them for ... Read More
by Stephen Labiak / February 6, 2018 / Blog
To qualify for a Chapter 7 Bankruptcy, first you have to pass the means test. The first part of this test is do you make over or under the median income for a family of your size. As of November 1, 2017, this number is $84,059 for a ... Read More
by Stephen Labiak / October 10, 2016 / Blog
Being prepared before filing for bankruptcy can disrupt the pattern of stress and depression that often takes hold in times of financial duress. It is always advised to meet with a financial advisor or credit solutions officer before officially deciding whether or not to file. Bankruptcy can be an effective ... Read More
by Stephen Labiak / February 10, 2016 / Blog
Are you someone who is tired of creditor calls? Are you covered in debt up to the brim? Well, you’re not alone. There are tens of thousands out there who are battling to sustain through economic crisis with ‘filing Bankruptcy’ as the only option left to them. That being said, Chapter 7 bankruptcy ... Read More
Hiring a Lawyer to Help You With Your Debt
by Stephen Labiak / September 29, 2015 / Blog
Your business is in financial trouble. You can’t pay your debts. How do you figure out whether bankruptcy is necessary or helpful for your situation? If you want help knowing if it’s time for you to talk to a lawyer, here are a few questions to ask ... Read More
Relationships Between Civil Law Cases
by Stephen Labiak / September 25, 2015 / Blog
Civil law can apply to many types of cases such as medical malpractice, personal injury and bankruptcy. These types of cases many times have things in common and have cross-over relationships. Bankruptcies usually occur because of three kinds of misfortunes, having medical problems, the loss of a job ... Read More
Bankruptcy and Civil Law
by Stephen Labiak / September 18, 2015 / Blog
By: Scott Jenkins September 17, 2015 Civil law codes are referred too when there are disputes between parties about contracts, real estate, family law and bankruptcy along with many other types of cases. The codification of civil law pertains to grievances between individual allowing the court system to resolve disputes by ... Read More
What happens to my automatic payments when I file bankruptcy?
by Stephen Labiak / February 18, 2015 / Blog
When you file a Chapter 7, Chapter 13, or any bankruptcy, the protection of the automatic stay kicks in. This is a code sections that causes all collection action to cease. This also causes any companies with notice to cease automatic withdrawals from your accounts. This means if you have your ... Read More
by Stephen Labiak / February 9, 2015 / Blog
A common question that is asked in people trying to avoid bankruptcy is an inquiry about a debt consolidation loan or a signature loan or a home equity loan or some type of loan that if they just had one easy payment, the mess one go away and they could ... Read More
by Stephen Labiak / December 12, 2014 / Blog
Last time we covered bankruptcy before the divorce. This article will focus on filing that Chapter 7 or Chapter 13 Bankruptcy after the divorce. Advantages to filing after the divorce: Advantages: Two sets of exemptions. These means each individual can protect over 31,000 of cars/assets or $75,000 of home equity. Get the divorce over ... Read More
The Advantages and Disadvantages of Filing for Bankruptcy Before Divorce.
Unfortunately, money problems can lead to a divorce. Money problems also lead to Chapter 7 and Chapter 13 Bankruptcy filings. Often times, divorce and bankruptcy are sought at the same time. It is rarely a good idea to do them both at the same time. So here are so things ... Read More
by Stephen Labiak / October 20, 2014 / Blog
Despite the common knowledge to the contrary, it is possible to reduce or eliminate your student loan debt in a Chapter 7 or Chapter 13 Bankruptcy in Fresno. First off, to discharge these debts, you must file an adversarial proceeding. For most debts, such as credit cards or doctor ... Read More
The Time Line of How Long it Takes to File and Complete a Chapter 7 Bankruptcy
by Celeste Miranda / October 2, 2014 / Blog
by Stephen Labiak, Attorney at Law After how much does it cost to file a Chapter 7 Bankruptcy, the next question is how long is it going to take in Hanford. While every case is different, this is a general time line. -Before you file: This may range from mere minutes in ... Read More
What is my stuff worth in a bankruptcy?
by Celeste Miranda / September 9, 2014 / Blog
When you file a Chapter 7 bankruptcy in Visalia, or any bankruptcy for that matter, one of the factors to determine if you will have to surrender some of your possessions is if they have any value. So what is the trustee looking for and how do you ... Read More
Things Debt Collectors Will Do
by Celeste Miranda / September 3, 2014 / Blog
If you are considering chapter 13 bankruptcy in Fresno, this means more likely than not you are facing numerous contacts from creditors. This is usually done by a direct phone call or through a letter. Understand they have one job: get money from you. They are good at ... Read More
by Celeste Miranda / August 25, 2014 / Blog
When people say Bankruptcy, they usually mean a Chapter 7 Bankruptcy. Chapter 7 just refers to a section of the legal code that deals with the different types of bankruptcy. For short hand purposes is also called liquidation. You basically put all your assets in one pile, your ... Read More
by Celeste Miranda / August 18, 2014 / Blog
For whatever reason, you are thinking about bankruptcy assistance for Chapter 7 or Chapter 13, covering about 99% of the people out there, is in your future. Here are some tips to save you some pain and to avoid wasting money. DO: Save up a little bit of money (at ... Read More
by Celeste Miranda / August 8, 2014 / Blog
There are several reasons people file bankruptcy. The usual reasons people cite are medical bills and job loss. These are what you will see when people are looking to score political points or argue for this or that new law or regulation. However, what I think these studies ... Read More
The Law Offices of Stephen Labiak is a firm that stands up for the “little guy”. We get your mind and life clear of financial burdens through bankruptcy. We will fight for you on civil matters, personal injury or medical malpractice.
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