Bankruptcy Law
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Introduction to Bankruptcy Law - #VIDEO - The CountryLawyers Blog

Introduction to Bankruptcy Law - #VIDEO - The CountryLawyers Blog | Bankruptcy Law | Scoop.it

Bankruptcy is legal process by which you can deal with your debts when you can nolonger pay them 

If you are considering bankruptcy this video will give you basic information about the process and the relief it offers. It will also explain how to find the legal help you may need.


This video will explain what happens in a bankruptcy case. This information is provided to help consumers and individuals understand the bankruptcy process 

 

Link to the video: http://youtu.be/cJhk0sDCR-w

 

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Ways to Better Your Bankruptcy - #INFOGRAPHIC via Law Office of Gerald Moton

Ways to Better Your Bankruptcy - #INFOGRAPHIC via Law Office of Gerald Moton | Bankruptcy Law | Scoop.it

Our San Antonio Bankruptcy Attorney has created the below infographic to help explain understand Ways to Better Your Bankruptcy. If you’d like to get a free consultation, please contact our bankruptcy lawyers .

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Chapter 13 Bankruptcy - A primer

Chapter 13 Bankruptcy - A primer | Bankruptcy Law | Scoop.it

Chapter 13 Bankruptcy enables individuals with regular income to develop a plan to repay some or all of their debts. Debtors make installment payments to creditors over a period of three to five years. Debtors who have unsecured debts less than $360,475 and secured debts less than $1,081,400 are eligible to file for Chapter 13 Bankruptcy.

Advantage of Chapter 13 Bankruptcy

Possibly the biggest advantage to Chapter 13 Bankruptcy is that it allows individuals the opportunity to save their homes from foreclosure. Not only can filing Chapter 13 Bankruptcy stop foreclosure proceedings, it gives debtors the ability to pay back delinquent mortgage payment and related fees over time. In addition, it allows other secured debts like car loans even past domestic support obligations to be paid back over a period of 3-5 years.

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Payday Loan

Payday Loan | Bankruptcy Law | Scoop.it

A payday loan is a small, short-term unsecured loan, marketed as a quick, easy way to tide borrowers over until the next payday. 

Here’s how they work: A borrower writes a personal check payable to the lender for the amount the person wants to borrow, plus the fee they must pay for borrowing. The company gives the borrower the amount of the check less the fee, and agrees to hold the check until the loan is due, usually the borrower’s next payday. Or, with the borrower’s permission, the company deposits the amount borrowed — less the fee — into the borrower’s checking account electronically. The loan amount is due to be debited the next payday. The fees on these loans can be a percentage of the face value of the check — or they can be based on increments of money borrowed: say, a fee for every $50 or $100 borrowed. The borrower is charged new fees each time the same loan is extended or “rolled over.” 

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Creditor Harrasment and Debt Relief

Creditor Harrasment and Debt Relief | Bankruptcy Law | Scoop.it

Under the Fair Debt Collection Practices Act (FDCPA), consumers have rights that protect them from illegal debt collection practices. If a creditor violates your rights by engaging in illegal debt collection tactics, it is considered creditor harassment, and the creditor can face significant legal consequences.

You’re Not Alone

If you’ve been dealing with a creditor that is harassing you to collect debt, you may feel scared, hopeless, and unsure of what you can do to put an end to the maltreatment. When a creditor calls you at work, makes phone calls to your family members, verbally insults you, or threatens to take certain types of legal action against you, it’s time to consult with a debt collection attorney at our firm.

 

At the Law Office of Gerald C. Moton we advocate for you when you are too frightened to deal with your creditors on your own. Once engaged, we will intervene on your behalf and inform your creditors of your rights under the FDCPA. If your creditors continue to unlawfully harass you, we will take legal measures to put an end to their abuse and report their illegal behavior. We are one of the most trusted Debt relief attorneys in San Antonio.

 
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Bankruptcy and the Bible- Bankruptcy Help in San Antonio

Bankruptcy and the Bible- Bankruptcy Help in San Antonio | Bankruptcy Law | Scoop.it

The secular basis for our bankruptcy laws arises out of the Constitutional requirement that Congress enact uniform laws allowing businesses and consumers to cancel and to restructure debt obligations. Biblical support for the legal right to cancel debt is enforced by the even stronger Biblical doctrine that prohibited interest of any amount rather than just usury or excessive interest. The Biblical doctrine of usury rests primarily on three texts: Exodus 22:25; Leviticus 25:35; and Deuteronomy 23:19-20. Exodus and Leviticus prohibit loans of money or food with interest to a needy brother or sister or even a resident alien. Deuteronomy forbids taking interest from any person. Other Books of the Bible underline the importance of this prohibition on interest. For example, Psalm 15:5 characterizes a righteous man as one who, among other things, “lends his money without usury.” Both Ezekiel 22:12

 

more at http://www.bankruptcyattorneytx.com/wp/information-center/bankruptcy-and-the-bible/

 

 

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Bankruptcy Information Center

Bankruptcy Information Center | Bankruptcy Law | Scoop.it

This Information Center contains Articles, Videos and Infographics  on the website of San Antonio Bankruptcy Attorney Gerald Moton on Bankruptcy, Debt Relief, Chapter13 , Chapter7, Foreclosure

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Steps to Improve Your Credit Score After Bankruptcy - #INFOGRAPHIC via Law Office of Gerald Moton

Steps to Improve Your Credit Score After Bankruptcy - #INFOGRAPHIC via Law Office of Gerald Moton | Bankruptcy Law | Scoop.it

Our San Antonio Bankruptcy Attorney has created the below infographic to help explain understand Steps to Improve Your Credit Score After Bankruptcy. Healthy financial habits must be cultivated and maintained in order to elevate credit scores post bankruptcy.

If you’d like to get a free consultation, please contact our bankruptcy lawyers .

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A Note on Foreclosure Law

A Note on Foreclosure Law | Bankruptcy Law | Scoop.it

Like the vast majority of homeowners, you probably didn’t pay for your home in full before you moved in. Instead, you probably obtained a home loan and agreed to pay interest on top of the total balance you already owe. In exchange for this service, your lender claimed ownership of your house and remains the owner until you pay off your home loan in full.


Problems with this arrangement occur when you default on your home loan. In some cases, you can technically go into default after missing just one payment. Unfortunately, if you’ve missed a payment on your home loan, your lender may reserve the right to foreclose on your property.


Foreclosure is a complicated and frightening process, which is why it is important to speak with a foreclosure law attorney as soon as you miss a monthly payment on your home loan, if not sooner.

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How to get a Free Credit Report

How to get a Free Credit Report | Bankruptcy Law | Scoop.it

Its important to know how to check your credit . A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. You are entitled to a free credit report every year.

Only one website, http://www.annualcreditreport.com,  is authorized to fill orders for the free annual credit report you are entitled to under law. Other websites that claim to offer free credit reports, are not endorsed by the US Govt. and "may" even be scams.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you understand "How to get a Free Credit Report". If you'd like to get a free consultation, please contact us . 

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Bankruptcy and the Military

This page describes the rules of Bankruptcy as applied to those who server in the military explained by Our San Antonio Bankruptcy Attorney

 

So what happens to your security clearance if you FILE FOR BANKRUPTCY protection? Is it revoked? Will you be terminated from your job? Will you be demoted? Does your salary decrease?

 

While there are bankruptcy code provisions that regulate the public and private sector over discriminations in employment when one files for bankruptcy protection, most employers also have policies and procedures they abide by when when is comes to determining future security clearances after bankruptcy.

 

To start, the Bankruptcy Code provides at 11 USC 525 that employment discriminations are prohibited by public and private employers against individuals that FILE FOR BANKRUPTCY protection:

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Beware of Free Trials

Beware of Free Trials | Bankruptcy Law | Scoop.it

Free Trial Offers tells how to check out a free trial before you sign up, and what to do if you find yourself enrolled in a free trial offer without having given your permission: in short, getting charged for merchandise you don't want and didn't order. 

Some companies use free trials to sign you up for more products — sometimes lots of products — which can cost you lots of money as they bill you every month until you cancel. 

 

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney 

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Understanding Debt by San Antonio Bankruptcy Attorney

Understanding Debt by San Antonio Bankruptcy Attorney | Bankruptcy Law | Scoop.it

 

What is Debt? What is the difference between Good and Bad Debt? How much Debt is too much? 

Our San Antonio Bankruptcy Attorney has created the below infographic to help answer these common questions regarding Debt in the simplest possible manner. If you'd like to get a free consultation, please contact us at  http://www.bankruptcyattorneytx.com/wp/

 

 

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