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theworstfoundingfathers · 2 years ago

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Who is the worst founding father? Round 3: George Clinton vs James Monroe

George Clinton (July 26, 1739 – April 20, 1812) was an American soldier, statesman, and Founding Father of the United States. A prominent Democratic-Republican, Clinton served as the fourth vice president of the United States from 1805 until his death in 1812. He also served as the first Governor of New York from 1777 to 1795 and again from 1801 to 1804.

He became one of the most prominent opponents to the ratification of the proposed United States Constitution, which would grant several new powers to the federal government. After New York and other states had ratified the Constitution, Clinton focused on passing constitutional amendments designed to weaken the powers of the federal government.

James Monroe (April 28, 1758 – July 4, 1831) was an American statesman, lawyer, and diplomat who served as the fifth president of the United States from 1817 to 1825. A member of the Democratic-Republican Party, Monroe was the last president who was a Founding Father as well as the last president of the Virginia dynasty. He is perhaps best known for issuing the Monroe Doctrine, a policy of opposing European colonialism in the Americas while effectively asserting U.S. dominance, empire, and hegemony in the hemisphere. He also served as governor of Virginia, a member of the United States Senate, U.S. ambassador to France and Britain, the seventh Secretary of State, and the eighth Secretary of War.

After his service in the war, Monroe resumed studying law under Jefferson and continued until 1783. He was not particularly interested in legal theory or practice, but chose to take it up because he thought it offered “the most immediate rewards” and could ease his path to wealth, social standing, and political influence.

As president, Monroe signed the Missouri Compromise, which admitted Missouri as a slave state and banned slavery from territories north of the 36°30′ parallel.

Monroe sold his small Virginia plantation in 1783 to enter law and politics. Although he owned multiple properties over the course of his lifetime, his plantations were never profitable. Although he owned much more land and many more slaves, and speculated in property, he was rarely on site to oversee the operations. Overseers treated the slaves harshly to force production, but the plantations barely broke even. Monroe incurred debts by his lavish and expensive lifestyle and often sold property (including slaves) to pay them off. The labor of Monroe’s many slaves were also used to support his daughter and son-in-law, along with a ne'er-do-well brother and his son.

Two years into his presidency, Monroe faced an economic crisis known as the Panic of 1819, the first major depression to hit the country since the ratification of the Constitution. The severity of the economic downturn in the U.S. was compounded by excessive speculation in public lands, fueled by the unrestrained issue of paper money from banks and business concerns.

Before the onset of the Panic of 1819, business leaders had called on Congress to increase tariff rates to address the negative balance of trade and help struggling industries. As the panic spread, Monroe declined to call a special session of Congress to address the economy. When Congress finally reconvened in December 1819, Monroe requested an increase in the tariff but declined to recommend specific rates. Congress would not raise tariff rates until the passage of the Tariff of 1824. The panic resulted in high unemployment and an increase in bankruptcies and foreclosures, and provoked popular resentment against banking and business enterprises.

The collapse of the Federalists left Monroe with no organized opposition at the end of his first term, and he ran for reelection unopposed. A single elector from New Hampshire, William Plumer, cast a vote for John Quincy Adams, preventing a unanimous vote in the Electoral College. He did so because he thought Monroe was incompetent.

#founding father bracket #worst founding father #founding fathers #amrev #brackets #polls #george clinton #james monroe

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foreclosuresolutions · 9 days ago

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Bankruptcy Consulting Myths Debunked: What You Really Need to Know

Introduction

In the intricate world of financial recovery, few topics are as misunderstood or shrouded in myths as bankruptcy consulting. With the rising number of individuals and businesses facing mounting debts, the demand for professional bankruptcy consulting has grown. However, numerous misconceptions about this specialized service persist, often deterring people from seeking the help they need. This article will shed light on the most prevalent myths surrounding bankruptcy consulting and provide clarity on what you truly need to know. If you’re grappling with financial difficulties, understanding these insights could be a transformative step toward financial stability and peace of mind.

Myth 1: Bankruptcy Consulting is Only for Businesses

One of the most prevalent misconceptions is that bankruptcy consulting is solely a service for large corporations. In reality, bankruptcy consulting is widely accessible and incredibly beneficial for individuals as well. Individuals facing personal debt struggles can gain invaluable insights from expert consultants, who can help them explore options they may not have known existed.

While it’s true that corporations often engage in bankruptcy consulting to navigate complex restructuring needs, individuals can benefit just as much. In fact, personal bankruptcy cases often need a tailored approach that consultants can provide, guiding clients through Chapter 7 or Chapter 13 bankruptcy options. With a consultant’s help, clients can gain a clear understanding of which option is best suited for their unique financial situation. Rather than assuming this service is out of reach, individuals struggling with debt can look into affordable and targeted bankruptcy consulting services designed for personal financial challenges.

Myth 2: Consulting is Unnecessary if You Already Have a Lawyer

Some believe that hiring a bankruptcy consultant is redundant if they already have legal representation. While lawyers are indispensable for filing documents and representing clients in court, they might not always have the specific, nuanced insights needed to guide a holistic financial recovery. A bankruptcy consultant focuses on the strategic aspects of financial management, providing broader advice on how to avoid future pitfalls and build financial stability post-bankruptcy.

Moreover, bankruptcy consultants often work in tandem with legal teams, enhancing the support available to the client. While a lawyer will ensure compliance with all legal requirements, a consultant’s role is to prepare clients for the realities of life after bankruptcy, offering insights on rebuilding credit, managing finances, and handling emotional stressors associated with financial hardship. Some consultants even specialize in services like deed in lieu of foreclosure, providing clients with a holistic perspective that complements a lawyer’s role.

Myth 3: Consulting is Too Expensive and Not Worth the Investment

A frequent barrier to seeking bankruptcy consulting is the fear of excessive fees. Many people assume that consulting services are prohibitively expensive, designed only for wealthy individuals or large corporations. Yet, in reality, a reputable consultant offers different packages and flexible payment plans, catering to various budget levels. Given the financial stakes, investing in expert advice can save individuals or businesses from making costly missteps.

Consider the alternative: navigating bankruptcy without guidance, making avoidable mistakes, and potentially facing a prolonged financial recovery period. For example, failing to properly document debts or mishandling secured and unsecured loans can lead to extended court proceedings and increased costs. A consultant provides clarity, helping clients optimize their approach and avoid costly errors. This targeted guidance often proves far more economical than attempting a DIY approach that may leave the individual or business at greater financial risk. Consulting services, such as foreclosure solutions, are accessible and designed to prevent further financial strain, empowering clients to make informed decisions without breaking the bank.

Myth 4: Bankruptcy Consulting Encourages Filing for Bankruptcy

Another misconception is that consultants push clients into declaring bankruptcy regardless of their financial situation. However, credible consultants take a far more holistic approach, aiming to help clients explore all available options. A consultant’s primary objective is to educate clients on every potential path to financial recovery, which may or may not involve filing for bankruptcy.

For example, an individual facing imminent foreclosure might assume bankruptcy is the only option. A consultant, however, could introduce alternatives, such as loan modification, refinancing, or even deed in lieu of foreclosure nj , an arrangement that allows the homeowner to surrender the property to the lender without enduring a formal foreclosure process. Far from promoting bankruptcy as the first option, consultants strive to find the most beneficial and least disruptive path to financial stability.

Myth 5: Bankruptcy Consulting Will Ruin Your Credit Score Permanently

A pervasive fear is that seeking bankruptcy consultation and subsequently filing for bankruptcy will permanently damage a person’s or business’s credit score, making future financial endeavors impossible. While it’s true that bankruptcy impacts credit, it is not necessarily a permanent or irreparable outcome. A bankruptcy consultant can guide clients through the steps to rebuild credit over time, helping them regain financial standing through practical actions and credit repair strategies.

Moreover, consultants work with clients to minimize credit damage during the bankruptcy process and provide actionable strategies for rebuilding credit afterward. By following the consultant’s tailored plan, individuals can start the process of repairing their credit almost immediately. Within a few years, with responsible financial habits, it’s possible for individuals to restore their creditworthiness and even secure loans or credit cards again. Consulting services often extend beyond immediate bankruptcy needs, offering longer-term support through legal counseling services aimed at comprehensive financial recovery.

Myth 6: Bankruptcy Consulting Only Benefits People with Severe Debt

Some believe that only those facing dire financial straits should seek bankruptcy consultation. However, consulting services can be immensely valuable for individuals and businesses at various stages of financial struggle. A bankruptcy consultant can offer preventative advice to those at risk of insolvency, helping them recognize early warning signs and implement solutions to avert a potential crisis. By proactively engaging a consultant, individuals can avoid many common mistakes that lead to bankruptcy.

For example, businesses experiencing cash flow issues might consult a professional to explore debt restructuring or other measures before bankruptcy becomes inevitable. Similarly, individuals facing temporary financial hardship might benefit from consultation to explore repayment plans or financial restructuring. Bankruptcy consulting is not limited to the most desperate financial situations; it serves as a safeguard for anyone who wants to fortify their financial future.

Myth 7: Filing for Bankruptcy and Using a Consultant Means You’ve Failed Financially

One of the most stigmatizing myths about bankruptcy consulting is the belief that needing this assistance indicates failure. Financial hardships can arise from a variety of circumstances — unexpected medical expenses, job loss, or economic downturns — and are often out of an individual’s control. Bankruptcy consulting offers a way to address these challenges with dignity, focusing on recovery and rebuilding rather than dwelling on past missteps.

Bankruptcy consultants emphasize resilience and offer a positive path forward. They work closely with clients to set realistic financial goals, provide emotional support, and cultivate a mindset focused on progress. Far from symbolizing failure, seeking consultation is a proactive and commendable step toward financial responsibility and renewal. In many cases, clients emerge from bankruptcy consulting with a renewed sense of purpose and a clearer understanding of financial management.

Final Thoughts: The Value of Bankruptcy Consulting

In the labyrinth of financial recovery, bankruptcy consulting offers much-needed guidance and clarity. By debunking these common myths, it becomes clear that consulting services are accessible, versatile, and beneficial to a wide range of clients. For individuals grappling with debt, a consultant can provide vital insights, whether through direct support in bankruptcy filings or by offering alternatives like foreclosure solutions.

Rather than assuming consulting is unnecessary or costly, consider how it can illuminate the path forward, helping you or your business navigate financial hardships with greater confidence. The goal of bankruptcy consulting is not merely to resolve immediate debt concerns but to create a foundation for long-term financial well-being. Far from a last resort, it’s an invaluable resource that can help restore financial health and stability.

If you or someone you know is considering bankruptcy or struggling with debt, exploring reputable bankruptcy consulting services could be a wise decision. Don’t let misconceptions hold you back from the possibility of financial recovery — embrace the opportunity for a fresh start.

#bankruptcy consulting

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jankowskiroman-news · 2 months ago

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Paterson's Art Factory owner, facing foreclosure, files for bankruptcy

PATERSON — Facing foreclosure, the owner of The Art Factory — a complex of 19th-century mill buildings near the Great Falls now used for weddings and other banquet hall events — filed for bankruptcy in August.

Mayor Andre Sayegh, who held his first inaugural ball at The Art Factory in 2018, touted the eclectic arts and events business as an important part of the Great Falls area’s revitalization during his early years in office.

The bankruptcy filing comes as the owner of The Art Factory, David Garsia, said his four party halls are supposed to host about 160 weddings and other “upcoming” events in the near future. The complex also features exhibits and rents studios to artists and filmmakers.

Story continues below photo gallery.

Court papers indicate Garsia plans to continue operations during the bankruptcy. He said in court papers that the bankruptcy was triggered by a New Jersey Superior Court judgment issued last month against his business involving a $12.5 million loan in 2018, which was supposed to provide him with money to do a massive renovation of the complex.

Under the judgment, Garsia is supposed to provide rent and fees from his Art Factory events to the lender, 100 Mile REIT Inc., a group headed by Bergen County real estate investor Billy Procida. Garcia said in court papers that such a requirement would destroy his business.

But Procida’s lawyers said in their court-filed objection to the bankruptcy that Garsia has no right to the revenue generated by The Art Factory in light of his alleged track record of defaults on the loan and the fact that he owes Paterson almost $250,000 in unpaid property taxes and sewer charges.

In a statement issued Monday, Garsia said the bankruptcy was designed to “replace a problematic lender.”

“The Art Factory continues to reserve venues for weddings and events through 2026 and we look forward to providing an exceptional experience for every family’s celebration!” Garsia said in a statement sent via text message.

Neither Procida nor Sayegh could be reached for comment.

Art Factory in controversies

During the past decade, The Art Factory has been embroiled in numerous controversies. About eight years ago, Paterson fire officials intervened and canceled a massive Christmas party planned at the complex because The Art Factory lacked fire safety protections, including requisite sprinklers.

Shortly after that, Paterson community improvements director David Gilmore issued more than 150 violations against tenants at The Art Factory for not having certificates of occupancy. Those summonses ended up being dismissed, and Gilmore filed a political retaliation lawsuit against the Sayegh administration saying the mayor was protecting Garsia, his political ally and supporter.

Sayegh’s inaugural ball took place even though The Art Factory at that time had not yet obtained required licenses for music and dancing, something Garsia did later. One of Sayegh’s first press conferences as mayor touted a trolley service that he said The Art Factory would provide for downtown Paterson, a promise that never was fulfilled.

When asked about the bankruptcy, Gilmore said Sayegh had given Garsia “carte blanche.”

“If his friends in City Hall had anything to do with it, he’d be getting everything he wanted,” Gilmore said of Garsia.

The bankruptcy has triggered speculation in city real estate circles about what will become of The Art Factory property on Spruce Street once the financial battle between Procida and Garsia is resolved. Garsia’s complex sits next to the New Jersey Community Development Corporation, or NJCDC, Paterson’s largest nonprofit developer.

“I wasn’t aware of the bankruptcy filing, but if it were to happen, I think the entire complex would need to be reimagined and I could easily see it becoming a mixed-use site with housing and office space,” said Bob Guarasci, the NJCDC’s executive director. “But given the size and complexities of the site, my guess is that any redevelopment would need to be done in phases over a number of years.”

#Paterson's #Art Factory owner #bankruptcy #us news #news #new jersey news #local news #us times #local business

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maranofamilylawyers · 2 months ago

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Sydney Family Lawyers

A Sydney Family Lawyer can help with various legal matters. Some of these include divorce and separation, children’s matters, property settlement, and domestic violence. It is important to choose a family lawyer with good communication skills and empathy.

If you are experiencing separation issues, it is best to hire a Sydney Family Law Specialist who has the knowledge and expertise to handle your matter. They can help you navigate the process and get your life back on track after separation.

Doolan Wagner Family Lawyers

Doolan Wagner Sydney Family Lawyers is a based law firm that specializes in family law. They handle cases involving divorce, property settlement, child custody, and domestic violence. They also offer legal services for restraining orders and appeals. Their lawyers have extensive experience in the industry and are well-versed in the local laws.

The firm’s criminal law practice handles matters related to bail applications, Section 2 application (mental health), and District Court appeals. They have an in-house counsel, a notary public, and solicitors agent. They are available to assist clients 24/7.

Family law is a complex area of the law that involves numerous facets of a relationship. A good family lawyer in Lower Northern Sydney can help you navigate this challenging process with sensitivity and empathy.

Shore Lawyers

Attorney Shore has been practicing law in New Haven County for nearly a decade. She is a member of the Connecticut Bar Association and has been on several committees, including the Family Law and Estates & Probate sections and the Young Lawyers Executive Committee. She also serves on the Board of Directors for the New Haven County Bar Foundation.

She is a partner and co-owner of Wolf & Shore Law Group and practices in family law, estate planning and juvenile law. She has completed GAL and assigned counsel training and is accredited in veterans benefits.

She is a passionate client advocate and zealously advocates for clients’ rights in courtroom trials. She also coaches a high school mock trial team. She is a proud member of the Electric City BNI group.

Maatouks Law Group

Maatouks Law Group offers legal services in Sydney CBD, Liverpool, and Narellan. Its lawyers specialize in family, property, and immigration law. They also offer mediation and arbitration services. They are available around the clock to assist you with your legal needs.

Peter Maatouks began his legal career in 1993 when he commenced employment with a medium sized firm in Parramatta. Since then, he has become one of the most sought after Sydney lawyers. His success is due to his willingness to be accessible to the Australian public. He puts his face and contact details out in the public domain and takes calls 24/7.

The firm’s criminal lawyers handle bail applications, Section 2 applications, and District Court appeals. Their family lawyers help clients with divorce, property settlement, and same-sex marriages.

Goldman & Co. Lawyers & Attorneys

Goldman & Co is an international legal firm specializing in dispute resolution and litigation, private investments, international tax, wealth and assets. Its discreet commercial private client expertise attracts high net worth individuals and wealthy families both locally and internationally.

Janet Goldman has developed extensive relationships with financial and insurance companies, fellow attorneys, and the Rhode Island courts. She uses these connections to guide clients through the complexities of bankruptcy and other debtrelated issues, divorces, and family law matters.

She also has experience in complex real estate and commercial litigation, including mortgage foreclosures and landlord/tenant matters. She has counseled and litigated numerous issues pertaining to condominiums and cooperatives and has experience in arbitration and mediation. She has also lectured extensively on the subjects of employment and insurance coverage law.

O’Sullivan Legal

Alison O’Sullivan delivers multifaceted and compassionate legal Legal advisor Sydney to private clients in complex family law, guardianship, and contested estate matters. Her extensive experience in these sensitive cases, combined with her empathy, allows her to guide clients through every step of their legal journey with compassion and expertise.

In addition to family law, she has significant commercial litigation and creditor’s rights experience. She also has an active international practice, advising public and private companies on a variety of corporate transactions and disputes.

After graduating from Cornell Law School summa cum laude, she clerked for Chief

Judge Levin Campbell of the United States Court of Appeals for the First Circuit and Justice Sandra Day O’Connor of the Supreme Court of the United States. She also has substantial experience in complex financial litigation, including mergers and acquisitions and white-collar criminal defense work.

#Sydney Family Lawyers

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swindelllawfirm · 2 months ago

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Website : https://bankruptcyattorneyamarillo.com/

Address : 1619 S Kentucky St Ste B-202, Amarillo, TX 79102

Phone : 806-374-7979

Swindell Law Firm is located in Amarillo, TX and is dedicated to providing quality services of Attorney Amarillo TX , Bankruptcy Lawyer Amarillo TX , Foreclosure Attorney Amarillo TX, Debt Relief Lawyer Amarillo TX , Chapter 7 Law Attorney Amarillo TX , Chapter 13 Lawyer Amarillo TX , Credit Card Attorney Amarillo TX . Call us today at +18063747979. We can help! We look forward to hearing from you.

Business E-mail: [email protected]

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ustimeslocalnews · 2 months ago

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Paterson's Art Factory owner, facing foreclosure, files for bankruptcy

Story continues below photo gallery.

In a statement issued Monday, Garsia said the bankruptcy was designed to “replace a problematic lender.”

Neither Procida nor Sayegh could be reached for comment.

Art Factory in controversies

When asked about the bankruptcy, Gilmore said Sayegh had given Garsia “carte blanche.”

“If his friends in City Hall had anything to do with it, he’d be getting everything he wanted,” Gilmore said of Garsia.

#Paterson's #Art Factory owner #bankruptcy #us news #news #new jersey news #local news #us times #local business

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jr2882070 · 7 months ago

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Stop Foreclosure & Save Your Home With A Chapter 13 Lawyer In Burlington IA

Get quality legal services from Cray Law Firm in Iowa. Their skilled attorneys can help you with a wide range of legal issues including estate planning, family law, bankruptcy, personal injury, and criminal law. They are the Best Chapter 13 Lawyer In Burlington IA. For more information visit craylawfirm.com.

https://www.craylawfirm.com/

#Chapter 7 Bankruptcy Attorney

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interestinginfographics · 8 months ago

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Fleysher Law Firm Launches Comprehensive Infographic featuring Jacksonville Bankruptcy Lawyer Expertise

Fleysher Law Firm proudly announces the release of a great infographic spotlighting their unparalleled expertise in bankruptcy law, with a focus on Jacksonville. The infographic is aimed at Jacksonville Bankruptcy Lawyer to help you get relief from debt problems.

The infographic offers valuable insights into the intricacies of bankruptcy proceedings, guiding individuals through the complexities of debt relief and financial rehabilitation. Jacksonville Bankruptcy Lawyer experts from Fleysher Law Firm are featured prominently, showcasing their commitment to helping clients navigate the legal landscape with competence and compassion.

With a mission to demystify bankruptcy and empower individuals facing financial challenges, Fleysher Law Firm's infographic serves as a beacon of information, underlining their dedication to delivering top-notch legal services in Jacksonville and beyond. This initiative reinforces Fleysher Law Firm's reputation for excellence in advocating for clients' financial well-being.

About Fleysher Law Firm:

Fleysher Law: Bankruptcy and Debt Attorneys of Jacksonville is a client-focused law firm helping individuals and families in Jacksonville and throughout Duval County resolve their debts and reorganize their finances. If you are considering bankruptcy, facing foreclosure, having your wages garnished, or struggling with debt, you should give us a call. We are happy to offer free initial consultations via telephone or video conferencing.

Contact details Name: Emil Fleysher Company: Fleysher Law Bankruptcy & Debt Attorneys Location: 1301 Riverplace Blvd Suite 800-E, Jacksonville, FL 32207 E-mail: [email protected] Phone: 904-740-3020 URL: https://fleysherlaw.com/jacksonville-bankruptcy-lawyer/

#infographic #law #press release #Jacksonville Bankruptcy Lawyer #Jacksonville #Bankruptcy Lawyer

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wedesignyouny · 9 months ago

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Speak with Our Long Island Bankruptcy Lawyer Today to Get a New Financial Start!

Are you struggling to make ends meet while facing overwhelming debt? A bankruptcy lawyer or attorney on Long Island could help you through the difficult process of declaring bankruptcy. Finding an experienced and competent lawyer who can guide you through the process and help you start over is essential, regardless of whether you are thinking about filing for Chapter 7 or Chapter 13 bankruptcy.

Bankruptcy: What is it?

A legal procedure called bankruptcy enables people or companies to get rid of or restructure their debt. Although there are many forms of bankruptcy, Chapter 7 and Chapter 13 bankruptcy are the most prevalent for people. While Chapter 13 bankruptcy is setting up a repayment plan that enables you to pay off your obligations over time, Chapter 7 bankruptcy involves selling assets to satisfy creditors.

Benefits of Bankruptcy Filing

Although declaring bankruptcy can be a challenging choice, there are several benefits to doing so. For instance, filing for bankruptcy can help you get rid of some debt, stop receiving harassment from creditors, and prevent foreclosure or repossession. Furthermore, filing for bankruptcy might give you a fresh start and the opportunity to reestablish your credit and financial security.

Locating a Lawyer or Attorney for Bankruptcy on Long Island

It's critical to locate a Long Island bankruptcy lawyer or attorney with extensive experience practicing bankruptcy law. This entails locating an individual who is knowledgeable about both the intricacies of New York State bankruptcy law and the bankruptcy court system. Additionally, you want to seek out a lawyer who is prepared to listen to you explain your particular financial circumstances and offer tailored counsel.

A Long Island Bankruptcy Lawyer's or Attorney's Benefits

Employing a bankruptcy lawyer or attorney on Long Island has several advantages. An attorney, for instance, can assist you in deciding which kind of bankruptcy is best for you, evaluating your eligibility for bankruptcy, and assisting you with the bankruptcy procedure. A lawyer can also help you with any legal difficulties that may come up during the bankruptcy procedure and represent you in court.

In summary

In the event that you are facing excessive debt and are thinking about declaring bankruptcy, a bankruptcy lawyer or attorney on Long Island can assist you in navigating the procedure and getting a fresh start. You may take charge of your finances and proceed with confidence by locating a skilled and experienced lawyer who is committed to offering individualized counsel and direction. A Long Island bankruptcy lawyer or attorney may assist you in achieving the necessary financial stability and peace of mind, regardless of whether you are thinking about filing for Chapter 7 or Chapter 13 bankruptcy.

Professionals at Pryor & Mandelup, LLP can be reached in two ways. To get a free service quotation and to complete out a simple questionnaire, you may visit their official website at https://pryormandelup.com/ or give them a call at (516) 997-0999.

#Long Island Bankruptcy Lawyer #Long Island Bankruptcy Attorney #Long Island Chapter 7 Attorney #Long Island Chapter 13 Lawyer

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goldfinch58 · 9 months ago

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Navigating Immigration and Bankruptcy: Understanding Your Legal Options

When life takes unexpected turns, bankruptcy lawyer austin knowing your legal options becomes crucial for weathering the storm. At Lincoln-Goldfinch Law, our focus is on providing guidance and representation in areas of immigration law and financial distress. Whether you are seeking a fresh start through Chapter 7 Bankruptcy or navigating the intricate immigration & naturalization service process, understanding your rights and available paths is the first step towards regaining control.

1. Immigration Assistance: The journey towards obtaining legal status in the United States can be complex, with various forms, deadlines, and regulations to consider. Our dedicated attorneys are well-versed in handling cases for asylum/refugees, green cards, citizenship applications, employers' compliance with immigration laws, DACA (Deferred Action for Childhood Arrivals), adjustment of status for those already residing in the U.S., and even appeals against unfavorable decisions. Each client's situation is unique; we provide individualized strategies to ensure the best possible outcome.

2. Deportation Defense: Facing deportation can be frightening and overwhelming. We offer compassionate yet determined legal support to those at risk of being removed from the United States. From presenting robust defense strategies during deportation proceedings to filing for necessary appeals, our team works tirelessly to protect clients' rights to remain with their families and communities.

3. Bankruptcy Guidance: Financial difficulties do not have to define your future. In choosing between Chapter 7 Bankruptcy—a liquidation process that can discharge most unsecured debts—and Chapter 13 Bankruptcy—a reorganization plan allowing debtors to make manageable payments over time—our bankruptcy attorney will help determine which option aligns with your circumstances. Your journey toward financial recovery could include putting a halt to evictions or foreclosures while you get back on your feet.

4. Citizen Pathway Navigation: For those pursuing citizenship through naturalization, we provide comprehensive services from initial consultation through application preparation and guidance throughout the interview process. Understanding each eligibility requirement ensures no missteps on your path to becoming a U.S citizen.

Lincoln-Goldfinch Law addresses each case with empathy and precision because we acknowledge how life-changing achieving legal immigration status or overcoming debt can be. With our expertise in both immigration attorney services and bankruptcy assistance under one roof, clients can expect holistic support attuned to their specific needs without compromising care quality in either area.

Choosing the right attorney isn't just about finding legal expertise—it's about partnering with someone who understands where you are now and where you want to be tomorrow. Lincoln-Goldfinch Law is committed to guiding clients through some of their most challenging moments by providing knowledge, experience, and unwavering support every step of the way.

Contact us Lincoln-Goldfinch Law Address: 1005 E 40th St, Austin, TX, 78751 Hours: Sunday :Closed Monday :09:00 - 17:00 Tuesday :09:00 - 17:00 Wednesday :09:00 - 17:00 Thursday :09:00 - 17:00 Friday :09:00 - 17:00 Saturday :Closed Phone :(855) 502-0555 Company Email : [email protected] Map : https://maps.app.goo.gl/DQ4Jt2E8SWDNYPh39

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dkoffices · 11 months ago

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Koch & Associates - Your Real Estate Lawyers in Berwyn

Meet Koch & Associates P.C. Attorneys At Law – your real estate lawyers in Berwyn. Our real estate lawyers offer more than just legal expertise. Our extensive real estate services encompass contracts, closings, living trusts, estate planning, loan modifications, and short sales. Additionally, we specialize in assisting financially distressed clients in navigating bankruptcy, foreclosure defense, and debt negotiation. Visit https://dkoffices.com/real-estate-lawyer-berwyn-il/ for more details.

#estate lawyer berwyn il

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rankertopgoogle · 11 months ago

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Gotham Collection Services

Navigating Financial Troubles in Venice, FL? Trust Our Bankruptcy Attorneys at Holland Law Firm

Creditor Harassment and Fair Debt - Are monetary weights burdening you in the tranquil city of Venice, FL? At the point when obligation becomes overpowering, now is the right time to look for the direction of experienced experts. At Holland Law office, strategically placed at 1401 Manatee Ave West, Suite 1010, we spend significant time in giving master liquidation and obligation protection administrations to assist you with recovering control of your monetary future.

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mosaicparadigm · 1 year ago

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CREDITORS RIGHTS LAW FIRM

The collection of debt may involve many steps and a wide array of legal skills. Our lawyers use every legal method to collect your debt. We will work with you from the initial claim and stay with you until you get paid. Yet, we do more than just the legal side of the case. We are there with you from the initial review, through payment, and handling any obstacles along the way. You need an experienced attorney on your side who knows creditors' rights and FDCPA defense inside and out.

Our firm represents both creditors and consumers and provides services on debt collection, debt defense, frozen accounts, and litigation.

Our goal is to provide forthright legal advice, combined with aggressive collection efforts within the bounds of the applicable laws. From our offices in Houston, TX, we assist clients throughout the state and across the nation collect debts and enforce judgments. When attempting to collect a debt or enforce a judgment, our MOSAIC legal group uses advanced technology and modernized software to manage each account for maximum productivity.

Our lawyers provide experienced counsel and representation in lawsuits seeking money damages, foreclosure actions and loan modifications and workouts, deeds given instead of foreclosure, replevin actions, garnishment actions, actions to levy on real and personal property to collect judgments, litigation relating to fraudulent transfers of assets by debtors to avoid payment, enforcement, and foreclosure of construction liens and homeowner association assessment liens.

In addition to the legal skill to distill and litigate the often-complex issues arising in situations involving financially troubled businesses and individuals, our lawyers have a firm understanding of the operational side of our institutional clients' businesses and the often direct interplay between legal avenues in a given case and operational realities in the context of their day-to-day operations.

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suncoastlaw · 2 years ago

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SunCoast Law is a law firm located in Orlando, Florida that specializes in bankruptcy law. Our experienced attorneys have been providing top-notch legal services for individuals and businesses for over many years. With our knowledge and expertise, we are well-equipped to help you navigate the complexities of filing for bankruptcy. Our team of dedicated Orlando bankruptcy attorneys are here to help you get back on your feet and move forward with confidence.

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divorcelawyergunnisonutah · 2 years ago

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Do I Need A Foreclosure Attorney Or Not?

Residential Property Foreclosure

Regardless of the reason a homeowner slides into foreclosure, the lender is taking the property in a process that can leave the homeowner unrepresented by an attorney without leverage. Foreclosure can take place non-judicially without the courts or judicially using the courts. Whether it’s non-judicial or judicial, if you’re under foreclosure, you might require the services of a lawyer, depending on your particular circumstance.

Consulting an Attorney

It’s always wise to seek legal advice if your lender is foreclosing your property, even if you’re not contesting the foreclosure. Consulting with an attorney about your foreclosure will give you valuable insight into it and any potential post-foreclosure debt issues. However, speaking to an attorney and getting general legal advice about your foreclosure isn’t the same as actively engaging one to deal with it. Generally, your need for an attorney to deal with a foreclosure comes down to deciding if you’re going to contest it.

Types of Foreclosure

The type of foreclosure you’re experiencing along with any decision to contest it usually determines your need for a lawyer. In states such as Utah, the majority of foreclosures are carried out non-judicially and don’t even involve the courts. If you want to fight your non-judicial foreclosure, you’ll first need to file a lawsuit just to bring it into a court having jurisdiction. A skilled attorney can also definitely help in contesting or even just delaying your judicial foreclosure.

Pro Se Representation

If you’ve decided to fight your foreclosure, you are of course, free to represent yourself in court. Going to court without the aid of an attorney is common in the American legal system and is known as “pro se” representation. Many homeowners contesting their foreclosures have represented themselves pro se, especially when they’re financially strapped. If you don’t have significant time or energy to devote to fighting your foreclosure, though, it’s usually best to retain an attorney.

Delaying a Foreclosure

An entire industry specializing in helping homeowners delay their foreclosures, sometimes for years, has sprung up since the 2007 housing market crash. Most foreclosure delay services use some form of attorney or legal aid to help clients delay their foreclosures.

Foreclosure and Bankruptcy

You may not need an attorney to deal with your foreclosure if you’re filing for Chapter 7 liquidation bankruptcy. For one, the automatic stay issued when you file for Chapter 7 or Chapter 13 reorganization bankruptcy temporarily delays foreclosure. Typically, foreclosure is delayed by one to two months during a bankruptcy unless the court lifts the stay. Also, if you’re using an attorney to file for bankruptcy, you can obtain any needed foreclosure advice from that attorney.

Statutory Redemption Mean

Statutory redemption is a law that permits the original owner of a foreclosed property to regain ownership of that property after it has been foreclosed upon. Such laws provide homeowners an opportunity to redeem their property if they are able to pay the amount that the property was sold for at the foreclosure sale and can do so before the time limit expires (usually up to one year). However, statutory redemption laws are only recognized in a handful of states. The majority of states usually follow the equitable right to redemption guidelines, which allows it before the foreclosure sale occurs. Thus, both the original owner of a foreclosed property as well as a prospective buyer should review these laws before moving forward with any legal processes and may also want to retain legal counsel to ensure that they understand the consequences. Foreclosed properties are typically sold “as is.” This means that a buyer of a foreclosed property will typically have little to no legal means of recourse if they discover that the property will need more work than they originally imagined. In which case, it is not entirely necessary for a buyer to obtain a lawyer before purchasing a foreclosed property. However, if the purchase occurred during the pre-foreclosure stage and the seller made material misrepresentations about the property, then there is a possibility that the buyer will have a chance to recover any losses they might have suffered due to the seller’s misrepresentations. For instance, if the seller did not have a right to sell the property and engaged in serious efforts to prevent the buyer from discovering that fact. Thus, if you should find yourself in such a situation, then it may be in your best interest to consider hiring a local foreclosure lawyer for further assistance. In such a scenario, an experienced foreclosure lawyer will be able to help you build a case against the seller as well as inform you of the types of remedies you may be able to recover.

When You Should Hire a Foreclosure Attorney

Below are some situations where you should consider hiring, or at least consulting with, an attorney.

You Have a Defense and Want to Keep Your Home

If you think you have a defense to the foreclosure, and you want to keep your home, you’ll likely need a skilled attorney to help. Some defenses that probably require the aid of an attorney include the following: • The servicer didn’t follow proper foreclosure procedures. • The foreclosing party can’t prove it owns your loan (that it has “standing” to foreclose). • The servicer made a serious error with your account.

Each foreclosure defense is different, and every situation has complicated nuances that can ultimately make or break the case. And, you’ll have to raise your defense in court. You’ll need to file your own lawsuit if the foreclosure is non-judicial or respond to the foreclosure lawsuit in a judicial foreclosure. Either way, the process involves making a legal argument, filing documents with the court, following rules of evidence, and more.

A foreclosure lawyer can help you formulate your arguments, navigate the rules of the court, and submit the appropriate paperwork. It’s unlikely that a homeowner could mount a successful defense to foreclosure without an attorney.

You’re in the Military

Active military service members have special protections against foreclosure, as well as certain rights, under the Service members Civil Relief Act (SCRA). The SCRA is extensive and complex. If you’re a military service member, an attorney can inform you about all of your rights under the SCRA and help ensure that the servicer complies with this law.

The Servicer Is Dual Tracking

If you’ve applied for loss mitigation and the servicer is dual tracking (foreclosing while an application for a foreclosure alternative is pending), you’ll want to deal with this legal violation immediately before a sale happens. It’s very difficult to get your home back after a foreclosure. Having an attorney on your side gives you a better chance of getting results before a sale takes place. It’s a good idea to learn each step in the foreclosure process in your state. That way, you won’t be caught off guard at any point. If you’ve done your homework on the topic but still have questions, an attorney is an excellent resource.

While you can apply for a modification on your own, in some instances say you need help understanding your legal rights or the servicer violates the law; hiring an attorney just might make the difference between getting your mortgage modified and losing your home to foreclosure.

When You Probably Don’t Need to Hire a Foreclosure Lawyer

You probably don’t need to hire an attorney if your goal is simply to live in the property throughout the foreclosure process. You legally own your home up until the new owner who buys it at the foreclosure sale gets title to the property. You usually can remain in the home until this time. If your state’s laws provide a post-sale right of redemption, you might be able to stay in the property through the redemption period or until some other action, such as ratification of the sale, occurs.

You Want to Get Some Extra Time to Live in the Home

If your primary goal is to get a little more time to live in the home before the foreclosure is final, you can submit a loss mitigation application to the servicer. Federal law (and some state laws) prohibits dual tracking.

So, you can live in the home for a while longer while the servicer reviews your application. In most cases, you’ll also get some time to appeal the decision. You might even get a loan modification that makes your monthly payment more affordable or another alternative to foreclosure. But be aware that if the servicer already evaluated a loss mitigation application from you, you can’t submit another application just to stall the foreclosure. However, under federal law, if you’ve brought your loan current at any time since submitting a complete loss mitigation application, and the servicer reviewed that application, the servicer has to perform another review if you apply again. Most people don’t need a lawyer’s help in preparing a loss mitigation application. To get free assistance, contact a HUD-approved housing counselor. If you don’t have a valid defense to the foreclosure; say you stopped making your payments, have no intention of resuming them, and think the servicer has treated you fairly then there’s probably no reason to hire or consult with an attorney.

You Can’t Afford Your Home and You Don’t Want to Keep It

Likewise, if you can’t afford your house payments and don’t want to keep your home, it might be a waste of time, effort, and money to hire an attorney to fight or try to delay the foreclosure. Instead, you can put that money towards finding somewhere else to live.

If You Decide to Hire a Lawyer

If you decide to hire an attorney to represent you, it’s a good idea to speak to several different lawyers to get more than one perspective and learn about all available options. If you can’t afford to hire a lawyer to represent you throughout the entire process, consider scheduling a consultation with one to help you decide what to do, as well as to explain your legal rights and responsibilities. If you can’t afford even one consultation with an attorney, a legal aid office might be able to help you for free if you meet certain criteria.

Stages of Foreclosure

The exact foreclosure process is different in each state, but generally, you can expect it to look something like this: • Default and notice of default • Foreclosure filing and trial • Notice of sale and sale of property • Eviction

Default and Notice of Default

The first thing that happens in the foreclosure process is that you enter into default. “Default” essentially means you’re late on your mortgage payments; what most lenders refer to as being delinquent. The law dictates that a lender must reach out to a borrower once he or she is 36 days behind on mortgage payments. By 45 days, the lender must provide written notice of the default, including details about any loss mitigation or repayment options the borrower may be able to use. A borrower has to be at least 120 days behind on his or her mortgage for the lender to start the foreclosure process legally.

Foreclosure Filing and Trial

If you’re in a judicial foreclosure state, the next step is the foreclosure filing. The lender will file a foreclosure lawsuit against the borrower, also called a “complaint.” In some states, lenders need to prove that they offered the borrower loss-mitigation options before filing suit. The foreclosure suit will go before the court, and borrowers have a right to contest their foreclosure and raise their defenses. If the court rules in favor of the lender, the property can be scheduled for sale.

Notice of Foreclosure

In non-judicial foreclosure states, there is no trial. Lenders simply issue a “notice of intent to foreclose,” alerting the borrower that the foreclosure process has begun. They will also need to advertise the sale usually in a newspaper, for at least a few weeks before the scheduled sale date. The property’s actual selling is done via auction, and usually by the local sheriff’s department. In many cases, banks and lenders are forced to purchase the properties back due to a lack of buyer interest. These are then dubbed “bank-owned properties” or “real estate-owned properties” (REOs), and the lender then makes efforts to sell those directly to a buyer. Many banks and larger financial institutions list their REO properties somewhere on their website.

Eviction

Once a foreclosed property has been sold, the former homeowner must vacate the premises. If he or she doesn’t, the new buyer legally can have them evicted from the home. The exact process for getting someone evicted varies by state.

Parties Involved in a Home Loan

The key parties involved in most home loan transactions and foreclosures are: • The borrower: The borrower is the individual (the homeowner) who borrows money and pledges the home as security to the lender for the loan. The borrower is sometimes called the “mortgagor.” • The lender: The lender originates the loan. Sometimes the lender is called the “mortgagee.” • The investor: An investor buys loans from lenders. • The servicer: The servicer, which is the company you make your monthly payment to, handles the loan account. Often the servicer is a third party that manages the account on behalf of the lender or an investor for a fee. A servicer’s duties include collecting and processing loan payments, as well as initiating and monitoring a foreclosure when a borrower stops making payments.

Judicial Foreclosures Go Through Court

In a judicial foreclosure, an attorney files a lawsuit on behalf of the lender or investor in court to foreclose the home. You’ll receive a copy of the complaint, sometimes called a petition, which starts the foreclosure. You then get a certain number of days, like 30, to respond to the lawsuit. If you don’t file an answer in court (or if you file a response, but the court decides the foreclosure should go ahead), the court will grant a judgment of foreclosure in favor of the foreclosing party and set a sale date. The foreclosure sale is typically an auction where the public, as well as the foreclosing party, may bid on the property. The highest bidder becomes the new owner of the home.

Non-judicial Foreclosures Generally Don’t Involve Any Court Action

All states allow judicial foreclosures, but about half also permit non-judicial or “power of sale” foreclosures. In a non-judicial foreclosure, an attorney or trustee (again, on behalf of the lender or investor) completes certain out-of-court steps. Typically, a non-judicial foreclosure involves one or more of the following steps, depending on state law: • mailing the borrower a notice of default that tells how much time the borrower has to reinstate • recording the notice of default in the local land records office, and • mailing the borrower a notice of sale that states when the property will be sold. Like in a judicial foreclosure, the property is usually sold at a public auction. Depending on state laws, a borrower might get a combined notice of default and sale, just a notice of sale, or notice by publication in a newspaper and posting on the property or in a public place.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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