Finding The Best Bankruptcy Attorney

Bankruptcy is a trying time for any individual or business organization. While some people opt in for voluntary bankruptcy, others are not as fortunate. At a time of increasing debts & expenses and decreasing means, bankruptcy haunts Americans throughout their financial lives. Even though prevention is better than cure, sometimes, it is best to take the problem head on and get through it with minimum damage. In such situations, a reliable bankruptcy attorney can go a long way in pulling you out of a financial mess.

The next question is… how do you find a good bankruptcy attorney? There is no doubting the fact that going wrong with a bankruptcy attorney is more disastrous than bankruptcy itself. It has the potential to ruin a client’s legal situation beyond repair. Therefore, choosing a good bankruptcy lawyer is highly relevant.

What Are The Traits Of A Good Bankruptcy Attorney?

ü  Dependability

Your financial situation may not be predictable, but your bankruptcy attorney must certainly be. One of the integral features of a good attorney is dependability. They must be available at your time of need. They should be dependable enough for you to be able to rest the responsibility of bankruptcy proceedings on them.

ü  Guidance

They must be able to clear your doubts and questions regarding the court procedures. They must also provide you with alternatives while filing for bankruptcy. An inside-out knowledge of bankruptcy titles and laws is the mark of a true bankruptcy attorney. Depending upon state laws and the gravity of the financial crisis, the attorney must be able to provide the best guidance.

ü  Communicativeness

There is nothing better than reliable reassurance during trying times. There should be free and regular communication between an attorney and their client so that there is no margin for error. A qualified attorney will always update their client about the case proceedings. Also, there will be a free flow of timely suggestions from their end regarding possible future steps.

ü  Service

Filing for bankruptcy does not simply end after the petition. In fact, that is merely the starting point. There is a host of services which good bankruptcy attorneys must provide to all their clients. Specific requirements of the case, post petition services, guidance and assistance are among the few services that a skilled bankruptcy attorney must provide.

Contrary to widespread belief, bankruptcy is not the ‘end’ of things. It is a great opportunity for a fresh financial start. That is why numerous citizens choose bankruptcy in order to reorganize funds and re-establish their credit history. Whatever be the reason, if you have to deal with bankruptcy and other related issues, an efficient bankruptcy attorney is your saving grace.

J. Randall Frier is one such dedicated professional that has helped hundreds of Americans with the legalities of bankruptcy. If your family or business organization has filed for bankruptcy, he will help you get back on your feet. Remember, it is not the problem that poses a challenge; the real challenge is finding the solution.

Posted by http://jrandallfrier.com/

Why A Will Is Important For Estate Planning

Arranging final affairs is something many people dread. And it's easy to see why. Not many folks
like to contemplate what will happen with their assets when they are no longer around.  That
would mean having to come to the realization that they will indeed be gone at some point. 
But estate planning should not be put off for too long, because you can never predict when
your day will come, and it's best to be ready with a last will and testament.

There are a few good reasons why getting a will should be on the top of your estate planning
priority list:

1. Decide who gets your assets

This is the most obvious one - you need to have a will to make certain that it is absolutely
clear who gets what. Sure, you may not be Bill Gates or Warren Buffet, but even if you don't have
a sizable amount of assets, if you have no clear plan regarding whom you want to receive them,
your heirs may very well end up battling each other in court - and it could get ugly. You may
think now that there's no way this could happen, because everybody gets along. But inheritances
can make people turn greedy - especially if the question of what they are getting is open ended
and they believe they need to fight for their fair share. A simple 'last will and testament' can
resolve this potential mess and insure a relatively peaceful transition of your estate property
when you are gone. 

2. Decide who distributes your assets

A will is a great estate planning tool because it not only allows you to determine who gets your
property, it also allows you to decide who is in charge of doling it out. In most states, this
person is referred to as the executor. The executor has a very important function as this person
works with your attorney to make sure all your assets go where they are intended. It is
important, therefore, to put a lot of thought into who you want to fill this very important
position. Make sure it is someone who you can trust and will be available to take on this
responsibility. 

3. Decide who raises your children

People often forget that estate planning has more to do than just your financial assets. Making
a will also allows you to designate a guardian for your underage children. This is perhaps an
even more critical decision than who gets your money. This has to do with how your kids will be
raised and what kind of future they will have. As with the choice of executor, it is vital that
you designate a guardian that you already know would love to take care of your kids and will
raise them in a good home, allowing them the best chance at a brighter future. 

As always, consult your estate planning attorney to find out your best legal options


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Seflin Lawfirm - Experienced and Caring Estate Planning Attorney Delaware County PA. Attorney
Seflin can assist you with all aspects of estate planning Delaware County Pa. Learn more at
http://www.seflinlawfirm.com

Posted by J. Randall Frier

With a Living Will, Your Estate Planning is Complete

Setting up your final affairs has become a more complicated process in recent years. It used to be
that a basic 'last will and testament' would be all that is needed to insure proper distribution
of your assets. Today, you have many wealthier folks being 'sold' on living trusts - which in
many cases are more trouble than they are worth. You also have greater health concerns to
consider when doing your estate planning. 

While it is true that people are living longer today than ever before, and on balance that's a
great thing, there is an unintended consequence; more people are also developing health
conditions that leave them either physically or mentally incapacitated. This has added another
dimension to the estate planning process; the growing popularity of living wills. 

A living will is essentially a directive that is set up for the purpose of determining what
treatments you may or may not want and what surgeries to have if there comes a day when you are
unable to make these choices on your own. In some states, this document is also referred to as a
healthcare power of attorney with medical directive. You can set it up on your own, but this is
one of those legal documents that you may be better off using the services of an estate planning
attorney for. Here's why. 

Think about all the possible medical conditions that can occur that may leave you without the
ability to decide on the kind of care you should have. You may have thought of 5 or 10 off the
top of your head. But there are at least 10 times that many (or more) that could occur. For this
reason, it helps greatly to have a professional who is experienced in this area to sit down and
go through everything with you. 

Your estate planning lawyer will be familiar with all the possible scenarios that you would not
have come up with on your own. He will also be able to explain it all in layman's terms so you
can understand them clearly and decide what is best for you. For example, there may be certain
situations where you prefer not to have a major surgery, and would rather have a pain killer
instead. There may also come a time when you are clinically dead but being kept alive on a
respirator. 

These days, many people do not want to remain in a vegetative state. But - if there is no
written directive, your family members will likely be the ones to decide. And if there is a
dispute among them (think Terry Schiavo circa 2005), then it will likely be fought out in court,
potentially causing a lot of bad blood among family members. With this one document known as a
living will, you can put an end to all the speculation about what you 'would have wanted',
because it will all be there in writing. This makes the living will a truly essential estate
planning document for the modern age.
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Seflin Law firm - Experienced and Caring attorney Upper Darby PA.  Attorney Seflin can assist you
with all aspects of estate planning Upper Darby Pa. Learn more at http://www.seflinlawfirm.com

Posted by http://jrandallfrier.com/

How Property Tax Loans Can Help You - A Short Explanation On Just How Property Tax Loans Function

There has been quite a lot of chatter about property tax loans in the region of Texas as of late.
A lot of locals of Texas are finding that they are having some hassle repaying their property tax
bills because of the lagging economic situation. It can possibly be perplexing to look at property
tax loans and understand whether they are right for you. On the surface, it may be stressful for
someone that is encountering difficulty paying their real estate taxes to switch from one type of
debt to another one. That stated, property tax loans can really be a true blessing for some men
and women, and after reviewing this and completing some added online research, you might arrive
at the conclusion that they are the right option for you.

A property tax loan may be a good resolution for you if you've found yourself in a scenario where
your property tax burden has come to be so massive that you might be encountering a foreclosure.
Property tax loans are available for lots of diverse kinds of property types in Texas, like
commercial, residential, or even raw land properties. Basically, property tax loans function as a
different way of paying a lump sum settlement on your property tax. The property tax loan handles
paying the tax bill in one lump sum payment, which will allow for you to instead make monthly
payments in installments.

Land owners in Texas have the option to secure flexible tax loans swiftly and with little
trouble. These types of loans are favorable for a wide variety of reasons. They have very simple
elegibility demands, and even people with bad credit can frequently acquire them. They're much
more inexpensive than 48% of first year penalties charged by a tax assessor. They prevent you
from receiving further charges and therefore provide economic flexibility. Most significantly,
the loan pays off all of your property tax, penalties, and interest in one lump sum.

Property tax loans don't just help the person incuring the debt. They likewise assist the public
taxing units, as the debt is remunerated right away, liberating revenue that would originally
have been prolonged. This way, funding that would have been in limbo can properly head to where
it should, like the city, county, or school district. After the money has been paid, the tax
assessor saves time and organizational funds by no longer needing to go after the particular
person indebted to collect on the account.

Property tax loans are also helpful for first lien mortgage holders when a property owner secures
a tax loan. Individuals are far less likely to back-pedal their mortgage when they possess the
opportunity and flexibility to make affordable repayments on a property tax loan instead. The
clear draw here is that charges will no longer accrue on the account since the property tax loan
handles the payment-- essentially, this safeguards the equity on the property.


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Dean creates summaries and guides to help individuals select the very best professionals dealing
with property repossessions. He writes reviews and customer reports to suggest and lead people to
the very best choices.
http://www.propertytaxloansfortexas.com

Do I Need To Pay Inheritance Tax?

In the United Kingdom you will have to pay inheritance tax if the estate you are dealing with is
valued at £325,000 or more. This is the inheritance tax boundary for the year 2012/2013. In
general the executor of the Will is responsible for the paying the tax, however if you have been
gifted money/property by the deceased individual, or are a trustee of the Will you may have to
pay some inheritance tax in some circumstances. Inheritance tax will be paid following the
valuation of the estate and must be paid within 6 months of the end of the month in which the
deceased passed away.

Inheritance Tax Thresholds

Each United Kingdom resident has their own inheritance tax threshold of £325,000, after
which they will be subject to paying tax on their estate. However, if you are married or in a
civil partnership it is possible to transfer your partner's unused inheritance tax boundary. This
'nil band rate' transfer can mean the surviving spouse has an inheritance tax threshold of up to
£650,000 on their estate. The transfer can only occur on the death of the second spouse.
The second death must have occurred on or after 9th October 2007 otherwise it may not be possible
to transfer the full boundary. 

How Do I Pay Inheritance Tax?

Inheritance tax will be subject to interest if it is not paid in full in the six months
following the death of you loved one. So how do I pay inheritance tax? Firstly you must apply for
an inheritance tax number; you can apply for this online or via post using an IHT422 form. You
will need this number before you can make any payments and you should apply for it at least 3
weeks prior to making any payments. The HMRC recommends that you pay your inheritance tax
electronically via any of the following methods:-

1. Faster Payments Service (FPS)

2. Internet Banking

3. Telephone Banking

4. CHAPS 

5. Bank Giro

You can also pay your inheritance tax via cheque however this is not the recommended option. The
HMRC also will accept post dated cheques for tax if you have come to this agreement with them
directly or the cheque is post dated for a date prior to the deadline for payment and is for the
full amount due. 

In some cases, with certain assets it is possible to pay the inheritance tax in instalments over
ten years. This only applies to assets such as, shares, agricultural land and property, buildings
and businesses.


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For specialist inheritance tax click here advice
http://www.twpsolicitors.com/uk-inheritance-tax-planning-advice/

Thomson Wilson Pattinson are probate solicitors in Windermere. http://www.twpsolicitors.com/

Posted by http://jrandallfrier.com

How Should The Debtor Pay A Judgment?

Presuming that the debtor agrees to pay off your judgment, what's the right way of accepting
payment and what location? Preferably, you would not meet your judgment debtor face to face,
after the judgment was rendered. The debtor might be rude, or worse. 

In general, it's best to have the judgment repaid inside an envelope mailed to your post office
box. The second best method to be paid on your judgment, without facing the debtor; would be to
ask the judgment debtor pay the clerk of the court at a courthouse. Even these payment
transportation methods have some drawbacks; examples are, "My check is in the mail", and the
clerk of the court might retain your money for a certain amount of time before you can receive
it.

When the judgment debtor insists on seeing you face-to-face, make sure this happens at a secure
and public place. Do not meet your debtor at your house, their house, or a restaurant or a store.
Good locations to meet the judgment debtor are at the courthouse or in the lobby of your local
Sheriff or Marshall. The goal is to take advantage of the secure location, however not to bother
the staffers in the courthouse or Sheriff's lobby area. 

Be sure the debtor is repaying you in full, as it's very inconvenient to keep meeting them with a
partial payment. Ideally, one would be repaid, and that's all. My articles are my opinions and are
not, legal advice. I'm a judgment broker, and not a lawyer. When you ever need a strategy to use
or legal advice, please retain a lawyer.

In the real world, many folks enjoy hearing their own voices. Often, debtors have a duty to bend
your ear about a bunch of information which you do not need to know. Often, a judgment debtor
complains about the original plaintiff, or tell you they got ripped off and don't actually owe
anything. Remind the judgment debtor, that what counts is a judge decided the debtor owes the
judgment. Let them vent a little while, but do not let the debtor wear you out. 

Which types of payments might you accept? Your first choice is a cashier's check from the
debtor's bank. The bank is one more relatively secure place to meet your judgment debtor. Also,
you may get an advantage of witnessing them get the cashier's check, which almost guarantees that
check will be good. The second best payment method is a money order, from an issuer which you
know. 

Another payment option is cash. Be sure it's not counterfeit, and make sure to supply some kind
of receipt, signed by both you and your judgment debtor, which lists the amount of cash paid.
Make sure you both get a copy of the signed receipt. A personal check from your debtor also
works; however allow time to make sure that the check clears, prior to satisfying the judgment.
(Only) when you are paid for sure, quickly satisfy the judgment.

What if you can accept credit card payments, or have a PayPal account? The wordings on the
contracts and agreements of merchant credit card accounts and PayPal, most often specify that
holders of accounts can't take payments on judgments. 

When your judgment debtor is a company, one can usually remain a bit more relaxed about getting
repaid. The larger and more successful the business, the more one can remain calm. When the
company is big and successful, you can meet with their financial person inside their lobby area,
and take a check with no worry that it might bounce, etc. When the company isn't large and not
profitable, you have to play it by ear.

Lastly, often debtors will agree to pay you a certain amount before meeting you face to face, and
then attempt and get a surprise compromise from you when the debtor meets meet you in person. That
isn't fair to you, and most of the time they could repay you what they initially promised to pay,
if the debtor wanted to. Again, use your own judgment in this kind of surprise deal circumstance.


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Get your judgment recovered at the best real price: http://www.JudgmentBuy.com - Judgment
Recovery. The free, easiest, fastest and best way to start recovering enforceable judgments.
(Mark D. Shapiro 408-840-4610) JudgmentBuy offers the Truth.

Posted by The Dreamers Web

Debt Relief, Bankruptcy And Foreclosure Intervention Attorney

Are you in Debt? Are you finding it hard to stave off your creditors? Do not prevaricate that is hesitate or wait a moment longer. Now is the time, to get in touch with the debt relief experts, before it becomes a bigger burden than it already is and becomes even murkier and consequently more difficult to resolve.

Financial travails come in many forms
An illness
A job loss
A divorce Medical bills acrued from an Illness
Loss of savings due to bad investments etc, etc.
Whatsoever the cause, you need to consult a professional, at the very earliest.

For your ready reference situations that demand professional assistance are outlined
Credit Card debt - nonpayment of dues and ballooning compounded interest charges
Medical Bills - unexpected, uncovered, very large and unmanageable bills
Car repossession - nonpayment of installments
Creditors knocking at your doorstep - for payments of various sundry dues
Bankruptcy - when you are considering the option of whether to initiate or not
Foreclosures - intervention required to prevent a takeover, etc.

A debt relief lawyer is the person to consult in any such eventuality. The thumb rule being, when in doubt consult, as the proverbial stitch in time may yet save further anguish, besides a non recoverable or wasteful financial loss

Consult when faced with one or more of the following problems
Tax settlement - for IRS Tax bills and penalties that need to be mitigated
Consumer protection - at times assertive action is the best defense to hold Lenders, Insurers and Bill collection agencies liable
Debt settlement - Rescheduling of debts to suit your current status
Foreclosures - Buy yourself time and find mortgage solutions, so as to avoid eviction
Bankruptcy - Stop creditors from pressurizing and threatening you by either eliminating debt or spreading your debt over a much longer period.

Once again, we outline situations specifically, so that you understand, in good time, when you are heading into difficulties requiring professional assistance. Understand all issues and options before choosing a course of action.

Cautions to exercise the Dos and Don'ts of managing Debt
Do not bank and borrow from the same institution
Do not transfer or try to hide assets
Do not waste money on ill thought out solutions
Do not deplete your retirement savings on debt repayments

Whatever the cause maybe, timely action alone can alleviate your discomfort and position you for a quick recovery at an opportune time. A bankruptcy attorney is best placed to advise, assist and prevent a foreclosure like situation developing.

Obviously, debt relief that is rescheduling of debt is the first option. Thereafter if necessary; Chapter 7 bankruptcy Chapter 13 bankruptcy may need to be considered, to prevent a foreclosure consult foreclosure intervention specialists.

It is even said that Bankruptcy is a route to a fresh start. Pending Law suits, collection calls and Bank executions or evictions can be stopped by a debt relief lawyer, so why wait call now and prevent further bleeding.

Don't let your debt destroy your family or your life!

Randy Frier Bankruptcy Attorney is an experienced and compassionate bankruptcy attorney whose practice primarily involves assisting individuals and businesses with obtaining immediate debt reliefand a fresh start financially under the United States Bankruptcy Code.
http://www.jrandallfrier.com