There is that point in almost every conversation with a veteran or their family when they say “boy, I wish I’d known that at the time I (he/she) left service.” It’s difficult and occasionally heartbreaking to have to explain to a veteran that if they had filed a claim within an earlier time period, submitted certain evidence or asked for benefits a different way they might now be better off. While online information has helped in recent years, even the internet-savvy can find themselves … [Read more...]
Divorce & Bankruptcy
When to file the bankruptcy The stress of dealing with overdue bills and creditors calling can put a strain on any marriage. Frequently, divorce causes debt, or financial difficulties are a big factor in leading to divorce. If you are considering a divorce and have substantial joint debt, you should file bankruptcy before a divorce is final. By doing this, the debt component is greatly simplified in the divorce proceeding - if not eliminated completely. This not only takes away the worry … [Read more...]
Camp Lejeune Presumption Conceded By Veterans Benefits Administration!
The Veterans Benefits Administration published the final rule in the Federal Register providing a presumptive service connection for diseases associated with exposure to contaminants in the water supply at Camp Lejeune, North Carolina on January 13, 2017. The regulation, 38 C.F.R. §3.307 and §3.309(f), will become effective on March 14, 2017. Under the new rule veterans with a minimum of 30 days of service at Camp Lejeune between August 1, 1953 and December 31, 1987 will be presumed to have … [Read more...]
CHAPTER 7 vs. CHAPTER 13 BANKRUPTCY
I am often asked, what is the difference between chapter 7 and chapter 13 bankruptcy? Chapter 7 is a type of bankruptcy in which a debtor gets a fresh start. Chapter 13 is a type of bankruptcy in which a debtor pays all or a portion of his debt in a plan. CHAPTER 7 There are many factors which determine which type of bankruptcy is best for an individual. First, if a debtor has previously filed a chapter 7 bankruptcy, she must wait 8 years before filing another chapter 7. Second, high … [Read more...]
Do I have to go to Court to file Bankruptcy?
While there are instances where a court appearance may be required, most Debtors never have to appear in front of a Judge. The only appearance that every Debtor filing bankruptcy must make is to the creditors’ meeting. Creditors’ meetings generally take place at a courthouse, but you don’t appear in front of a Judge. Instead, the meeting is conducted by a bankruptcy Trustee, a court-appointed attorney. What is a Creditors’ Meeting? After filing bankruptcy, you will be scheduled to attend a … [Read more...]
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