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May 12, 2021 by Moellring & Ambler

Can I avoid bankruptcy by being better at budgeting?

As with most issues, the answer to this question is it depends. Income is a huge factor in budgeting. Before your free bankruptcy consultation, attorney Marcia Moellring requests clients fill out a budget worksheet. This allows her to analyze a person’s specific situation and determine if bankruptcy is an appropriate option. Some people can be helped by prioritizing their income distribution or finding ways to cut back expenses. If a creditor action is severe, a chapter 13 repayment bankruptcy … [Read more...]

Filed Under: Bankruptcy Tagged With: bankruptcy, bankruptcy budgeting, bankruptcy lawyer, budget, Marcia Moellring

November 1, 2016 by Moellring & Ambler

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...]

Filed Under: Bankruptcy Tagged With: Bankruptcy Attorney, Chapter 13, Chapter 7, Hannibal Bankruptcy Attorney, Marcia Moellring, Quincy Bankruptcy Attorney

August 29, 2016 by Moellring & Ambler

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...]

Filed Under: Bankruptcy Tagged With: 341 Meeting, Bankruptcy Attorney, Creditors Meeting, Hannibal Bankruptcy Attorney, Marcia Moellring, Maria Moellring, Quincy Bankruptcy Attorney, Trustee Meetings

March 25, 2016 by Moellring & Ambler

Why hire an attorney for your VA claim?

In June of 2007 veterans gained the right to hire an attorney to represent them at the Regional Office and the Board of Veteran’s Appeals.   The attorney will provide assistance in the filing of the appeal and provide representation at Decision Review Officer hearings or Board of Veterans Appeals hearings.  If need be, an attorney can appeal a BVA decision to the Court of Appeals for Veteran’s Claims and the Federal Circuit. Choosing which attorney to represent you before the VA is important … [Read more...]

Filed Under: Veterans Disability Tagged With: Attorney for Veteran Benefits, Dylan Welker, Marcia Moellring, Moellring & Ambler, VA accredited attorney

March 25, 2016 by Moellring & Ambler

TDIU vs. 100% Schedular Rating

VA compensation benefits are generally rated on a schedule between 10 and 100, depending on the disability and degrees of disability.  However, in VA world the combination of the ratings is not a simple matter.  To most of us, 30 + 20 = 50.  in VA world, 30% + 20% = 40%.  The reason for the unique combination of ratings according to 38 C.F.R. §4.25 is that, “the consideration of the efficiency of the individual as affected first by the most disabling condition, then by the less disabling … [Read more...]

Filed Under: Veterans Disability Tagged With: 38 CFR 4.16, 4.16, Individual Unemployability, Marcia Moellring, TDIU

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