» Personal Bankruptcy Law

San Francisco, CA (Law Firm Newswire) November 6, 2018 – Custom Legal Marketing has once again won a Gold MarCom award in recognition of a law firm website. The honor was awarded to San Francisco-based Custom Legal Marketing, an Adviatech company, in the Digital Media category for the website it designed and created for the Athens Georgia based law firm of Morgan & Morgan Attorneys at Law. The MarCom Awards honors excellence in marketing and communication while recognizing the creativity, hard work and generosity of industry professionals. Since its inception in 2004, MarCom has evolved into one of the largest, […]


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Custom Legal Marketing, an Adviatech Company, has opened a new location in Kansas City, Missouri to help lawyers develop effective SEO and marketing plans for their law firms. Kansas City, MO (Law Firm Newswire) July 17, 2018 – Kansas City lawyers can meet with Custom Legal Marketing (CLM) team members to discuss search engine optimization (SEO) strategies, pay-per-click marketing, website design, branding and more. The new Kansas City location is part of Custom Legal Marketing’s effort to give law firms a local exclusive marketing partner. As Missouri’s biggest city, Kansas City is an increasingly competitive legal market with a large […]


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Uniondale, NY (Law Firm Newswire) May 2, 2018 – Poulson Law PLLC, founded by Long Island native, Kiyam J. Poulson, Esq. and based in Uniondale, New York, is officially open for business. Endeavoring to serve the greater New York community with quality legal representation, Poulson Law PLLC’s areas of practice will include real estate including foreclosure defense, eviction/landlord tenant and closings, business including formations, contracts, copyrights and trademarks and estate planning including wills, probate, administrations, living wills and powers of attorney. His career has largely involved these practice areas. The founding and managing member, Kiyam J. Poulson, Esq., is an […]


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Brandon, FL (Law Firm Newswire) September 30, 2015 – A recent U.S. Supreme Court decision is good news for Chapter 13 bankruptcy filers who convert their cases to Chapter 7. Chapter 13 bankruptcy allows debtors with regular income to reorganize their debts and make regular, manageable payments on them under a court-approved plan. However, many such cases are never completed. Bankruptcy attorney O. Reginald Osenton explains why. “Often, the debtor is eventually unable to make the payments,” Osenton said. “Other times, the issue that caused the individual’s financial trouble goes away. In the former case, the debtor’s next step often […]


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Brandon, FL (Law Firm Newswire) September 3, 2014 – There are tax implications involved with filing for bankruptcy. Individuals faced with overwhelming debt often consider filing for bankruptcy. The debts discharged in bankruptcy can include taxes, but Brandon, Florida bankruptcy attorney O. Reginald Osenton warns that rules and limitations apply. “The good news is that some taxes can be discharged in bankruptcy proceedings,” said Osenton. “However, it is important to be aware of the limits that apply.” First, Osenton notes, people considering filing for individual bankruptcy should know that if they are going through a tax audit, the bankruptcy will […]


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Participants are paid to review branding material and provide feedback on proposed designs. San Francisco, CA (Law Firm Newswire) March 18, 2014 – When law firms rebrand, create new marketing literature or design a new website, they want to know what their target market thinks. Anyone who has hired a lawyer in the United States after 2004 can now receive compensation for participation in a Custom Legal Marketing focus group. To qualify, a focus group participant must have retained a lawyer within the last 10 years. Both the focus group member and the retained attorney must have been (and be) […]


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Des Moines, IA (Law Firm Newswire) July 9, 2013 – Students having difficulty paying their student loans may qualify for some type of relief to assist them. Usually, student loans are not discharged as a result of filing bankruptcy. However, there may be relief in the form of income based payments, graduated payment plans, deferment or forbearance, remarked Iowa bankruptcy lawyer, Kevin Ahrenholz. It is important for a student in a cash crunch to take action with regard to their loan before it is considered to be in default. Waiting for a student loan to default and not doing anything […]


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Des Moines, IA (Law Firm Newswire) July 2, 2013 – While many people are tempted to get a pay day loan to help them through a tough cash flow period, financial experts warn this is not a smart fiscal move. The debt load faced by the majority of U.S. citizens is staggering. Most debt currently overwhelming these households originates from debts relating to home mortgages, credit card charges, large medical bills and other personal liabilities. Because so many people find they need more cash on hand, they resort to applying for a payday loan. Most major cities and even some […]


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Des Moines, IA (Law Firm Newswire) June 10, 2013 – People think that once they declare bankruptcy, they cannot get loans. They can get a loan, but not immediately. It is possible to get a personal loan after declaring bankruptcy. However, it does depend on which type of bankruptcy was declared. Those who declare a Chapter 7 bankruptcy have the highest chance of obtaining a personal loan because their debts are completely wiped out, indicated Iowa bankruptcy lawyer, Kevin Ahrenholz. What this means is that when an individual applies for a loan, at a later date, after a bankruptcy discharge, […]


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Des Moines, IA (Law Firm Newswire)June 3, 2013 – People are uncertain as to whether they may rent a house after declaring bankruptcy. They may rent, but require the bankruptcy trustee’s permission. The situation of a debtor possibly needing to rent a home after filing for bankruptcy is more applicable for Chapter 13 bankruptcies. Chapter 13 is a payment plan that allows the debtor to pay back a portion of their debt over a three to five year time frame. While under bankruptcy protection, debtors are allowed a discretionary budget to pay for living expenses. This budget is monitored by […]


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Des Moines, IA (Law Firm Newswire) May 9, 2013 – The biggest concern for those who go bankrupt is how it will affect their credit rating. This can be resolved over time. It is common for debtors to wonder how they will ever get credit again after going bankrupt. While the situation may have been really bad, with some forethought and good planning, they can certainly re-establish credit. There are a number of things that one can do to positively affect credit scores after going bankrupt Iowa bankruptcy lawyer Kevin Ahrenholz indicated. Many people do not realize that the Bankruptcy […]


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Des Moines, IA (Law Firm Newswire) April 8, 2013 – One of the most common questions debtors have when they speak to an Iowa bankruptcy lawyer is “What is involved in foreclosure?” Declaring bankruptcy is a stressful thing to do, and with so many details, documents, rules, regulations and various meetings, it can be a nightmare to comprehend everything going on. The most upsetting part of bankruptcy is the threat of foreclosure. In general, foreclosure is when a lender takes action to repossess their property; property they have a mortgage against resulting from money lent to the debtor. In the […]


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Des Moines, IA (Law Firm Newswire) April 1, 2013 – Preference actions return money to a bankruptcy trustee, for use in discharging a debtor’s debts. Many people are not aware of the preference action, which is a lawsuit, filed by a bankruptcy trustee, to get funds paid to a creditor before bankruptcy is filed. If the trustee has all they need to file, they must do so within two years of when the debtor files for bankruptcy protection. If they miss this deadline, the suit cannot be filed, indicates Iowa bankruptcy lawyer, Kevin Ahrenholz. The ability to get money back […]


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Brandon, FL (Law Firm Newswire) March 20, 2013 – An estate in bankruptcy means any tax refund will likely become the property of the bankruptcy trustee. Many Floridians are looking forward to receiving an income tax refund from the federal government in the coming weeks and months. Some will use it to catch up on their bills, and others will perhaps treat themselves to something special. But anyone considering filing for bankruptcy in Florida should carefully consider what to do with their tax refund. Brandon bankruptcy attorney O. Reginald Osenton warned, “A pending tax refund for a person in bankruptcy […]


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Des Moines, IA (Law Firm Newswire) March 8, 2013 – A large majority of Americans file bankruptcy because of overwhelming credit card debt. This is because they use their card to bail themselves out. The worst thing to do is bail out of a cash shortage by using a credit card. It is tempting to use it of course, because it gets one out of a tough situation. However, the balance keeps creeping up and once it gets large enough, there is no way to keep up with it any longer. Some companies charge up to 30 percent interest. Trying […]


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Des Moines, IA (Law Firm Newswire) March 1, 2013 – Not being able to pay the mortgage is a stark reality for many Americans these days. There are some tips to deal with this issue. It is not always easy to pay the mortgage when the economy is bad, remarked Iowa bankruptcy lawyer, Kevin Ahrenholz. In fact, more people find themselves defaulting, going under, struggling to hang on and losing, and are right up against the wall with worry. There are some options to consider. One of the first things to do is to talk to the mortgage lender. While […]


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Des Moines, IA (Law Firm Newswire) February 15, 2013 – Being a celebrity or a well known person does not automatically protect anyone from going bankrupt. There are any number of celebrities that have gone bankrupt and still rebounded to continue on with their lives. They have even come back to a more financially rewarding life. It can be done. Bankruptcy is not what it used to be in terms of being shameful and tantamount to a confession that someone was lazy or dumb or dishonest. It can happen to literally anyone, including the former Duchess of York, Sarah Ferguson, […]


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Des Moines, IA (Law Firm Newswire) February 8, 2013 – Medical bankruptcy plays a large role in many bankruptcies these days. This trend does not show signs of slowing down in the prevailing economy. Medical bankruptcy is more common than one might think explained Kevin Ahrenholz, an Iowa bankruptcy lawyer. In fact, medical bills and serious illnesses were cited as reasons for over half of the bankruptcies filed in America. There are approximately 3 million Americans seeking bankruptcy protection in any given year since the recession hit. In other words, medical bankruptcy may hit about one person every 15 seconds. […]


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Des Moines, IA (Law Firm Newswire) January 9, 2013 – There are not too many things that are exempt when it comes to filing for bankruptcy, but pension plans and 401Ks definitely are. For people filing a Chapter 7 bankruptcy, this basically means this is a “liquidation bankruptcy,” the most common form filed in the U.S. When the bankruptcy is discharged, debtors come out the other side free of all debts. Being discharged is only available for individuals, not businesses, advised Iowa bankruptcy lawyer, Kevin Ahrenholz. When an individual files for Chapter 7, the first thing they do is choose […]


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Des Moines, IA (Law Firm Newswire) January 2, 2013 – Contracts cannot negate bankruptcy protection. It’s a very simple principle, one that has its origins in a U.S. Supreme Court decision in 1938. In Johnson vs. Zerbst, the court defined a “waiver” as the “intentional surrender of a known privilege or right.” A bankruptcy discharge, coupled with the benefits of starting over debt-free, is considered a privilege. Thus, any clause in a contract that attempts to render an obligation invalid in a bankruptcy is attempting to negate bankruptcy protection. However, the bankruptcy code states this is non-enforceable, remarked Kevin Ahrenholz, […]


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