- Divorce
- Child Support(5) Whether you owe unsecured debts, secured installment debts, tax debt, and child support debts can all affect your credit score.
- Spousal SupportAs mentioned in an earlier video, some debts cannot be discharged in a bankruptcy. Certain types of debts such as child support, alimony, most student loans, some federal income taxes, and all employer withholding taxes cannot be discharged in bankruptcy. The debtor’s wrongful conduct may make some debts nondischargeable. Examples of such debts like incurring credit card charges without the intention or the ability to pay them or to obtain loans using false financial information.
- Criminal DefenseThere is a criminal law that provides that if anyone files a petition or files a document that makes a false or fraudulent representation, then they may be subject to criminal prosecution and provides for fines and imprisonment, up to five years. As long as you tell the truth to the best of your knowledge and ability, you should not have a problem.
- FraudSometimes people will transfer vehicles, personal property, or other things to their relatives, their parents or their friends in the hope they will keep the property until the bankruptcy is over. This is clearly a nondisclosure of assets and is bankruptcy fraud. In addition, any transfers that have been made within a certain time period have to be disclosed on the Schedules.
- Employment LitigationRhymer Law Firm will not collect any individually identifiable information about you such as your name, address, telephone number, or email address unless you provide it to us voluntarily. If you do not want your individually identifiable information collected, please do not submit it to us. If you have already submitted this information and would like us to remove it from our records, please contact us at the e-mail address or phone number listed at the bottom of this policy. We will delete your information from our existing files. When you do provide us with individually identifiable information, we may use that information in the following ways: we may store and process it to better understand your case or potential case; we may use it to contact you; and we may use it in connection with employment litigation if any.
- Social Security Disability2005: The US Supreme Court upholds the government’s ability to collect defaulted student loans by offsetting Social Security disability and retirement benefits without a statute of limitations. See Lockhart v US (04-881, December 2005).
- BankruptcyIt has been our experience that most people who come to one of our free office consultations come in for two reasons: REASON NUMBER ONE: You want to know more about bankruptcy and what your options are under bankruptcy law. You want to know what kind of relief you may be eligible for under the law. Can you keep certain property, what would happen to your personal debts, how would it affect your credit in the future, what about cosigners on your debts, and many more questions of how a case would affect you? You may not be ready to file a case right now, but you need specific information about how the law would apply to the facts of your personal situation. FORM PACKAGE NUMBER ONE BELOW provides the information you would need to bring with you when you come in one of our offices for this type of appointment.
- ForeclosureREASON NUMBER TWO: The second main reason you may want to come in for a Free Consultation is that you want to know what your options are in a case but believe you will probably have to file a case to stop your creditors and get some relief quickly. We see many people whose wages or bank accounts are being garnished. You may have been served with a lawsuit and know that if the creditor gets a judgment then they could start a wage or bank account garnishment and you want to stop it before it gets started. If your home is up for foreclosure, if you are about to have a car or truck repossessed, if you are getting abusive telephone calls from creditors, or if you are on the verge of filing for divorce because of the pressure of the past due bills, then give us a call. Many people realize the need for protection from their creditors now and need help as soon as possible to start their protection. FORM PACKAGE NUMBER TWO BELOW provides the information to get your protection started as soon as possible.
- Debt Collection