What You Need to Know Before Filing For Bankruptcy- Part 1

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filing for bankruptcyFiling for bankruptcy can be a tricky decision, but it does not have to be scary. It is important to know that you have options, and there are many people available to help you through your bankruptcy case. In addition, you are not alone, as there were an estimated 1,071,932 bankruptcy filings in the U.S. during 2013. Here is our first installment on what to know before filing for bankruptcy.

1. There are two main options, Chapter 7 bankruptcy and Chapter 13 bankruptcy
Once you have chosen to file, then you must decide which path is better for you.

Chapter 7 is liquidation bankruptcy; it will relieve all of your outstanding debt, including personal loans and credit cards. You will have to take a “means” assessment, which will determine if you have enough income. If you do not, you may have to sell any non-liquidated assets. Generally, if you choose to file under this method, then you will be able to keep most assets. The process takes around six months to complete.

Chapter 13 bankruptcy reorganizes your finances, and will require you to pay back your lenders over time. While no property or assets are liquidized, this process can take between three to five years to complete. To be eligible for this method, you must have a stable income and the ability to make monthly payments.

2. Your credit will be affected
Do not expect to file for bankruptcy and get a free pass when it comes to credit. Your credit will be affected, as a Chapter 7 bankruptcy will stay on your credit report for 10 years after it is completed. In addition, you will have to declare your bankruptcy history to any future employers, on medical forms, and on official governmental reports. As it stays on your report permanently, you will want to make sure this is the right option for you before filing.

3. Bankruptcy cannot fix everything
There are certain aspects of credit that cannot be fixed with bankruptcy. This includes back taxes, student loans and child support. If you are struggling to pay these debts, try seeking help from credit counseling, loan refinancing, and/or credit card consolidation.

Stay tuned for Part 2: what you need to know before filing for bankruptcy!

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Fed Up Man Pays Court Traffic Ticket in Pennies

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taking a ticket to courtEvery year, about 41 million speeding tickets are issued, among millions of other types of traffic tickets. Indeed, the worst part about getting any sort of ticket is the hefty fine that often comes with it. Every single day, about 112,000 people are slapped with an average fine of about a $150 for speeding. The National Highway Traffic Security Administration estimates the collective cost of speeding and related accidents to be around $40.4 billion each year, making the whole situation part of a substantial industry.

Most people begrudgingly pay their fines, or go through the process of taking a ticket to court, but one man in Texas had had enough.

Brett Sanders received a ticket in Frisco, Texas — for driving nine miles over the speed limit. He contested the charge in court but lost and was charged $220.

Outraged, Sanders paid the fine with 22,000 pennies. He used five-gallon bucks to bring the money to the Municipal Court, and proceeded to dump the coins on the counter.

“I didn’t hurt anybody. I didn’t endanger anybody’s life,” he said. “When my fine came due, I just decided I may as well pay with pennies and we’ll make a big spectacle of it.”

The video of his act, which he had recorded, has gone viral, to say the least. It’s been viewed more than 1 million times. It took the city staff more than three hours to count all the coins.

While Sanders might not be the best source for tips for traffic court, his boldness does call into question the system of traffic ticketing and the fines associated with them. Fighting a traffic ticket can be hard, and often fruitless, which is why many people choose to hire a traffic lawyer to help them navigate the legal intricacies of the process. A traffic ticket lawyer is very experienced in figuring out how best to approach a ticket, give great advice on taking a ticket to court and get you out of a fine.

Of course, maybe if we all takes Sanders’ approach, the government might abolish speeding fines in general.

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What You Need to Know About Moving Violations

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traffic ticket lawyerOne thing’s for sure — having a car means spending money. From maintaining it with regular service checks, paying for parking, and keeping the tank full, cars can be a gigantic money suck. But, of all the costs of a car, one thing in particular seems to make it especially exorbitant — tickets. No matter how vigilant a driver and car owner you are, chances are that at one point or another, you’ll get a ticket of some kind. Generally, you are most likely to get one of two kinds of tickets: parking violations or moving violations. Check out this explanation of moving violations here, and remember, a traffic lawyer can help you when taking a ticket to court:

Moving Violations
A moving violation is a violation of the law committed by a driver of a vehicle while it’s in motion. Moving violations are typically charged against the actual driver of a vehicle. They are also usually classified as infractions or misdemeanors, but more serious types of violations, like a hit and run, driving under the influence, or road rage, can be considered felonies. Indeed, these are also very common: Around 41 million speeding tickets are issued each year, and every day, 112,328 people are slapped with an average fine of about $150 for speeding.

Some examples of moving violations include speeding, which can include exceeding a limit or simply driving at an unsafe speed. Failing to maintain an Assured Clear Distance Ahead (ACDA), running a stop sign or traffic light, failing to yield to another vehicle with the right-of-way, failure to signal, failure to drive in a lane, failure to use a seat belt, and driving in a car pool lane illegally all fall under the heading of moving violation. Your traffic ticket lawyer will be able to help you figure out the finer details of your ticket.

As any traffic ticket lawyer can tell you, moving violations almost always involve fines and sometimes points on the license of the driver. As the driver accrues points, he or she may be required to take such measures as attending defensive driving lessons, retaking his or her driving test, paying more taxes, or surrendering his or her license.

The National Highway Traffic Security Administration estimates the collective cost of speeding and related accidents to be around $40.4 billion each year and if you get a moving violation, you will inevitably have to pay a pretty large sum. Get a traffic ticket lawyer or speeding ticket lawyer for help with taking a traffic ticket to court or for tips for traffic court in general.

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3 Things You Didn’t Know About Bankruptcy

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local bankruptcy attorneyBankruptcy has a lot of culturally held and reinforced connotations — for instance, many think that it’s a last resort for people or businesses that have really hit rock bottom after having been unwise with their money. But the truth is that bankruptcy is actually a way for the government to help individuals or companies manage their debt, and to restructure their financial management in order to make repayments. Moreover, bankruptcy isn’t just limited to people who have been fiscally irresponsible — indeed, bankruptcies as a result of unpaid medical bills were filed by an estimated two million people in the United States during 2013.

There is a lot that the public doesn’t know about bankruptcy and bankruptcy proceedings, which is one of the reasons it is important to work with a local bankruptcy attorney if you seek to file at some point in your life. Check out these little known facts about bankruptcy to build your own knowledge base about it:
  • In order to file bankruptcy, a person must owe at least $1,000 — while it is uncommon for someone to file for such a small amount, everybody’s financial loan debt and situation are different, and they can all weigh heavily. For some people, a $5,000 debt load can be just as unmanageable as a $100,000 one.

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  • Your credit will, in fact, recover. It is true that a Chapter 7 bankruptcy stays on your credit report for 10 years after it is arranged, but even during that time it is more than possible to apply for and receive different types of credit.

  • While household income is used to determine the length of time a person may remain in bankruptcy and what they will pay on a monthly basis, there is no income cap for declaring bankruptcy.
A Chapter 7 bankruptcy case can take around six months to complete, and after that time, a bankruptcy trustee will have worked out a plan with your creditors so that you can start repaying your debts, restructuring your finances in general, and living your life again. If you see this as an option, contact a local bankruptcy attorney today to get started.

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Stop Speeding! It’s Not Worth It!

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fighting a traffic ticketSome people want to do one thing when they get behind the wheel: drive fast. Maybe it’s from a lack of excitement in their lives. Maybe they played too many racing video games growing up. Maybe they just have a heavy foot. Regardless of the reasoning, speeding can kill.

Everyone goes through it. Usually, a week or two after you first get your license and you have that freedom for the first time in your life, you want to risk it all by going too fast. Some of the more mature individuals realize — fairly quickly — that speeding is not worth it. You could end up killing yourself or someone else, end up wrecking your vehicle, go to jail or pay hefty fines. There is no way around it. It’s NOT worth it.

Some people, unfortunately, have an urge to speed well into their adult driving lives. It doesn’t matter if it’s a 16-year-old or a 55-year-old, people driving excessively fast are a danger to themselves and everyone else on the road.

Speeding tickets, though everyone complains about them, are one of the best possible outcomes you can have after speeding. You’re going to have to pay a fine, yes, but hopefully, that’s how you will learn to stop driving fast and putting others at risk.

The National Highway Traffic Security Administration reports that the annual collective cost for speed-related accidents is approximately $40.4 billion. Every year about 41 million speeding tickets are issued at about $150 per fine, equaling out to over 112,000 speeding tickets per day.

People just don’t get it. That’s too much speeding. We all need to stop speeding and take better care of our roads, our cars, and ourselves.

Fighting a Traffic Ticket
However, there are circumstances when a speeding ticket is not just or fair. Fighting a traffic ticket doesn’t have to be an excruciating event. It’s important to speak with a traffic ticket lawyer before taking a ticket to court so you know what to expect.

Every situation is different, but some tips for traffic court include waiting patiently, dressing professionally, consulting with your traffic lawyer, and respecting the judge.

Fighting a traffic ticket can also be done by challenge the ruling of the ticketing officer. If you can prove that your driving was either legal, necessary to avoid serious harm, or that it was a mistake of fact, you might be able to get out of the ticket. Drive safe out there!

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