Quiebra bajo el Capítulo 13

Elimina o reduce sustancialmente sus deudas, protege su codeudor, casa y el auto, paraliza las llamadas de los cobradores y las demandas de cobro de dinero o ejecución de hipoteca.

Bajo el Capítulo 13 de la Ley de quiebras se permite hacer un plan de pagos, conforme a sus ingresos, que le permita proteger a sus codeudores, incluir atrasos en el pago de pensiones alimentarias, en hipotecas y en los autos, o en los equipos de negocio que haya sido adquirido bajo venta condicional.

jueves, 17 de octubre de 2013

Why You Should FIle Bankruptcy Now…and Why Delaying Makes You Feel Better

Courtesy Creative Commons

It’s an old saying among bankruptcy attorneys that their clients should have seen them at least a year ago.

If they did, they wouldn’t have done all of the things that cost them lots and lots and lots of money:

Taking money out of retirement programs to pay unsecured debt;

Borrowing money from banks, taking out cash advances from credit cards, dealing with payday lenders;

Selling real estate or other assets;

Borrowing money from friends and family;

Drawing down their bank accounts to pay dischargeable debt;
Getting sued, or garnished or attached;

Dealing with a year of unpleasant phone calls, nasty letters and stress.

So, given all of these problems, why don’t people speak with a bankruptcy attorney sooner? The answer lies in the legitimate and very real desire to avoid bankruptcy. By the time many of my clients first call me, they have already taken money out of their retirement, sold what they could, borrowed money from whomever would lend it to them, run through their savings, gotten sued, and been driven frantic by bill collector calls and letters. Most people going through financial difficulties believe that better times are just around the corner, and “If I can just get through things until…” it will be all better.

Unfortunately, it often does not get better.

Nevertheless, people who have done these things know, deep down, they they really did everything possible to avoid bankruptcy. Did it cost them a lot of money? Yes. Did knowing that they did everything they could to not have to call me give them some degree of comfort? Probably. But I think that most of my clients would rather have the money back!

Bankruptcy Law Network, LLC, 6502 S. 6th Street, Klamath Falls, OR 97603, USA

Divulgado por:

Rolando Emmanuelli Jiménez, J.D. LL.M.


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