April 2023

How a Chapter 13 Bankruptcy Attorney Can Help You Get a Fresh Start

If you’re struggling with debt and creditor harassment, bankruptcy can give you a fresh start. Talk to an attorney about your options and what type of bankruptcy is best for you.

Chapter 13 Bankruptcy is a form of reorganization that allows debtors to reduce or eliminate their credit card, medical and other unsecured debts over a period of time. While the length of the plan can vary, most plans last three to five years.

The Chapter 13 process can be complicated and can lead to many problems, so it’s important to work with an experienced lawyer. They will know the ins and outs of the law, including how to prevent certain types of mistakes that can lead to your case being dismissed. Check out https://www.phoenixfamilylawyers.net/chapter-13-bankruptcy-attorney/ for more information about chapter 13 process.

Depending on your situation, you may be eligible for a “hardship discharge” after filing for bankruptcy. This is a good option if you’ve suffered an injury or illness that prevents you from earning sufficient income to make your regular monthly payments on your debts.

A hardship discharge is different from a chapter 7 “fresh start” bankruptcy, in that it does not eliminate your debts, but simply provides you with protection from creditor harassment. However, a hardship discharge can be more difficult to obtain than a chapter 13 bankruptcy.

Your eligibility for Chapter 13 bankruptcy depends on your household’s income, assets and expenses. Your attorney will help you determine if you qualify for Chapter 13 and prepare the paperwork necessary to file.

You’ll need to provide a budget and a repayment plan that is submitted to the court for approval. This plan should include a percentage of your gross income that will go towards paying your creditors.

The amount of money you can afford to pay each month will also be a factor in your approval. Your lawyer will recommend a payment schedule that will be affordable to you while still keeping your debts under control.

Once the plan is approved, you’ll need to pay your creditors on time each month. Your payments should be based on your current monthly income, which includes both your regular monthly living expenses and any other sources of income.

If you’re having trouble making ends meet, contact a Phoenix bankruptcy lawyer to discuss your debt and financial situation. A qualified bankruptcy lawyer can help you create a repayment plan that will get your debt under control while still allowing you to live a normal life.

A Phoenix bankruptcy lawyer will also help you determine if you can qualify for a chapter 13 bankruptcy. If you can’t, your attorney will suggest other ways to resolve your financial issues.

Your attorney can also help you find debt relief alternatives, such as a debt management plan through a credit counseling agency. If you’re considering filing for bankruptcy, contact an attorney today to get a free consultation and learn more about the benefits of filing for bankruptcy.

For many people, bankruptcy is the answer to their financial problems. With the right lawyer, you can get a fresh start and begin rebuilding your credit score.

The Role of Alimony in Divorce Proceedings: What You Need to Know

There are a number of factors that go into a family court judge’s decision to award alimony or deny it. Whether a spouse is entitled to alimony depends on their financial situation during the marriage, and whether or not they need support.

The main reason spousal support is awarded is to help an ex-spouse maintain the standard of living they enjoyed during the marriage and avoid the economic devastation caused by a divorce. In a similar way, child support payments may be ordered to limit the economic impact of a divorce on a child and protect their future.

Alimony is a type of spousal support that’s awarded in cases where one spouse has a lower income than the other. In many states, the court has a variety of guidelines and procedures for deciding how much to pay and when.

It is critical to have an experienced Dade County family attorneys represent you throughout the divorce process, so that you can receive the best results possible. If you are unsure of your legal rights or are considering filing for divorce, contact an experienced New York family law attorney today to schedule your consultation.

Most alimony awards are for no more than half the length of the marriage. Generally, this time frame will be set by the judge based on the facts of the case and the judge’s evaluation of each party’s circumstances.

Some courts use a longer-term time frame, for example 10 years or more. This is called “rehabilitative” alimony. The purpose of rehabilitative alimony is to give the recipient spouse a chance to become self-supporting or receive additional training in a job skills they might need if they were to return to work.

A person’s health can play a major role in their ability to work and live independently, especially if they have a disability or chronic medical condition. If there is a material change in a person’s health, a judge may order them to make a modification to their alimony agreement.

Often, this is done through negotiations with the paying spouse, but it can also be accomplished by taking the case to trial. But this is a risky strategy because going to trial requires a lot of money and time.

If a supported spouse has an inflated taxable income, for instance, they may be able to reduce their alimony payment through a review of their tax returns. Alternatively, they could try to convince the court to modify or even end their maintenance payment if there has been a substantial change in their income.

However, there are times when alimony payments will not be modified, regardless of a change in circumstances. In some states, alimony is automatically terminated by the court if the recipient spouse remarries, or if they have children from a previous marriage.

There are a few exceptions to this rule. The most common of these is when the court finds that the recipient spouse has a history of domestic violence or other misconduct in the relationship.

As a general rule, however, marital fault or misconduct by one or both spouses is irrelevant to the question of whether alimony should be awarded. In these situations, the spouses must show a sufficient need for alimony in order to be awarded it.