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AV Preeminent Peer Rated Attorneys
New York Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
New York Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

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The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

How to negociate with bank after C13?

Answered by attorney Michael D. Siegel
Bankruptcy lawyer at Siegel & Siegel, P.C.
The old comments cannot be removed until they drop off.  You post is unclear.  I am not sure what you want to do.
The old comments cannot be removed until they drop off.  You post is unclear.  I am not sure what you want to do.

Is this a good time to file Chapter 7?

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Answered by attorney James A. Wingfield (Unclaimed Profile)
Bankruptcy lawyer at Law Offices of James Wingfield
Now might be a good time for you to file a Chapter 7 bankruptcy. Some additional questions that I would want to discuss with you are whether you are up to date on our mortgage and car payments, whether you have you have a spouse with significant income, and if you have paid any family members money you owed them in the past 12 months. Assuming you are up to date on the payments, you are single or your spouse?s income is not so high as to put your household income over the median income threshold in Massachusetts, and you have not made transfers to family members in the past twelve months, then this may be a good time to file. You should consult with a qualified bankruptcy attorney before taking the next step. Good luck.
Now might be a good time for you to file a Chapter 7 bankruptcy. Some additional questions that I would want to discuss with you are whether you are up to date on our mortgage and car payments, whether you have you have a spouse with significant income, and if you have paid any family members money you owed them in the past 12 months. Assuming you are up to date on the payments, you are single or your spouse?s income is not so high as to put your household income over the median income threshold in Massachusetts, and you have not made transfers to family members in the past twelve months, then this may be a good time to file. You should consult with a qualified bankruptcy attorney before taking the next step. Good luck.
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What is the best way to settle our bills?

Answered by attorney Daniel A. Edelman
Bankruptcy lawyer at Edelman, Combs, Latturner & Goodwin, LLC
Unfortunately a creditor or debt collector is generally not under any obligation to negotiate a settlement. The amount of payments if any is up to the agreement of the parties. On the other hand, medical bills are very difficult to collect. They are often filled with errors and overcharges. Send a letter disputing the debt, requesting a detailed itemization of the bills, and request a copy of the medical records, with a copy to each provider. Go through the bills and compare them to the records and see if there are any discrepancies. Chances are there will be some, along with charges for items or services not furnished and outlandish items (e.g., $100 for an aspirin). The provider or collector has to prove that the bills are accurate, the services are medically necessary, and the reasonable value of the services. The collector may become more reasonable when it sees you will not just accept the charges at face value. Also, check and see if you qualify for charity care/ write offs. Illinois hospitals are required to provide same in exchange for their tax exemptions.
Unfortunately a creditor or debt collector is generally not under any obligation to negotiate a settlement. The amount of payments if any is up to the agreement of the parties. On the other hand, medical bills are very difficult to collect. They are often filled with errors and overcharges. Send a letter disputing the debt, requesting a detailed itemization of the bills, and request a copy of the medical records, with a copy to each provider. Go through the bills and compare them to the records and see if there are any discrepancies. Chances are there will be some, along with charges for items or services not furnished and outlandish items (e.g., $100 for an aspirin). The provider or collector has to prove that the bills are accurate, the services are medically necessary, and the reasonable value of the services. The collector may become more reasonable when it sees you will not just accept the charges at face value. Also, check and see if you qualify for charity care/ write offs. Illinois hospitals are required to provide same in exchange for their tax exemptions.
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