tag:blogger.com,1999:blog-310997162024-03-05T03:48:08.788-06:00Chicago Bankruptcy BlogChicago Bankruptcy Lawyers
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Chapter 7 & Chapter 13 BankruptcyTerrance S. Leedershttp://www.blogger.com/profile/15965781550565638338noreply@blogger.comBlogger173125tag:blogger.com,1999:blog-31099716.post-65171677602131912132017-08-25T11:44:00.000-05:002017-08-25T11:44:20.592-05:00While Zillow is a good starting place to determine approximate value for your home when filing for bankruptcy, A better option would be a CMA -a comparable market analysis, or even better yet, a full blown appraisal. When you are close whether your exemption covers the equity in your home, it's best to be certain as to value to avoid liquidation issues with a chapter 7 bankruptcy case.<br />
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<a href="http://www.abajournal.com/news/article/federal_judge_tosses_suit_claiming_zillow_zestimates_are_illegal_appraisals">http://www.abajournal.com/news/article/federal_judge_tosses_suit_claiming_zillow_zestimates_are_illegal_appraisals</a><br />
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<br />Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-27579199201765743492017-03-21T13:56:00.000-05:002017-03-21T13:56:16.749-05:00You will not get your car back by filing chapter 13 bankruptcy if the City seized your vehicle for unpaid tickets<span style="font-family: Times, Times New Roman, serif;">Bad news for debtors. </span><br />
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<span style="font-family: Times, Times New Roman, serif;">A recent ruling by Judge Cassling in Chicago, clarifies provisions of the automatic stay in regards to returns of vehicles that were taken pre-bankruptcy filing. </span><br />
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<span style="font-family: Times, Times New Roman, serif;">Bankruptcy
Caption: <a href="http://links.govdelivery.com/track?type=click&enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTcwMzIxLjcxMzY5NDUxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE3MDMyMS43MTM2OTQ1MSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE2ODMwODYyJmVtYWlsaWQ9dGxlZWRlcnNAbGVlZGVyc2xhdy5jb20mdXNlcmlkPXRsZWVkZXJzQGxlZWRlcnNsYXcuY29tJnRhcmdldGlkPSZmbD0mbXZpZD0mZXh0cmE9JiYm&&&100&&&http://www.ilnb.uscourts.gov/sites/default/files/opinions/Avila.pdf">In re Bianca L. Avila</a><br />
Bankruptcy No: 17 B 00870</span><br />
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<span style="font-family: Times, Times New Roman, serif;">In this case, the city of Chicago seized the debtor's vehicle prior to her filing a chapter 13 bankruptcy case. She sought to have the court order the creditor to return the vehicle because of her chapter 13 bankruptcy case. </span><br />
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<span style="font-family: Times, Times New Roman, serif;">Judge Cassling ruled that the exception to the automatic stay carved out by 11 U.S.C. § 362(b)(3), which reads “does not operate as a stay—under subsection (a) of this section, of any act
to perfect, or to maintain or continue the perfection of, an interest in property to the extent that
the trustee’s rights and powers are subject to such perfection under section 546(b) of this title….”</span><br />
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<span style="font-family: Times, Times New Roman, serif;">Therefore, since the city has a possessory lien on the vehicle which was perfected when they seized the vehicle, they are allowed to retain that lien and not be in violation of the automatic stay. </span><br />
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<span style="font-family: Times, Times New Roman, serif;">This differs from case law that requires a secured creditor, such as a car finance company, since their lien was not statutory, merely consensual (thru contract recorded against the title) to give back a vehicle upon filing of the chapter 13 bankruptcy. </span>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.com205 W Randolph St #1240, Chicago, IL 60606, USA41.8841113 -87.63417229999998917.8657863 -128.9427663 65.9024363 -46.325578299999989tag:blogger.com,1999:blog-31099716.post-30168483554843980002016-09-15T09:30:00.001-05:002016-09-15T09:33:45.134-05:00Golfsmith Files for Chapter 11 protection due to golf's popularity on the downslide<div style="text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjn2jAlhyNdaZZ9Xd_BleFpi4DVjDuim6c_D67y0PhI7frvjryuvoXKem1U5moAew7-EcdbVfaaTOz3DDlsL2Re2G_pWtUKEbtIgVPvuvYNeJrbVuwt5v5ouWwvz7P7FGM1I74X/s1600/golfsmith.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjn2jAlhyNdaZZ9Xd_BleFpi4DVjDuim6c_D67y0PhI7frvjryuvoXKem1U5moAew7-EcdbVfaaTOz3DDlsL2Re2G_pWtUKEbtIgVPvuvYNeJrbVuwt5v5ouWwvz7P7FGM1I74X/s1600/golfsmith.jpg" /></a></div>
Was it because the masses don't want to emulate the fallen star <a amzn-ps-bm-asin="B00A7QA0Q6" class="amzn_ps_bm_tl" data-amzn-link-id="234abc4038eb801db750de4ca761d4c1" data-amzn-ps-bm-keyword="Tiger Woods" href="http://www.amazon.com/Tiger-Woods-PGA-TOUR-14-Playstation/dp/B00A7QA0Q6/ref=as_li_bk_tl/?tag=leeders-20&linkId=234abc4038eb801db750de4ca761d4c1&linkCode=ktl" id="amznPsBmLink_6480905" rel="nofollow" target="_blank">Tiger Woods</a><img alt="" border="0" height="0" id="amznPsBmPixel_6480905" src="https://ir-na.amazon-adsystem.com/e/ir?source=bk&t=leeders-20&bm-id=default&l=ktl&linkId=234abc4038eb801db750de4ca761d4c1&_cb=1473949764732" style="border: none !important; height: 0px !important; margin: 0px !important; padding: 0px !important; width: 0px !important;" width="0" />? He was often injured and his star tarnished with his off the course escapades. Or was it the economy? Golf is not a cheap sport. Greens fees, cart rental, buying <a amzn-ps-bm-asin="B00Q8I1BX8" class="amzn_ps_bm_tl" data-amzn-link-id="029dbeb0e3d187c1ea2887ce3ff8b83c" data-amzn-ps-bm-keyword="golf club" href="http://www.amazon.com/Callaway-Mens-Strata-12-Piece-Right/dp/B00Q8I1BX8/ref=as_li_bk_tl/?tag=leeders-20&linkId=029dbeb0e3d187c1ea2887ce3ff8b83c&linkCode=ktl" id="amznPsBmLink_8773727" rel="nofollow" target="_blank">golf club</a><img alt="" border="0" height="0" id="amznPsBmPixel_8773727" src="https://ir-na.amazon-adsystem.com/e/ir?source=bk&t=leeders-20&bm-id=default&l=ktl&linkId=029dbeb0e3d187c1ea2887ce3ff8b83c&_cb=1473949794673" style="border: none !important; height: 0px !important; margin: 0px !important; padding: 0px !important; width: 0px !important;" width="0" />s, golf glove, spikes, tees, and the countless <a amzn-ps-bm-asin="B00AI75XFC" class="amzn_ps_bm_tl" data-amzn-link-id="2261a35b75d5e4bf6e8f3e18f272f20e" data-amzn-ps-bm-keyword="golf balls" href="http://www.amazon.com/Wilson-Ultra-Straight-15-Pack-White/dp/B00AI75XFC/ref=as_li_bk_tl/?tag=leeders-20&linkId=2261a35b75d5e4bf6e8f3e18f272f20e&linkCode=ktl" id="amznPsBmLink_651189" rel="nofollow" target="_blank">golf balls</a><img alt="" border="0" height="0" id="amznPsBmPixel_651189" src="https://ir-na.amazon-adsystem.com/e/ir?source=bk&t=leeders-20&bm-id=default&l=ktl&linkId=2261a35b75d5e4bf6e8f3e18f272f20e&_cb=1473949819236" style="border: none !important; height: 0px !important; margin: 0px !important; padding: 0px !important; width: 0px !important;" width="0" />, oh the lost balls. These all may have been factors leading to the chapter 11.<br />
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<a href="http://www.bloomberg.com/news/articles/2016-09-14/golfsmith-files-for-bankruptcy-with-sport-s-popularity-fading">Golfsmith Files Bankruptcy With Sport’s Popularity Fading - Bloomberg</a>:</div>
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<a href="https://chrome.google.com/webstore/detail/pengoopmcjnbflcjbmoeodbmoflcgjlk" style="font-size: 13px;">'via Blog this'</a>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-35683463035846410242016-09-14T14:25:00.001-05:002016-09-14T14:29:13.104-05:00Creditor Can't Claim Piece of NHL Star's Contract | Bloomberg BNAChapter 11 Bankruptcy case. Debtor, <a amzn-ps-bm-asin="B01KN4AKGG" class="amzn_ps_bm_tl" data-amzn-link-id="a33af945a9efcd457f89485df1c54cf1" data-amzn-ps-bm-keyword="jack johnson hockey" href="http://www.amazon.com/Jack-Johnson-Hockey-2010-11-Pinnacle/dp/B01KN4AKGG/ref=as_li_bk_tl/?tag=leeders-20&linkId=a33af945a9efcd457f89485df1c54cf1&linkCode=ktl" id="amznPsBmLink_6054574" rel="nofollow" target="_blank">Jack Johnson</a><img alt="" border="0" height="0" id="amznPsBmPixel_6054574" src="https://ir-na.amazon-adsystem.com/e/ir?source=bk&t=leeders-20&bm-id=default&l=ktl&linkId=a33af945a9efcd457f89485df1c54cf1&_cb=1473881342414" style="border: none !important; height: 0px !important; margin: 0px !important; padding: 0px !important; width: 0px !important;" width="0" /> (NHL'er) had assigned some of his income payments to creditor. Court rules that it was not a valid assignment and struck down under 11 USC sec 552.<br />
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<a href="http://www.bna.com/creditor-cant-claim-n73014446841/">Creditor Can't Claim Piece of NHL Star's Contract | Bloomberg BNA</a>: <br />
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<a href="https://chrome.google.com/webstore/detail/pengoopmcjnbflcjbmoeodbmoflcgjlk" style="font-size: 13px;">'via Blog this'</a>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-32258983550739542942016-09-07T13:45:00.000-05:002016-09-07T13:45:20.375-05:00Burr Ridge Bankruptcy lawyer new office location - free consultation for chapter 7 and chapter 13 bankruptcyI am now scheduling appointments for people looking to file chapter 7 or chapter 13 bankruptcy at our newest location in Burr Ridge, IL , serving the Western and Southwestern suburbs and South part of Chicago.<br />
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Burr Ridge<br />
1333 Burr Ridge Parkway, Suite 200<br />
Burr Ridge, IL 60527<br />
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We are located in the Chicago suburbs with easy access from I-55, I-355, and I-294 about 20 miles from Downtown Chicago<br />
<span style="background-color: white; color: #484848; font-family: "effra w01 regular" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 20px;"><br /></span>Office hours are by appointment. Feel free to call me for a free mini phone consult regarding bankruptcy at 312-346-7400.<br />
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Schedule a free consultation with a bankruptcy lawyer at our Burr Ridge office or any of our other <a href="http://www.leederslaw.com/locations.html" target="_blank">locations</a> today to discuss Chapter 7 and Chapter 13 Bankruptcy.<br />
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Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comLeeders & Associates bankruptcy lawyer, 1333 Burr Ridge Pkwy #200, Burr Ridge, IL 60527, USA41.7562746 -87.911598917.7379951 -129.2201929 65.774554099999989 -46.6030049tag:blogger.com,1999:blog-31099716.post-7218823175326555452016-09-07T13:32:00.000-05:002016-09-07T13:32:50.748-05:00Orland Park Bankruptcy lawyer - new office, free consultationsI am now scheduling appointments for people looking to file bankruptcy at our newest location in Orland Park, serving the South and Southwestern suburbs and South part of Chicago.<br />
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Orland Park<br />
15255 S 94th Avenue, 5th Floor<br />
Orland Park, IL 60462<br />
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<iframe allowfullscreen="" frameborder="0" height="450" src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d134910.05364700174!2d-87.90271794574309!3d41.65316692592026!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x880e3f84ff84e2ed%3A0x50282875543bcff5!2sRegus+Orland+Park!5e0!3m2!1sen!2sus!4v1473272868101" style="border: 0;" width="600"></iframe>
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We are located in the Chicago suburbs, about 25 miles from Downtown Chicago in the I-80 corridor.<br />
We are easily accessible from I-55, I-294, I-80, I-57, and I-355. Our building is the tallest in the south suburbs, so it is easy to find!<br />
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Office hours are by appointment. Feel free to call me for a free mini phone consult regarding bankruptcy at 312-346-7400.<br />
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Schedule a free consultation with a bankruptcy lawyer at our Orland Park office or any of our other <a href="http://www.leederslaw.com/locations.html" target="_blank">locations</a>, today to discuss Chapter 7 and Chapter 13 Bankruptcy.<br />
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Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comLeeders & Associates bankruptcy lawyer, 15255 S 94th Ave, 5th Fl. Orland Park, IL 60462, USA 41.6139933 -87.847692541.613622299999996 -87.848323 41.6143643 -87.847062tag:blogger.com,1999:blog-31099716.post-67501724922779003012016-09-07T12:05:00.004-05:002016-09-07T13:46:35.872-05:00New Hyde Park bankrutpcy office for free bankruptcy consultations with a Chicago bankruptcy lawyerI am now scheduling appointments for chapter 7 and chapter 13 bankruptcy filers at our newest Chicago location.<br />
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Hyde Park, Chicago<br />
5113 S Harper, Suite 2C, Chicago, IL 60615<br />
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<iframe allowfullscreen="" frameborder="0" height="450" src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d28297.117349753484!2d-87.6255452422545!3d41.79883080458125!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x880e296e2713c4ed%3A0x690007a254af8561!2s5113+S+Harper+Ave+%232c%2C+Chicago%2C+IL+60615!5e0!3m2!1sen!2sus!4v1473268170976" style="border: 0;" width="600"></iframe>
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Located on Chicago's South Side, Hyde Park is one of the city's most diverse and unique neighborhoods. Home to the University of Chicago, and just a short walk from the gorgeous Lake Michigan lakefront. <br />
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We are located just off of Lake Shore Drive, our office is close to the Metra Station and not far from the Green Line, so if you don't want to come into the Loop for your free bankruptcy consultation, Hyde Park is a perfect location to meet with me.<br />
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Office hours are by appointment. Feel free to call me for a free mini phone consult for bankruptcy at 312-346-7400.<br />
Schedule a free consultation with a bankruptcy lawyer at our Hyde Park Office or any of our other <a href="http://www.leederslaw.com/locations.html" target="_blank">locations</a>, today.<br />
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Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comLeeders & Associates bankruptcy lawer - Hyde Park - 5113 S Harper Ave #2c, Chicago, IL 60615, USA41.8017343 -87.58911839999996117.7834658 -128.89771239999996 65.8200028 -46.280524399999962tag:blogger.com,1999:blog-31099716.post-55659767265012128642016-08-31T12:19:00.002-05:002016-08-31T12:22:07.257-05:00Get your car back if it was repossessed, or booted or towed for ticketsDid you know?<br />
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In Chicago, I can get a car back by filing a <a href="http://www.leederslaw.com/chapter13" target="_blank">chapter 13 bankruptcy</a> case. If it was taken by your lender or if the city took it for too many unpaid parking tickets, I can help.<br />
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<a amzn-ps-bm-asin="1413322719" class="amzn_ps_bm_tl" data-amzn-link-id="bbe465ba59aa2e00fdbee65ef7311b5f" data-amzn-ps-bm-keyword="Chapter 13" href="http://www.amazon.com/Chapter-13-Bankruptcy-Property-Repay/dp/1413322719/ref=as_li_bk_tl/?tag=leeders-20&linkId=bbe465ba59aa2e00fdbee65ef7311b5f&linkCode=ktl" id="amznPsBmLink_2553184" rel="nofollow" target="_blank">Chapter 13</a><img alt="" border="0" height="0" id="amznPsBmPixel_2553184" src="https://ir-na.amazon-adsystem.com/e/ir?source=bk&t=leeders-20&bm-id=default&l=ktl&linkId=bbe465ba59aa2e00fdbee65ef7311b5f&_cb=1472663885374" style="border: none !important; height: 0px !important; margin: 0px !important; padding: 0px !important; width: 0px !important;" width="0" /> is a repayment plan. You can pay back a portion of your debts (based on your income and assets) over a 3-5 year time frame. You are able to get your vehicle back if a chapter 13 is filed quick enough, Usually it must be filed within 21 days of the vehicle being taken.<br />
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Work on your <a amzn-ps-bm-asin="1441316736" class="amzn_ps_bm_tl" data-amzn-link-id="5049d93e7b93f0b34c0cfa9f2f3cf081" data-amzn-ps-bm-keyword="budget" href="http://www.amazon.com/Home-Budget-Workbook-Eleanor-Blayney/dp/1441316736/ref=as_li_bk_tl/?tag=leeders-20&linkId=5049d93e7b93f0b34c0cfa9f2f3cf081&linkCode=ktl" id="amznPsBmLink_3767067" rel="nofollow" target="_blank">budget</a><img alt="" border="0" height="0" id="amznPsBmPixel_3767067" src="https://ir-na.amazon-adsystem.com/e/ir?source=bk&t=leeders-20&bm-id=default&l=ktl&linkId=5049d93e7b93f0b34c0cfa9f2f3cf081&_cb=1472663942855" style="border: none !important; height: 0px !important; margin: 0px !important; padding: 0px !important; width: 0px !important;" width="0" />, it is the most important thing you can do to make your chapter 13 successful.<br />
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Contact me and I can assist!Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-44432570480209087412016-06-21T11:59:00.001-05:002016-06-21T11:59:44.252-05:00Gov. Rauner: Bankruptcy for CPS Might Be ‘Best Option’Is Bankruptcy right for the Chicago Public Schools? Governor Rauner thinks it could, despite what the experts and history say.<br /><br />
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<a href="http://chicagotonight.wttw.com/2016/06/20/gov-rauner-bankruptcy-cps-might-be-best-option#.V2lyQnoenSg.blogger">Gov. Rauner: Bankruptcy for CPS Might Be ‘Best Option’</a>: Gov. Bruce Rauner renews talk of possible bankruptcy for Chicago Public Schools. How would it work? That and more in a rare one-on-one interview with the governor.<br /><br />
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<br />Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-64931475025424120812016-05-27T09:25:00.000-05:002016-05-27T09:26:12.653-05:00It's OK to run up debt on credit cards.........<span style="background-color: white; color: #1d2129; font-family: "lucida grande" , "tahoma" , "verdana" , "arial" , sans-serif; font-size: 14px; line-height: 19.32px;">Goes against common thought, but it is a well reasoned article. The The key here is that study is looking forward at future lifestyle, not the present tough situation. A better job will benefit the individual more in the long run, so it's ok to run up a bit of debt in the short term while searching for the better job ....(BUT ONLY ON NECESSITIES!! Not luxury items!!) contact me at</span><a href="http://www.leederslaw.com/" rel="nofollow" style="background-color: white; color: #365899; cursor: pointer; font-family: "lucida grande", tahoma, verdana, arial, sans-serif; font-size: 14px; line-height: 19.32px;" target="_blank">www.leederslaw.com</a><span style="background-color: white; color: #1d2129; font-family: "lucida grande" , "tahoma" , "verdana" , "arial" , sans-serif; font-size: 14px; line-height: 19.32px;"> for more discussion.</span><br />
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<span style="font-family: "calibri" , "sans-serif"; font-size: 12.0pt;"><span style="font-family: "times new roman" , "serif";"><a href="http://bloom.bg/1s7FVKp">http://bloom.bg/1s7FVKp</a></span></span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><br />
<span style="font-family: "calibri" , "sans-serif";">The One Time It's OK to
Pile Up Credit-Card Debt</span> <br />
<span style="font-family: "calibri" , "sans-serif";">By Ben Steverman</span> <br />
<br />
<span style="font-family: "calibri" , "sans-serif";">Bloomberg</span> <o:p></o:p>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-8080063204202574892016-02-04T12:10:00.000-06:002016-02-04T12:10:39.965-06:00<span style="background-color: white; color: #141823; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px;">Do you have overdue books to go along with that overdue credit card bill? Well avoid the penalties this next two weeks in Chicago!</span><br />
<span style="background-color: white; color: #141823; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px;"><br /></span>
<span style="background-color: white; font-size: 14px; line-height: 19.32px;"><span style="color: #141823; font-family: helvetica, arial, sans-serif;"><a href="http://www.chicagotribune.com/lifestyles/books/ct-cpl-book-fine-amnesty-0203-20160204-story.html">http://www.chicagotribune.com/lifestyles/books/ct-cpl-book-fine-amnesty-</a></span></span><a href="http://www.chicagotribune.com/lifestyles/books/ct-cpl-book-fine-amnesty-0203-20160204-story.html" style="background-color: white; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px;">0203-20160204-story.html</a>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comChicago, IL, USA41.8781136 -87.62979819999998241.4995241 -88.275245199999986 42.256703099999996 -86.984351199999978tag:blogger.com,1999:blog-31099716.post-48790538443961120182016-01-11T12:00:00.000-06:002016-01-11T12:00:14.762-06:00Still cannot discharge Student loans easily in bankruptcy. Supreme Court declined to hear appeal. No progress for student loans in bankruptcy. It's up to Congress to change the laws.<br />
<br />
<a href="http://www.wsj.com/articles/supreme-court-denies-appeal-on-student-loan-erasure-1452527286?platform=hootsuite">http://www.wsj.com/articles/supreme-court-denies-appeal-on-student-loan-erasure-1452527286?platform=hootsuite</a><br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-12483546652276692002015-11-11T13:37:00.004-06:002015-11-11T13:37:58.463-06:00City of Chicago to offer ticket amnesty program for the first time in 8 years......<div class="_209g _2vxa" data-block="true" data-offset-key="bll0s-0-0" style="background-color: white; color: #141823; direction: ltr; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 18px; position: relative; white-space: pre-wrap;">
<span data-offset-key="bll0s-0-0">Do you have old parking and red light tickets in Chicago? The city is offering an amnesty program, waiving penalties. This is the first time in over 7 years that they are offering such a deal. If you owe for old tickets, take them up on it, they are not dischargeable in <a href="http://www.leederslaw.com/chapter7.html" target="_blank">Chapter 7 </a>bankruptcy cases!</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="f5eph-0-0" style="background-color: white; color: #141823; direction: ltr; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 18px; position: relative; white-space: pre-wrap;">
<span data-offset-key="f5eph-0-0"><br data-text="true" /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="91gss-0-0" style="background-color: white; color: #141823; direction: ltr; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 18px; position: relative; white-space: pre-wrap;">
<span data-offset-key="91gss-0-0">"For the period 11/15/2015 - 12/31/2015, the City is offering a debt relief program for tickets issued prior to 1/1/2012. Penalty and collection costs will be waived for eligible tickets paid during the debt relief period."</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="ch4d8-0-0" style="background-color: white; color: #141823; direction: ltr; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 18px; position: relative; white-space: pre-wrap;">
<span data-offset-key="ch4d8-0-0"><br data-text="true" /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="fo8b7-0-0" style="background-color: white; color: #141823; direction: ltr; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 18px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fo8b7-0-0">https://parkingtickets.cityofchicago.org/</span></div>
Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-61890032551676979152015-11-10T13:08:00.002-06:002015-11-10T13:09:47.829-06:00high income broke debtors... recent trends in bankruptcy<span style="font-family: "calibri" , "sans-serif";"><a href="http://qz.com/520414/the-high-earning-poor/">http://qz.com/520414/the-high-earning-poor/</a></span>
<o:p></o:p><br />
<br />
<span style="font-family: "calibri" , "sans-serif";">Do you earn a decent
salary, but live paycheck-to-paycheck? If so, you are part of a growing segment
of the American population: the income rich-ish…</span><o:p></o:p>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-62985701426877012462015-11-06T11:22:00.000-06:002015-11-06T11:22:00.476-06:00Does Wells Fargo owe you money? <b><br /></b>
<b>Chapter 13 Bankruptcy Debtors who had mortgage loans with Wells Fargo may be getting some compensation for violations that occurred from 2011 to 2015. </b><br />
<b><br /></b>
<b><br /></b>
<div class="first" style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14.04px; line-height: 22.464px; padding: 0px;">
By Suzanne Barlyn</div>
<div style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14.04px; line-height: 22.464px; margin-top: 11px; padding: 0px;">
(Reuters) - Wells Fargo & Co <wfc .n=""> will pay $81.6 million to homeowners for denying them a chance to challenge mortgage payment increases imposed during their bankruptcy proceedings, the U.S. Justice Department said on Thursday.</wfc></div>
<div style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14.04px; line-height: 22.464px; margin-top: 11px; padding: 0px;">
Wells violated a 2011 U.S. bankruptcy law by failing to send a type of legal notice about homeowners' mortgage payment increases to bankruptcy courts. The law requires the notice to include disclosures to ensure that fees and charges by banks to homeowners in bankruptcy proceedings are accurate, the Justice Department said. Read more at:</div>
<b><br /></b>
<b><a href="https://en-maktoob.news.yahoo.com/wells-fargo-pay-81-6-million-bankrupt-u-172552270--sector.html">https://en-maktoob.news.yahoo.com/wells-fargo-pay-81-6-million-bankrupt-u-172552270--sector.html</a></b>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-30856830821055001852015-10-22T11:13:00.001-05:002015-10-22T11:14:41.819-05:00Warning!! Scam Targets Bankruptcy Filers | United States Courts<span class="label-inline" style="background-color: rgba(255, 255, 255, 0.6); box-sizing: border-box; color: #333333; font-family: Roboto, sans-serif; font-size: 16px; font-style: italic; line-height: 24px;">Published on</span><span class="date-display-single" style="background-color: rgba(255, 255, 255, 0.6); box-sizing: border-box; color: #333333; font-family: Roboto, sans-serif; font-size: 16px; font-style: italic; line-height: 24px;">October 20, 2015</span><br />
<div class="field field-name-body" style="background-color: rgba(255, 255, 255, 0.6); box-sizing: border-box; color: #333333; font-family: Roboto, sans-serif; font-size: 16px; line-height: 24px;">
<div style="box-sizing: border-box; margin-bottom: 1em; margin-top: 1em;">
Phone scammers are targeting bankruptcy filers in several states, using personal information from filings and posing as attorneys to get intended victims to immediately wire money to satisfy a debt.</div>
<div style="box-sizing: border-box; margin-bottom: 1em; margin-top: 1em;">
The National Association of Consumer Bankruptcy Attorneys issued a warning that “Under no circumstances would a bankruptcy attorney or staff member telephone a client and ask for a wire transfer immediately to satisfy a debt. Nor would the bankruptcy attorney and staff ever threaten arrest if a debt isn’t paid.”</div>
</div>
Read More:" <a href="http://www.uscourts.gov/news/2015/10/20/scam-targets-bankruptcy-filers">Scam Targets Bankruptcy Filers | United States Courts</a>:<br />
<br />
Please be aware of this scam that is going around to former bankruptcy clients. I've heard of these regarding bad checks, and payday loans. They usually threaten jail, arrest, or immediate suit for non-payment. <u style="font-weight: bold;">IGNORE THESE CALLS. </u>Save all emails and mailings, and provide them to your attorney for possible Fair Debt Collection Practices Act and /or bankruptcy discharge sanction motions. <b>DO NOT PAY THEM</b> Under any circumstances without discussing it with your attorney in person first. Call your attorney directly, do not believe that they are calling from your lawyers office. <br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-47861578351279999312015-08-13T14:45:00.000-05:002015-08-13T14:45:22.482-05:00How to Know When Bankruptcy Is Right for You<div class="MsoNormal">
<b>How to Know When
Bankruptcy Is Right for You <o:p></o:p></b></div>
<div class="MsoNormal">
Before you decide to file for <a href="http://leederslaw.com/bankruptcy.html">personal bankruptcy</a> you should
be aware that it is not necessarily the best choice for everyone. For many
people, bankruptcy should be the last-case scenario only after they have
weighed all of their options and determined that they can’t remedy their
financial woes.<o:p></o:p></div>
<div class="MsoNormal">
Ultimately, the decision to file for bankruptcy should be
made between you and an experienced <a href="http://leederslaw.com/bankruptcy.html">bankruptcy attorney</a>. However,
there are other methods of determining whether you can get the help you need
before consulting with a lawyer and we will outline some of them here.<o:p></o:p></div>
<div class="MsoNormal">
<b>Are You Eligible for
a Debt Management Plan? <o:p></o:p></b></div>
<div class="MsoNormal">
Most people who are financially distressed look to
bankruptcy to alleviate them from credit card debt and help them get a new
start. Before signing the bankruptcy paperwork, sometimes a <a href="http://www.debthelper.com/debt-management-plan/">debt management plan</a>
can help you to reduce your monthly payments, lower interest rates, stop late
fees and collection calls and ultimately put you on a path to avoiding
bankruptcy. <o:p></o:p></div>
<div class="MsoNormal">
If you have not already, see if you are eligible for a debt
management plan before deciding it’s time to throw in your chips. <o:p></o:p></div>
<div class="MsoNormal">
<b>Determine if
Bankruptcy will Actually Help You<o:p></o:p></b></div>
<div class="MsoNormal">
In some cases, bankruptcy will not actually alleviate you of
all your debts. Certain types of unavoidable debts, called priority obligations,
may not be wiped out in bankruptcy. <o:p></o:p></div>
<div class="MsoNormal">
You have to consider what you are trying to accomplish by
filing for bankruptcy and find out if Chapter 7 or 13 will remedy you of your
concerns. As bankruptcy can be complicated, it’s best to consult with an attorney
to address what you are hoping to achieve by filing and if there are other
options. <o:p></o:p></div>
<div class="MsoNormal">
<b>Do You Qualify for
Bankruptcy? <o:p></o:p></b></div>
<div class="MsoNormal">
Personal bankruptcy, Chapters 7 and 13, have certain
eligibility requirements. For instance, if you are going to file for Chapter 7,
you’ll have to have a low enough income. For Chapter 13, your debts can’t
exceed a certain limit.<o:p></o:p></div>
<div class="MsoNormal">
Not everyone qualifies for bankruptcy and debtors’ cases can
be dismissed if they don’t comply with the courts requirements. For this reason
individuals are discouraged from filing without the help of a bankruptcy
professional or bankruptcy attorney; there are simply too many laws and
policies that can be missed that may result in the dismissal of your case or
worse, fraud which results in fines or criminal charges. <o:p></o:p></div>
<div class="MsoNormal">
<b>Is it Time to File
for Bankruptcy? <o:p></o:p></b></div>
<div class="MsoNormal">
If you are looking for the answer of whether or not you
should file for bankruptcy, you should start by asking yourself the above
questions. If you find that you can’t afford a debt management plan, are unemployed
and have no way to pay off any kind of debt, your best bet may be to consult
with a bankruptcy attorney.<o:p></o:p></div>
<div class="MsoNormal">
Ultimately a bankruptcy attorney will be able to help you
explore your options and help you get through what is undoubtedly a stressful
and challenging time in your life.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Author Byline:</b> <o:p></o:p></div>
<div class="MsoNormal">
<a href="http://www.debthelper.com/">Debthelper.com</a> is
an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to our mission
to educate, advise and empower youth to seniors to handle debt, credit and
housing and to provide affordable housing opportunities through the acquisition
and rehabilitation of residential properties.<o:p></o:p></div>
<br />
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.com205 West Randolph Street #1240, Chicago, IL 60606, USA41.884245700000008 -87.63417019999997117.865923200000008 -128.94276419999997 65.9025682 -46.325576199999972tag:blogger.com,1999:blog-31099716.post-39607767802391973382015-01-28T09:47:00.000-06:002015-01-28T09:47:20.986-06:005 simple ways to Avoid Bankruptcy<div style="text-align: center;">
<b><u>5 Simple Ways to Avoid Bankruptcy</u></b></div>
Hi everyone.<br />
<br />
As a bankruptcy attorney, I see so many cases for people who file, who make good money, but bad decisions. It goes against my business model, but as a counselor, I'm going to share with you ways to Avoid bankruptcy! <br />
<br />
<b>1. Make a budget and stick to it. </b><br />
Try this for one week. Write down everything you spend. Everything from that morning coffee on the go, to the magazine subscription, to the cable bill, Netflix, Redbox, and trips to the movies. Don't forget your meals, groceries, eating out, the bar tab etc. You would be surprised on how much you just blow through on insignificant items. Now, make a list of expenses in order of priority. Shelter, food, clothing (necessity only) monthly credit card bills, student loans, medical bills, and so on down the line with the discretionary items at the bottom. Now, look at what you take home as income. Now, redo your list and trim out the items that you don't HAVE to have. Pack a lunch, Bring a mug of coffee from home, eat out once a week, or better, once a month. You can see where you can save money. Now, the hard part, STICK TO YOUR BUDGET! Share your reasons with family and friends and they can accommodate your plans to get out of debt. Movie night in with a group, for instance, is a great way to save money, dine in, and spend time with family and friends all in one! For people that have trouble budgeting, there is a system called the envelope system. Put all your money into envelopes for each expense, and you can spend each envelope until it's gone. IF you need more, you can borrow, but you'll have to make adjustments to your other budget categories! Don't forget to budget in savings as well, never too early to get on that track.<br />
<br />
<br />
<b>2. Don't buy luxury items such as a brand new car. </b><br />
You've heard the phrase "house poor" Don't buy over your head. Buy/rent the right size house or apartment for your needs. (Utility and maintenance costs will reduce too with size). Choose the right, affordable neighborhood. Don't buy a new car! We all know the value drops the second you go off the lot. Do your research and buy a reliable car. Pay cash if at all possible, since these are rapidly depreciating assets. Buy a reliable beater to free up cash. (Have the car checked by a mechanic). You can always move up in car later when you are out of debt. If you must finance, never lease a car either. The cost is just too much, and you get nothing at the end of the lease.<br />
Don't get all the bells and whistles. For instance, do you need that in-dash navigation? 90% of the time you drive, you know where you are going anyways!<br />
<br />
<b>3. Pay your highest interest rate debts first.</b><br />
This will help you pay off the most debt for the lowest price. Even if you have a smaller account, if it has a lower interest, you'll pay less in the long run if you attack the highest interest first. Some people want to clear one account first, and some people need that motivation, This is fine, but to pay the least back, attack the highest interest rate first. <br />
<br />
<b>4. Maximize your income. </b><br />
This may seem obvious, but it is often overlooked. You can always ask for a raise, but be humble about it. Show the employer that you care about the company, and want to move forward, and ask how you can increase your income while doing so. Sincerity goes a long way. You can also look for a part time job. It's short term. Bust your butt and reap the rewards. Keep the big picture in mind. Deliver pizzas, stuff envelopes, be a waiter or waitress. <br />
<br />
<b>5. Cut up your credit cards!</b><br />
It's Obvious. This should be the first step. Stop going further into debt. Cut up the cards. Negotiate better interest rates. Look to refinance your home when the interest rates are low. Talk to your bank and have them close your accounts too once they are paid off. Use your debit card or envelope system to pay your bills. This way you can use all available income to pay down the debt to be debt free as soon as possible.<br />
<b><br /></b>
<b><br /></b>
Bankruptcy is an easy way to get out of debt, but it usually doesn't fix the problem. Fix the problem and you may not even need to file. Feel free to contact me if you do need to file, if there is truly no way out. Best of luck to you!<br />
Terry<br />
<b><br /></b>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.com205 West Randolph Street #1240, Chicago, IL 60606, USA41.884245700000008 -87.63417019999997117.865922700000009 -128.94276419999997 65.9025687 -46.325576199999972tag:blogger.com,1999:blog-31099716.post-82208391789204792392014-08-20T13:43:00.001-05:002014-08-20T13:43:40.314-05:00Chicago Bears in Bankruptcy CourtThe Chicago Bears have filed a proof of claim for an unsecured debt owed them in Edison Mission Energy's Chapter 11 bankruptcy case, claiming that Edison owes them $114,240 for use of an executive suite. Read about the matter here:<br />
<br />
<br />
http://blogs.wsj.com/bankruptcy/2014/08/19/chicago-bears-in-bankruptcy-brawl/Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-58570509189130524762014-08-19T09:30:00.001-05:002014-08-19T09:30:40.757-05:00Study: 1/3 of Americans don't have anything saved for retirementCan you believe it? 1 in 3 Americans have no savings?<br />
1 in 5 nearing retirement age have no savings either.<br />
This does not bode well, especially when they turn to the government for support.<br />
But bankruptcy can help get people back on track.<br />
There are required courses that can help educate debtors after bankruptcy, stressing the importance of saving. Contact me know and I can help you too!<br />
<a href="http://www.leederslaw.com/">www.LeedersLaw.com</a><br />
312-346-7400<br />
Free bankruptcy advice.<br />
Let me lead you to financial freedom.<br />
<br />
Here is the article on the study.<br />
<br />
<a href="https://finance.yahoo.com/news/36--of-americans-haven-t-saved-anything-for-retirement--bankrate-com-163208530.html">https://finance.yahoo.com/news/36--of-americans-haven-t-saved-anything-for-retirement--bankrate-com-163208530.html</a><br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-30317872769929919332014-08-04T11:00:00.001-05:002014-08-04T11:00:20.919-05:00bankruptcy law clerk position available -Job listing<span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">We are a small, loop law firm with an immediate opening, seeking to hire a legal assistant/receptionist/law clerk for our bankruptcy practice.</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">Candidate must be a motivated self starter, be able to pay attention to detail and show initiative.</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">Schedule will be 9-5pm Monday - Friday plus 2 Saturday mornings per month (9-12pm).</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">Job duties include:</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">answering phones</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">scheduling appointments</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">docketing motions</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">bankruptcy petition preparation</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">filing cases </span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">scanning</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">greeting clients</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">copying & mailing motions</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">Must be proficient in MS office - word, excel, outlook as well as adobe acrobat.</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">Must be able to type 70wpm</span><br style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;" /><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">Must have vehicle.</span><br />
<span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;"><br /></span>
<span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">please forward resume and cover letter to info@leederslaw </span><span style="background-color: white; color: #222222; font-family: 'Bitstream Vera Serif', 'Times New Roman', serif;">.com </span>Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-9874036074515412432014-07-29T10:05:00.001-05:002014-07-29T10:05:30.401-05:00Study: 35 percent in US facing debt collectors: Associated Press<a href="http://on-msn.com/1pz4iIj">Study: 35 percent in US facing debt collectors: Associated Press</a><br /><br />
<br /><br />
I can help. Why be part of this group, when a quick<a href="http://www.leederslaw.com/chapter7.html" target="_blank"> chapter 7</a> or a <a href="http://www.leederslaw.com/chapter13.html" target="_blank">chapter 13</a> bankruptcy repayment plan will help?<br /><br />
Call me today and don't be a statistic.<br /><br />
312-346-7400<br /><br />
<a href="http://www.leederslaw.com/">www.LeedersLaw.com</a>.<br /><br />
Chicago, ILAnonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-23915227873782337442014-07-28T10:21:00.001-05:002014-07-28T10:21:13.811-05:0010 year anniversary of Leeders & Associates Bankruptcy law firmToday is the 10th anniversary of Leeders & Associates!<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGqxKQ1ItIKUOjChVREDRNdzDfzSvp49y7F30Jz3dKqOG5I2kozxBmuqe3tNisUTmFiJatVxvvoD1yIu760-PsJuS5IUeyBURe1gWeQY086NGnAXA4pGAHelTc5f4FuqJqKQxd/s1600/leeders.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGqxKQ1ItIKUOjChVREDRNdzDfzSvp49y7F30Jz3dKqOG5I2kozxBmuqe3tNisUTmFiJatVxvvoD1yIu760-PsJuS5IUeyBURe1gWeQY086NGnAXA4pGAHelTc5f4FuqJqKQxd/s1600/leeders.jpg" /></a>In 2004 I started this firm to offer my clients more bang for their buck. I wanted to make sure they received the best service possible, to help them on their way. Clients are more than just an account number. They are people, like you and I. They come to me at a low point, struggling to get by. I wanted to give them a helping hand, and lead them to financial freedom. Bankruptcy was just the tool to do it. I also wanted to be a counselor as well, helping to cure the problem, rather than putting a band-aid on the result. These steps have reaped many referrals, which is the ultimate thanks from my clients, who put their trust in me to get them the results they wanted, and to help them learn how to take the steps forward to prevent these issues from arising again. I hope to expand these services to help clients even more over the next ten years as well. The job is never finished. I have helped over 5000 clients over the last 10 years, and hope to help 5000 or more over the next 10 years!<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgms8DJCLj_eHZ8Mq0AL_-J0eGb18c3jmT57jr61UwK9g1ol-1FgtShM6e5q0S_MEH9QsCo2anpIMcqZzy5Rd9fdhGw3LZM412F0snhM0QRfNLJhdIjA6dXPNu4SYfV5JSvuVzE/s1600/new+initials+logo.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgms8DJCLj_eHZ8Mq0AL_-J0eGb18c3jmT57jr61UwK9g1ol-1FgtShM6e5q0S_MEH9QsCo2anpIMcqZzy5Rd9fdhGw3LZM412F0snhM0QRfNLJhdIjA6dXPNu4SYfV5JSvuVzE/s1600/new+initials+logo.jpg" /></a><br />
Thank you to all of my past and present attorneys, staff, vendors, judges, trustees and colleagues. Without you, this would not have been possible. Thank you to my wife and children, my parents, my brother, and all my friends and family for all of your love, support, assistance, and patience! Thank you to my clients as well. Sometimes it was easy, sometimes it was rough, but here's to another great 10 years. Thanks<br />
<br />
<br />Terry<br />
312-346-7400<br />
<a href="http://www.leederslaw.com/">www.LeedersLaw.com</a><br />
<a href="http://www.facebook.com/leederslaw">www.facebook.com/leederslaw</a><br />
<a href="http://www.chicagobankruptcynetwork.com/">www.chicagobankruptcynetwork.com</a><br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-28556999926884681042014-07-23T16:31:00.003-05:002014-07-23T16:31:51.173-05:00Payday loans - stop wage assignmentsDid you know that a Chapter 7 or Chapter 13 can stop a wage assignment?<br />
Did you know that I, as your bankruptcy attorney can stop a wage assignment even without filing your case?<br />
Credit unions, payday loans, and internet loans to name a few, often make debtors sign voluntary wage assignments so that they can take money from the consumers' paycheck in the event they fail to make the installment payments.<br />
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I can stop this! <br />
It's true!<br />
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<div align="left" class="MsoBodyText2">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; letter-spacing: 0pt; mso-bidi-font-size: 10.0pt;">Pursuant to the Federal Trade Commission Trade Regulation
Rules 16 CFR (I)(D) 444.2. The FTC Trade Regulation, in relevant part
provides that:<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; letter-spacing: 0pt; mso-bidi-font-size: 10.0pt;">In connection with the extension of credit to consumers in
or affecting commerce, as commerce is defined in the Federal Trade Commission
Act, it is an unfair act or practice within the meaning of Section 5 of that
Act for a lender or retail installment seller directly or indirectly to take or
receive from a consumer an obligation that: <o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(3) Constitutes or contains
an assignment of wages or other earnings unless: <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(i) The assignment by its
terms is revocable at the will of the debtor, or <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(ii) The assignment is a
payroll deduction plan or preauthorized payment plan, commencing at the time of
the transaction, in which the consumer authorizes a series of wage deductions
as a method of making each payment, or <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(iii) The assignment applies
only to wages or other earnings already earned at the time of the assignment. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Therefore, We can send certain revocations to your payroll and to your creditor to stop the deductions. </span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">The creditor can then take other steps to collect, but these are thwarted upon filing of the bankruptcy chapter 7 or chapter 13 case.</span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><br />Call me today if you need help stopping a wage assignment. 312-346-7400 and let us lead you to financial freedom! <a href="http://www.leederslaw.com/">www.LeedersLaw.com</a></span></div>
Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.comtag:blogger.com,1999:blog-31099716.post-67005972513070386902014-07-22T12:27:00.001-05:002014-07-22T12:27:24.856-05:00Northern District of Illinois Bankruptcy Filing Statistics - 2014 Year to dateSo far, in 2014 there have been 29,052 bankruptcy cases filed in the Northern District of Illinois<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgou8HMinZ8eRWLkGeftU_XPwyQg6oXipUiQqKHa1iZkPerb9XTuCh5qE6F47bnSVPyPGeg-QQQfnOoyT4UeTgqWKZF79tCNcKUrtt8C64iIHIif6yLxeogYG-hLFdJdVN1DZZN/s1600/chicago+bankruptcy+skyline.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgou8HMinZ8eRWLkGeftU_XPwyQg6oXipUiQqKHa1iZkPerb9XTuCh5qE6F47bnSVPyPGeg-QQQfnOoyT4UeTgqWKZF79tCNcKUrtt8C64iIHIif6yLxeogYG-hLFdJdVN1DZZN/s1600/chicago+bankruptcy+skyline.jpg" height="59" width="320" /></a>Compared to this time last year, when 31,754 cases were filed, down, almost 9%.</div>
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Adversary proceedings were down from 1064 to just 610 this year, over 42%.</div>
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11,120 (38%) of these cases were for debtors living in Chicago, followed by 592 in Rockford, 536 in Aurora, 452 living in Joliet, 289 from Plainfield, 281 in Elgin, 280 in Bolingbrook, 271 in Calumet City, 246 in Waukegan, 238 in Naperville, 232 in Dolton, 226 in Berwyn, and 211 in Des Plaines. </div>
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The remaining cities were each all below 200 filings.</div>
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A full list of <a href="https://tdi.ilnb.uscourts.gov/wwwroot/Statistics/" target="_blank">bankruptcy filing statistics can be found here. </a></div>
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Good news! I file cases for consumers in all of these cities! Contact us for a free consultation to discuss your individual cases! 312-346-7400</div>
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<a href="http://www.leederslaw.com/">www.LeedersLaw.com</a> Contact us today, and we will lead you to financial freedom.</div>
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Anonymoushttp://www.blogger.com/profile/17528842211150752210noreply@blogger.com205 West Randolph Street #1240, Chicago, IL 60606, USA41.884245700000008 -87.63417019999997117.86598170000001 -128.94276419999997 65.90250970000001 -46.325576199999972