Sunday, September 23, 2012


Because of our poor economy nationally and in Michigan many families have economic problems. Do you? Having  problems paying your debts? Is your family  threatened with garnishment, foreclosure or repossession? If yes you are not alone. see

We are a debt relief agency helping you as a Flint Bankruptcy Lawyer h file and get relief.

Bankruptcy is a way to deal with these problems.

You Did  know you have the right under federal law to file for bankruptcy relief from your creditors.

The theory of Bankruptcy is that it is a legal proceeding in which a person can get a fresh financial start. Do you need as fresh start?

Try to pay your bills before filing bankruptcy because you can do so only once every six years. In most cases, you will want to save this valuable option until you really need it. Also, you may not need to file bankruptcy even though creditors are threatening you because you may have no nonexempt property or wages.

This means you have nothing the creditors can take from you. You can't be put in jail for failing to pay your civil debts (other than fines or other court ordered amounts).

Some things bankruptcy can do:

  • Eliminate the legal obligation to pay most or all of your debts. This is called a "discharge" of debts.
  • Stop foreclosure of your home and allow you to catch up on missed payments.
  • Stop repossession of a car or other property, or, in some situations, force the creditor to return property even after it has been repossessed.
  • Stop wage garnishments.
  • Stop debt collection harassment.
  • Restore or prevent termination of utility service for nonpayment of previous bills (you will probably have to pay a deposit, but the deposit cannot be more than 1-1/2 to 2 times your previous regular bills according to the Arizona Administrative Code).
  • Get your drivers license back if it has been suspended because you didn't pay court-ordered damages for a driving accident (unless you were driving under the influence of drugs or alcohol).
Some things bankruptcy can't do
  • Eliminate certain rights of secured creditors. Some examples of secured debts are car loans and home mortgages. You can force secured creditors to take payments over time, but generally, you cannot keep the collateral unless you continue to pay the debt.
  • Discharge debts that arise after the bankruptcy has been filed.
  • Discharge certain types of debts, such as child support, alimony (spousal maintenance), certain other debts related to divorce, most student loans, court restitution orders, criminal fines, and most taxes.
  • Eliminate the obligation of a co-signer on your loan in most cases.

Chapter Seven Bankruptcy  is  known as a "fresh start" bankruptcy, or "liquidation". Your debts are discharged (canceled), but you must give up any nonexempt property to the trustee to pay to your creditors. You can keep secured property if you are current on the payments and continue making the payments regularly.

When you file for bankruptcy you will not be alone.

In Chapter 7 bankruptcy, the trustee must take your nonexempt property and use it to pay your creditors.Most debtors in Genesee County because of our loss of residential value keep all of their possessions that are not encumbered by a  loan or mortgage.  

If you have property, which is non-exempt, you could sell it before filing bankruptcy and use the money to purchase things, which are exempt; such are food, furniture, or clothing. However, you cannot give property away to friends or relatives, and have them give it back to you after the bankruptcy. Any transfers of property without receiving fair value for it within one year before filing bankruptcy are called a fraudulent transfer. The property could be taken by the bankruptcy court and sold to pay some of your debts. If the court finds you have been dishonest in your bankruptcy, you could be denied your discharge. You could also be charged with federal or state crimes, which carry serious fines and jail sentences.

Also, you cannot prefer one creditor over another by making payments on the debt within 90 days before filing bankruptcy (one year if the person paid is an "insider" (family, friend, etc.) If you do so, the bankruptcy court can take that money away from the person you paid. This is to insure that all creditors are treated equally. This does not apply, however, to regular monthly payments such as your car payment, house payment, rent, utilities.

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Good Morning Flint!- WE DID NOT MAKE THAT MOVIE! But we should try to understand the reaction.

We did not make that movie!
We did not make that movie. An individual made that movie.  We are not an enemy of any religion or you.
What do we do now. Say we are sorry and try to understand what the reaction is all about? 
 Should we should recognize the world has a diversity of opinions, beliefs and religions.
What should we do after we bury our dead?
I think we have to understand the deep roots in a society much different from ours of the Prophet Muhammad.
I think we should say we are sorry for the act of an individual that has insulted a significant portion of the worlds population and a civilization thousands of years older that ours.

Facebook Friend Greg Gibbs said "I'm for recognizing the world has a diversity of opinions beliefs and religions, allowing each individual to do the same, opposing laws that would force others to agree with an opinion or belief they don't hold, and enforcing laws punishing those who harm others because of their opinions, beliefs and religions.

Facebook friend Steven Shelton said "  Part of what has come from this is an opportunity for Americans to learn about the culture of the United States, and for people in Asia and the Middle East to get an education about the Western concept of free speech. The Obama administration has taken a few steps toward doing that by running commercials in those countries explaining that the U.S. did not make the movie and does not have the ability to stifle it: Of course, I doubt that many people on either side will actually take advantage of the opportunity this presents, but . . . ."
I am sorry others were offended.  Now what? What do you think?

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