Unauthorized practice of law is an offense that is sometimes committed in bankruptcy. When it happens it is rarely intentional on the part of the debtors. In fact I personally never seen a person or organization prosecuted for this at any level. That is significant because I started my career as a city prosecuting attorney,…
Cleveland Area Bankruptcy Attorney Who Gets People Out Of Debt
Category Archives: Chapter 7 Bankruptcy
Location Independent Law Office
My location independent law office protects you. Why? Very recently the law firm of a very close friend suffered disaster. For some unknown reason, one of the exterior walls of the office building cracked and the bricks crashed into the street. True to form, the local city government jumped into action. They posted signs on…
How Long the Automatic Stay Lasts in Chapter 7 Bankruptcy
You file for Chapter 7 bankruptcy to get a discharge of your debts. You’re worried about how long it’s going to take for the case to go through the court system because you want to be rid of the problems as quickly as possible. The good news is that, in most cases, filing the case…
Bankruptcy Mill. One Size Fits None
Bankruptcy mill attorney ads are all over television. They bring you in, and churn your chapter 7 case through. Are your personal finances unique? Are they different from your neighbor? That is not how one Cleveland bankruptcy mill views you. How do I know this? Recently Cleveland bankruptcy attorney William Balena has had a number…
How To Borrow From 401k To File Bankruptcy
What happens if you borrow too much money from your 401k to file bankruptcy? A client recently created this problem. She desperately needed to file a chapter 7 as the result of a very large garnishment. With the garnishment, she was unable to come up with the money to file bankruptcy to stop the garnishment. …
5 Steps to Rid Yourself Of Debt Without Bankruptcy, Really?
Avoid bankruptcy in 5 steps. That is what the Finance Talking Hub says is a recent blog post. The person posing this question wants to start a business, but they do not want to file bankruptcy. I can handle that. In reality who wants to file if they don’t have to? None of my clients…
3 Things The Signature Declaration Does
Your signature declaration is the most important form Cleveland bankruptcy attorney, William Balena will file with the court for you. You probably wonder, “How can a paper that is not part of the petition package be so important?” Cleveland bankruptcy attorney, William Balena will file your bankruptcy case electronically over the internet. When I do…
Cleveland Bankruptcy Attorney
I am a Cleveland bankruptcy attorney. You have seen various places on this site that I refer to myself as such. You probably have seen that my office is located in the heart of downtown Elyria. When you first found my site you likely searched with some geographical limitation. In their extreme wisdom and benevolence,…
3 Easy Ways To Get Your Tax Return Or Transcript
Here are 3 easy ways to get your tax return or tax account transcript. I need your tax return to file a chapter 7 or a chapter 13 bankruptcy. This mean your most recently filed tax return. Hopefully you are current in your tax filings. If not, you will have to come clean to finish…
Case Closed Without Discharge? 5 Things To Do Now.
Your bankruptcy case has been closed without a discharge. How did this happen? What do you do now? In their infinite wisdom and as a gift to the credit card lobby Congress created a requirement that you complete a financial management course before you can get a discharge in bankruptcy. This applies in both chapter…