http://ohiobankruptcysource.com Cleveland Area Bankruptcy Attorney Who Gets People Out Of Debt Thu, 17 May 2012 11:00:54 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 http://ohiobankruptcysource.com/chapter-13-pay-order-fail/ http://ohiobankruptcysource.com/chapter-13-pay-order-fail/#comments Tue, 15 May 2012 18:08:53 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2782 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } A failure to follow a chapter 13 pay order is something I have witnessed twice within the past year.  On one occasion it was on the debtor, and the other time it was on the employer. In each instance there was a confirmed plan and a pay order in effect. In one situation the employer... Related posts:

1. Chapter 13 Pay Order in Cleveland
2. Employer Not Deducting Enough For Pay Order
3. 401k Payroll Deduction To Reduce Chapter 13 Plan Payment

]]> http://ohiobankruptcysource.com/chapter-13-pay-order-fail/feed/ 0 http://ohiobankruptcysource.com/z-for-zero-pay-plan/ http://ohiobankruptcysource.com/z-for-zero-pay-plan/#comments Thu, 05 Apr 2012 14:51:30 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2710 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } A fee only chapter 13 plan is one in which there is zero or very little money to pay creditors in a chapter 13 plan. It is not to be confused with a zero percent plan where secured and priority creditors are paid, but general unsecured creditors get nothing. Why would anyone propose such an... Related posts:

1. 5 Ways To Pay For Bankruptcy With Active Garnishemnt
2. 401k Payroll Deduction To Reduce Chapter 13 Plan Payment
3. Chapter 13 Pay Order in Cleveland

]]> http://ohiobankruptcysource.com/z-for-zero-pay-plan/feed/ 0 http://ohiobankruptcysource.com/401k-payroll-deduction-reduce-chapter-13-plan-payment/ http://ohiobankruptcysource.com/401k-payroll-deduction-reduce-chapter-13-plan-payment/#comments Fri, 10 Jun 2011 19:22:19 +0000 Bill Balena http://ohiobankruptcysource.com/?p=1769 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } You can use your 401k payroll deduction to reduce your chapter 13 plan payment dollar for dollar. It may be hard to believe, but you may be part of the community who has excess income for bankruptcy purposes. Excess income is determined in the following ways: The good-faith income test In a chapter 13 the... Related posts:

1. 10 Tips To Start Your Converted Chapter 13 Right
2. Bankruptcy Lets You Keep 401k
3. Chapter 13 Pay Order in Cleveland

]]> http://ohiobankruptcysource.com/401k-payroll-deduction-reduce-chapter-13-plan-payment/feed/ 0 http://ohiobankruptcysource.com/remove-mortgage-with-chapter-13/ http://ohiobankruptcysource.com/remove-mortgage-with-chapter-13/#comments Thu, 15 Jul 2010 14:58:23 +0000 Bill Balena http://ohiobankruptcysource.com/?p=877 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Chapter 13 bankruptcy is still a real and viable way to save your home.  At this time the bankruptcy courts do not have the legal authority to do a loan modification for your primary residence.  However that is not the case for second mortgages, third mortgages or equity lines of credit.  I am not talking... Related posts:

1. Streamlined Mortgage Loan Modification Approval in Cleveland Chapter 13 Cases
2. How Long Can I Stay In My House During Foreclosure?
3. File Chapter 7 Six Years After Chapter 13

]]> http://ohiobankruptcysource.com/remove-mortgage-with-chapter-13/feed/ 3 http://ohiobankruptcysource.com/dismiss-chapter-13-for-lack-of-feasibility/ http://ohiobankruptcysource.com/dismiss-chapter-13-for-lack-of-feasibility/#comments Wed, 31 Mar 2010 02:39:25 +0000 Bill Balena http://ohiobankruptcysource.com/?p=552 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Lack of Feasibility: The New Chapter 13 Wrinkle Feasibility issues.  The Chapter 13 Trustee for the Cleveland division of the bankruptcy court has increasingly been filing motions to dismiss confirmed chapter13 cases.  The latest issue:  the plan is not feasible.  What on earth does this mean?  For a plan to be confirmed in a chapter... Related posts:

1. Chapter 13 Can Be Dismissed
2. 401k Payroll Deduction To Reduce Chapter 13 Plan Payment
3. Chapter 13 Pay Order in Cleveland

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