The amount with which bankruptcy affects your credit depends mostly on how good your credit was before you filed for bankruptcy. If you have a high debt-to-asset ratio and are delinquent on accounts before you apply for bankruptcy, then your credit is already extremely poor. Ultimately, creditors do not like to see a bankruptcy listed on your credit report, and both Chapter 7 and Chapter 13 bankruptcies stay on your credit report for up to 10 years.

Chapter 7 bankruptcy (the most common type of personal bankruptcy) typically takes 4 – 6 months. Chapter 13 bankruptcy, on the other hand, usually takes 3 – 5 years.

Once a creditor is made aware that you have filed for bankruptcy, they must immediately cease all collection efforts. Once you have filed your bankruptcy petition, you can either wait the few weeks until the court mails the notice out to your creditors or you can directly contact your creditors and provide them with your case number.

Yes. Approximately 30-40 days after you have filed the bankruptcy petition you will be required to attend a hearing, referred to as the First Meeting of Creditors. After this initial meeting you usually are not required to return to court unless a creditor or United States Trustee files a motion or adversary action.

From time to time this happens. It may be because you don’t have a solid enough case against the party, or the attorney may have a conflict of interest that prevents them from taking the case. Find out specifically why they refused your case.

Usually, if you win the case, the party that breached the contract will be ordered to pay the attorney and court fees, unless the terms of the contract provide otherwise. However, you must be willing to pay the fees in case you fail to win your breach of contract case.

No state requires that a child custody be awarded to the mother without looking at the fitness of both parents. The majority of states require their courts to determine custody based on what is in the best interest of the child, without regard to the parent’s gender.

You need to draw up an agreement between you and the child’s other parent and present this agreement to a local court for a judge to approve it. The agreement does not have to be in formal legal jargon but it does need to have the most important points included in it and also needs to be signed in front of a notary public.

The Miranda rights are the rights that a person being accused of a crime has during police questioning and they include the right to remain silence and the right to an attorney. If you cannot afford an attorney then an attorney must be provided free of charge.

If you are concerned about a potential criminal charge you should call a professional bondsman in your state and ask them to find out information about a possible warrant.

You may not have to go to court if the divorce is uncontested and a marital settlement agreement is filed. However, it is always possible that the court could request a hearing (formal or informal).

This decision is up to the parents themselves, if they can come to an agreement on custody. If parents in a child custody dispute are not able to negotiate an agreement, the custody decision is made by a family court judge. The factors that influence the judge’s decision include what is in the child’s “best interests,” which parents has been the child’s “primary caretaker,” and the child’s preference (if they are old enough).

In the majority of DUI cases, you will lose your driving privilege at least temporarily. If you are a first time offender, you will likely get your driving privileges restored after approximately 90 days. If you have prior DUI convictions you could potentially have your license suspended for at least one year or possibly revoked.

You can count on a DUI staying on your record for at least 5 years, but the laws for this vary by state. In some states, having any prior DUI conviction on your record can affect your sentencing, no matter how many years have passed.

A first time DUI offense is usually charged as a misdemeanor, rather than a felony. However if your DUI was related to an accident that caused someone to be injured, the charge could be raised to a felony.

As soon as you are aware of the fraud you should immediately contact the three major credit reporting agencies (Equifax, TransUnion, and Experian) to put a fraud alert on your credit profile.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are a victim or a potential victim of identity theft. Additionally, your credit cards and bank accounts often have options such as setting up fraud alerts and security freezes. It’s best to contact your financial institutions immediately upon suspicion of identity theft or fraud.

A split refund allows you to divide your refund in any manner you chose and have that refund directly deposited to up to three different accounts with U.S. financial institutions. You should use Form 8888 (Allocation of Refund) to have your refund split.

Earned Income Tax Credit is a refundable credit that is available to certain individuals and families with low to moderate levels of earned income. To qualify for EITC, you must meet certain requirements and file a tax return, even if you do not owe any taxes.

Under the Civil Rights act of 1964 an employer who has 15 or more employees cannot fire you because you are pregnant. In addition, your employer must permit you to continue working for as long as you are able. There are some states with laws that cover employers with less than 15 employees, and that information is available via the Women’s Bureau Office.

Additional pay is a matter of agreement between the employer and the employee. Although the FLSA does not require additional pay for weekend or night work, it does require that covered, nonexempt employees be paid no less than time and a half of the employee’s regular rate if they work more than 40 hours in a workweek.

Almost any type of passenger vehicle is covered by the Lemon Law. This means that cars, trucks, vans, motorcycles and many other types of motor vehicles are usually covered under the Lemon Law. For boats, ATVs, RVs and items that may not covered by the strict definitions of the State Lemon Law, other State and Federal Lemon Laws are available which do cover these products.

There is a misconception that you must bring your case within a very short period of time because some State Lemon Laws require that you first report the problem within a certain period after the delivery of the vehicle to you (sometimes known as the “Presumption Period” or “Repair Period”). However, this does not mean you have to bring your lawsuit within that time frame, although the sooner you do so the better in most instances.

The statutes of limitations for medical malpractice cases are set by state law and generally range from 1 – 7 years. It’s important to note that the window of opportunity for filing a medical malpractice lawsuit depends on the circumstances of the alleged malpractice.

It depends on what was done or not done and many states have special procedures and solutions for nursing home issues. Some states have even adopted a special “bill of rights” for nursing home residents.

The most common kinds of personal injury cases are road traffic accidents, assault claims, accidents at work or at home, tripping accidents, and product liability claims.

Compensatory damages include money for medical care, lost wages, and pain and suffering. Punitive damages are to penalize the defendant and whether or not punitive damages will be ordered varies depending on the particular case and the state laws.

You will want to determine what items or property are included in the sale of the home, verify there are no claims or liens against your property, and consider the lowest price you’d be willing to accept.

A due on sale clause is a provision in the mortgage or deed of trust that requires the entire outstanding debt to be immediately payable upon sale of the property.

Income tax is a government tax that is imposed on individuals (taxpayers) and income tax varies with the income (profits) of the taxpayer. Details can vary widely by jurisdiction and each state has their own income tax website. Income tax is usually calculated as the product of a tax rate multiplied by the taxpayer’s taxable income. Taxable income usually only includes net gain and credits, such as donations to charity, can be allowed to reduce tax. If you are to pay your taxes late, you are subject to significant penalties including fines and jail time, so securing legal assistance is strongly recommended.

Property tax is tax on property (land, house automobile, etc.) that the owner of that property is required to pay. Depending on the governing authority, property tax can be paid to a national government, a federated state, a municipality, or a country. Rent ant mortgage tax, on the other hand, is paid based on the percentage of the rent or mortgage value. The four broad types of property include land, improvements to land (immovable man-made objects, ex: buildings), personal property (movable man-made objects), and intangible property. The term “real property,” or “real estate,” refers to the combination of land and improvements.

Payroll tax is a tax that is imposed on employers and employees. Payroll tax is usually calculated as a percentage of the salaries that employers pay to their employees and generally falls into two categories. These two payroll tax categories are deductions from an employee’s wages and taxes that are paid by the employer based on the employee’s wages. Deductions from an employee’s wages are taxes that employers are required to withhold, whereas taxes that are paid by the employer based on the employee’s wages are paid from the employer’s own funds. Ultimately, the burden of payroll tax falls on the employee, as the employer’s share of payroll taxes is passed onto employees.

Estate tax is a tax that is imposed on the transfer of the taxable estate of someone who is deceased, usually in the form of an inheritance. For more information on estate planning or for information on the preparation of wills, estates, and/or trusts, see our associated webpages.

If the two parents can agree on a parenting plan and visitation schedule you can submit it to the court for approval. It’s a good idea to put a provision in the agreement that states that as long as you write down changes and you both sign off on them, they are enforceable just like the original court-approved order.

All 50 states have a “grandparent visitation” statute in which grandparents can ask the court to grand them the legal right to maintain their relationship(s) with their grandchildren. The specific details of such visitations vary greatly by state, and all courts give preference to the parent’s wishes in regards to grandparent visitations.

The purpose of a living will is to provide healthcare instructions in advance (such as whether or not life support is desired), whereas the purpose of a last will is to distribute assets after a person’s death.

A Power of Attorney (POA) is a legally enforceable document in which you can authorize another person(s) to act on your behalf in the event that you are unable to do so.