tag:blogger.com,1999:blog-18631172958010602082024-03-13T09:18:14.362-07:00Charles L Basch II, AttorneyTHE VIRTUAL LAW OFFICE. DEBTOR AND CREDITORS RIGHTS
313-343-9930debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.comBlogger26125tag:blogger.com,1999:blog-1863117295801060208.post-63584964886097473772023-06-19T09:34:00.001-07:002023-06-19T09:34:36.841-07:00Basic Bankruptcy<p><span style="color: red;"> The Law Office of Charles L Basch II is running a special through the end of the month for a basic chapter 7 bankruptcy* a flat fee of $1,000.00 including the filing fee! That is a huge savings but only through the end of the month! </span></p><p><span style="color: red;"><br /></span></p><p><span style="color: red;">Call or text today 1-586-943-9211</span></p><p><span style="color: red;"><br /></span></p><p><span style="color: red;">*<span style="font-size: xx-small;">After a full and complete analysis. This fee only applies after the full analysis, and extra or complex issues are subject to rate increase based on the nature of the issues presented. The consultation is free. There is no obligation. And terms are subject to change. </span></span></p>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-32122129449823793182022-05-16T10:49:00.001-07:002022-05-16T10:49:33.190-07:00LIFE AFTER BANKRUPTCY<p><span style="color: #2b00fe;">So you've finally been discharged from your bankruptcy, and now you
are free to do whatever you want again. The world is your
oyster!</span></p><p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #2b00fe;">But before you grab a bucket and head for the
beach, there are a few things you need to know. First of all, a
bankruptcy discharge is not a license to shop. That itch to celebrate
your newfound freedom might almost impossible to ignore, but if you
want to stay debt-free, you are going to have to lay low for awhile,
especially in the three months after your discharge.<br />
<br />
Here's
why: you probably feel like you've been in debt forever, but you're
not the only one who knows it. Credit card companies have caught the
scent too, and chances are you're getting applications left, right
and center these days. Talk about tempting! The best thing you can do
is to throw those applications right into the recycle bin, regardless
of how much this or that company says they want to help you rebuild
your credit. The truth is they don't want to help you rebuild; they
want to help you get back in the position that caused you to go
bankrupt in the first place.<br />
<br />
Those 'high-risk' cards come
with a lot of caveats - the fee you pay to get the card, for
instance. Some cards will actually charge you for the card by placing
it on your card. So if your card has a $100 limit and it cost you $75
to get, guess what? You only have $75 in credit. Go over that, and
get ready for some nasty fees.<br />
<br />
So how can you get your
life back to normal? Before you do anything else, you have to change
your spending habits. Really think about the cost and quality of
things and put yourself in control. For example, is it really worth
it to buy that brand-name bread when the store brand is just as good
and costs a dollar less? It's a small-scale example, but if you can
apply that kind of thinking in baby steps, pretty soon you'll be able
to apply it to everything you buy, no matter how large. So clip
coupons, try to buy when things are on sale, and don't go hog wild
when you do buy.<br />
<br />
Second, prioritize your bills. Your most
important, must-pay-on-time bill every month should be your rent or
mortgage. It's your shelter, and without it, handling anything else
that comes your way becomes a lot more difficult. Your utilities are
next, because you have to be able to cook and store your food. Your
third most important bill might be the telephone, the fourth your
cable TV or satellite, and so on. Take an average of how much of your
pay check goes for rent/mortgage and bills. Then, set aside a little
bit of each check to put toward each bill. It might be tedious, but
trust me; it will be worth it once you get into the flow.<br />
<br />
The
third thing you have to do is save up $500, doing the same as you've
done for your bills - take a bit out of each pay check. Only this
time, open a new account. Once you've saved $500, run to your nearest
bank and request a secured bank loan for that amount. The bank should
have no problem granting your request, as the money's already there.
For the next 90 days, make your payments on time, every time. You
will be amazed at how much faster this will build your credit than
those high-risk cards!<br />
<br />
If you have to use credit, why not
do so to your advantage? Here's how: purchase an item that's on sale
with your credit card. Then, when your credit card bill arrives, pay
the item off in full. That's it! You get to enjoy your new item for a
month before you have to pay for it. If you can stick to this, your
credit will have nowhere to go but up.<br />
<br />
By applying the
above tips, your credit will be given a boost at a time when you need
it the most - in the first 3 or 4 months after a bankruptcy
discharge. You've been given a second chance. Don't give up - you can
do it!</span></p><p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #2b00fe;"><br /></span></p><p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #2b00fe;">313-343-9930 or email at debtfreedetroit@gmail.com</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><br />
</p>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0Sterling Heights, MI 48312, USA42.562608 -83.003907514.252374163821152 -118.1601575 70.87284183617885 -47.8476575tag:blogger.com,1999:blog-1863117295801060208.post-7639068705141119612022-03-14T07:11:00.001-07:002022-03-14T07:11:49.965-07:00Bankruptcy Tips - Some Rebounding Tips After Bankruptcy - Part #1<p><span style="color: #999999;">So you have filed for bankruptcy. What’s the next step? At first
blush, you are full of ideas on how you are getting a fresh start.
You have freed yourself from almost all of your debts and you are,
for all intents and purposes (financially, at least), a new person.
But note that by filing for bankruptcy, you had to pay a dear price.
In exchange for a discharge of your debts and stopping your creditors
from pursuing any collection actions against you, your credit rating
took the brunt of the blow. Considering how your credit rating was
probably not all that great to begin with, this recent hit is going
to be an easy one to recover from.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">Let’s start with
the bad news:</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">• The bankruptcy
will stay on your credit report for up to 10 years.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">• To lenders, you
would seem a bad risk because you have legally written off at least
some of your past debts.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">• As a
consequence, you may not be able to get a loan or a credit card for
some time after the bankruptcy.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">• And if you do
get lucky and get approved for credit, the interest rates and fees
attached will be rather punishing.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">The silver lining?
Think positive. It is good that you are restricted from getting new
credit. Credits were what you got bankrupt in the first place. They
will have no difficulty getting you in that place...again. Now, for
the rebounding tips to help you climb back up from the pits of
bankruptcy:</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">Lead a Frugal
Lifestyle: Common sense dictates that you lead a simpler lifestyle
properly slimmed-down, no frills attached. In other words, be frugal.
If you filed under Chapter 13, it means that you have signed up for a
repayment plan to pay off some of your debts. The purpose of Chapter
13 is to allow debt reorganization so that you can continue holding
on to your properties and other assets in exchange for obliging
yourself to pay your debts for a certain number of years. The bottom
line, therefore, is that you are still in debt, albeit, you may only
pay a portion of the total debt to your creditors.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">The usual period
given by bankruptcy courts with which you can pay off your debts is
within three to five years. During this time, the court allows you
only a set amount to live on while the court-appointed trustee
divides the rest among your creditors each month. What does this mean
to you?</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">As we earlier said,
it means a no-frills lifestyle. No luxuries whatsoever, except those
exempted under the law. And sometimes, just sometimes, it may also
mean changing your basic expenses, such as how much you pay for
shelter and groceries every month. You may even have to move to a
cheaper apartment or a more low-end neighborhood just so you can get
by with the amount the court allows you. Suffice to say that getting
new credit will be a difficult feat, if not downright impossible. So
you can forget about getting a new credit card or a car loan. Or at
least, getting it the easy way. Besides, you can’t take on a new
debt without the court’s permission anyway, and getting that means
adding an awful lot of complexity in your life.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">So how do you go
about with barely anything to tide you over through the hard times
ahead? It’s simple really – make a budget. Better yet, keep a
close watch on your expenses for three months and make a budget based
on any observations you have made on your spending habits.
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">Track your expenses
for three months to get an idea of how much you’re spending and
where that money is going. Then create a realistic budget that fits
within your monthly income, he says. 'The first step to saving is to
set boundaries on your spending. And after making a budget, stick to
it. That’s the most important part.</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;"><br />
</span></p>
<p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #999999;">You can do it, and I
am always here to help. <a href="mailto:debtfreedetroit@gmail.com">debtfreedetroit@gmail.com</a>
or 313-343-9930</span></p>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-25739418764202472332021-10-16T04:53:00.000-07:002021-10-16T04:53:08.778-07:00Foreclosures On The Rise!<style>0</style><p> <a href="https://www.freep.com/story/money/business/michigan/2021/10/16/foreclosures-rise-pandemic-era-mortgage-bailout-programs-expire/8440375002/">https://www.freep.com/story/money/business/michigan/2021/10/16/foreclosures-rise-pandemic-era-mortgage-bailout-programs-expire/8440375002/</a></p>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-9491378546406811622021-07-06T09:54:00.001-07:002021-07-06T09:56:43.856-07:00Easy Steps to Eliminate Debt<p> <span style="color: black;">Have you ever asked yourself - "How can I pay this debt down?!" Where do you start, it can be overwhelming and hard. But armed with these easy steps, you can pay your debt down and eliminate it.</span></p><p><span style="color: black;">First, you have to know the basics, how much money you have coming in, and how much going out! Or, in other words, a budget. </span></p><p><span style="color: black;">Second, change what you spend on. Most spending his habit spending, and those can add up. If you like coffee, avoid the high end coffee shops, and brew at home. If you eat out a lot at lunch during work, pack your lunch. It takes three weeks to effectively change a habit, you can do it, and save money.</span></p><p><span style="color: black;">Third, lock up those cards! Put them away, take them out of your wallet. This will take away your ability to use them on a whim. </span></p><p><span style="color: black;">Lastly, pay off your debt as quick as possible. A lot of advice out there says pay off the highest balances first, then move down. But that can be more counter productive, pay the lower ones first, and they will come off your "plate" quicker, and you will get gratification from seeing them lower ones go to zero, and eventually falling off the credit report. You will still pay on the larger ones, but you can eliminate the smaller ones quicker and get the euphoric feeling of accomplishment.</span></p><p><span style="color: black;">In sum, you can pay off you debt, it can be done, you just need some basic steps and habit changes and you can get there. </span></p><p><span style="color: black;">If all else fails, don't count out bankruptcy, it is a quick and legal way to do so, and will not hurt you as bad as you think. As always, contact me for a free, no obligation analysis. At 313-343-9930 or debtfreedetroit@gmail.com</span></p><p><br /></p>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-49875164520773070812020-11-09T08:02:00.001-08:002020-11-11T11:47:47.276-08:00A Look At Personal Bankruptcy & What To Expect<p> </p><p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #6aa84f;">
One of the most difficult decisions that you can face is whether or
not to file for bankruptcy. For individuals, there are two types of
personal bankruptcy - Chapter 7 and Chapter 13. Designed to give the
filer a fresh start in life by wiping out certain debts, a Chapter 7
bankruptcy will rid the filer of credit card and other unsecured
debt. A chapter 13 bankruptcy, on the other hand, is a court-approved
payment plan in which the filer is required to repay a predetermined
percentage of their debt. The determination of which chapter to file
will be based on the filer’s disposable income, if any, after
paying their necessary monthly bills.<br />
<br />
When many people
file for bankruptcy, their first thoughts are of their assets and
whether or not they may lose their home. In a Chapter 13 repayment
plan, the majority of filers are allowed to keep their property in
exchange for repaying a portion of their debts. A Chapter 7, however,
is designed to be a liquidation process that often results in the
sale of non-exempt property. Which property is non-exempt in a
bankruptcy proceeding? Each state has it’s own laws pertaining to
the amount of property that an individual or married couple can keep
without having to worry about it being liquidated.<br />
<br />
The
official bankruptcy process begins upon filing a petition with the
local bankruptcy court. This can either be done without an attorney,
also known as pro se, or with the help of an attorney. For most,
hiring an attorney is the best way to make sure that every form is
completed accurately and in order to make sure their assets are
protected as much as possible. Upon the filing of a bankruptcy
petition, the court will assign a trustee to the case and will set a
date for a Meeting of the Creditors. Although creditors of the filer
are invited to attend, they are not required to do so. The filer,
however, is required to attend and will be questioned by the trustee,
under oath, while having the meeting recorded. This meeting is
typically the only appearance required of the filer unless special
circumstances are present.<br />
<br />
Following the Meeting of the
Creditors, often referred to as the 341 meeting, the creditors will
have 30 days to object to the filers property exemptions and another
30 days to object to the discharge if the filing is a Chapter 7
bankruptcy. In a Chapter 13 proceeding, creditors may object to the
payment plan but the discharge will not be granted until the payment
plan is complete. A Chapter 13 bankruptcy can last for up to 5 years
before the payments are completed and a discharge is issued.
Following the discharge, the bankruptcy case will be closed and the
process will be complete.</span></p><p style="line-height: 100%; margin-bottom: 0in;"><span style="color: #6aa84f;">Call me today, or email me at debtfreedetroit@gmail.com 1-313-343-9930</span></p>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-77939580023902758962020-07-25T14:32:00.001-07:002020-07-25T14:32:20.653-07:00Evictions and Foreclosures Can Be Stopped By Bankruptcy<a href="https://www.candgnews.com/news/experts-brace-for-problems-as-eviction-and-foreclosure-moratorium-ends-118170">https://www.candgnews.com/news/experts-brace-for-problems-as-eviction-and-foreclosure-moratorium-ends-118170</a>debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-83242559892112189502020-03-27T07:03:00.001-07:002020-03-27T07:03:21.630-07:00Chapter 7 and 13<div dir="ltr" style="text-align: left;" trbidi="on">
If you are still considering, or more to the point, NEEDING to file either chapter 7 or chapter 13 bankruptcy, you can still do so.<br />
<br />
As of now, ALL aspects of filing can be done remotely via email, fax, and telephone.<br />
<br />
<u><b>Our Courts and Trustees have all switched to hearings via telephone conference with no person to person interaction.</b></u> So all the protections are still there for those who may still be facing garnishments, foreclosures, repossessions and other issues.<br />
<br />
In addition to bankruptcy, my office has been handling remotely for over 5 years now, wills, powers of attorney, and medical directives. You always could get these services remotely with my office, and now is no exception.<br />
<br />
There is never a good time to put off estate planning, and I am here to help in this crazy time.<br />
<br />
Call, 313-343-9930 or email at debtfreedetroit@gmail.com<br />
<br />
Stay Safe<br />
<i>Charles L. Basch II</i></div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-80047607618613825902020-03-18T12:32:00.001-07:002020-03-18T12:32:54.347-07:00Law Office Update<div dir="ltr" style="text-align: left;" trbidi="on">
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Hello,</div>
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<br /></div>
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I wanted to let everyone know that during this unprecedented time The Law Office of Charles L Basch II is still open, and servicing new and existing clients full-time. I am still diligently involved in cases and all aspects of keeping them healthy and moving forward by what ever means available to my office offered by the Courts or the Federal Government that may arise going forward.</div>
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<br /></div>
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I do not anticipate that any of us will all be out of work for very long, and, I am hoping that all the parties involved, Judges, Trustees and Creditors will be a bit accommodating considering the extreme circumstances that we face right now. I would hazard to guess, but cannot make any guarantees, if, in a prolonged stretch, that Congress will, or would intervene to address the millions that are going through the federal court systems especially bankruptcy court and offer some form of remedy.</div>
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<br /></div>
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As of right now Bankruptcy Courts are still holding hearings, although all tel-phonically, and NOT in person, so, all the rules of law do and still apply, and your case is no exception. Your creditors cannot do anything to you without my knowledge, and they must still follow the Code and Civil Rules of Procedure.</div>
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<br /></div>
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So rest assured, The Law Office of Charles L Basch II is still open for new and existing cases and continually monitoring the fast changes that are happening almost daily with the Courts and the Federal Government. Check back here daily for any new updates.</div>
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<br /></div>
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Please stay healthy and safe.</div>
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<br /></div>
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Warmest Regards,</div>
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<span style="color: #222222;">Charles</span></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-51557139804947436992019-02-20T07:29:00.003-08:002019-02-20T07:29:52.415-08:00An Introduction To Chapter 7 Bankruptcy<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div style="line-height: 100%; margin-bottom: 0in;">
</div>
<div style="line-height: 100%; margin-bottom: 0in;">
Bankruptcy is a legally declared inability of individuals or
businesses to pay their debts. A bankruptcy can be requested not only
by creditors in an effort to get what they are owed but also by the
insolvent individual or organization. If it is difficult to repay
debts, declaring the bankruptcy may be the right solution to debt
problems.<br />
<br />
Out of six basic types of under the Bankruptcy
Code, Chapter 7 is a “liquidation” of nonexempt assets to pay
debts. In a court-supervised procedure, a court appoints a trustee
who liquidates the non-exempt assets of the debtor’s estate and
makes distributions to creditors. The Bankruptcy Code allows the
debtor to keep certain exempt property; but a trustee will liquidate
the debtor's remaining assets. <br />
<br />
According to the
amendments to the Bankruptcy Code enacted in to the Bankruptcy Abuse
Prevention and Consumer Protection Act of 2005, if a debtor’s
income is in excess of certain thresholds, the debtor may not be
eligible for chapter 7 relief. Filing a petition under chapter 7,
automatically stays most collection actions against the debtor or the
debtor's property, but potential debtors should realize that the
filing of a petition under chapter 7 might result in the loss of
property.<br />
<br />
After Chapter 7 bankruptcy, one will no longer
owe money on credit cards, unsecured loans, unpaid hospital, medical
and utility bills and unpaid rent. But debts like state and federal
taxes (unless they are more than three years old), child support
required by law; alimony, government-backed student loans, debts due
to fraud, fines, penalties and debts due to willful injury to another
person or property are not eliminated by Chapter 7 bankruptcy.<br />
<br />
Just
a few months after the petition is filed, in most chapter 7 cases,
the individual debtor receives a discharge that releases debtor from
personal liability for certain discharge-able debts. Thus, chapter 7
Bankruptcy is designed to give the debtor a new start and a chance to
live with sound financial management.</div>
<br /><br />
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-18049498793598280432018-11-29T09:24:00.002-08:002018-11-29T09:32:34.062-08:00How Utilities and Bankruptcy Interact <div dir="ltr" style="text-align: left;" trbidi="on">
">Under 11 USC section 366,<br />
<br />
"...<span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px;">a utility may not alter, refuse, or discontinue service to, or discriminate against, the trustee or the debtor solely on the basis of the commencement of a case..."</span><br />
<span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px;"><br /></span><span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px;">As the weather changes and it often comes up in discussions, can a utility company discontinue service after a case has been filed. Generally no, unless certain points are met under Section 366. </span><br />
<span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px;"><br /></span><span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px;">A typical method, is a security deposit, after the case is filed, which will provide adequate protection to the utility company. </span><br />
<span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px;"><br /></span><span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif;"><span style="font-size: 16px;">Don't be caught off guard this time of year, with the onset of freezing temperatures, you could easily be left in the cold. </span></span><br />
<span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif;"><span style="font-size: 16px;"><br /></span></span><span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif;"><span style="font-size: 16px;">For a free comprehensive consultation, call today, 313-343-9930. </span></span><br />
<div>
<span style="color: #333333; font-family: "verdana" , "helvetica neue" , "helvetica" , "arial" , sans-serif;"><span style="font-size: 16px;"><br /></span></span></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-79979756976393389472018-11-09T08:43:00.001-08:002018-11-09T08:43:34.203-08:007 Things Chapter 13 Can Do<div dir="ltr" style="text-align: left;" trbidi="on">
Chapter 13 is a very powerful and useful chapter that can accomplish many things. Here are 7 things that you can get in a chapter 13 that you will not get anywhere else.<br />
<br />
<ul style="text-align: left;">
<li>You can change or modify your automobile contract.</li>
<li>You can strip or remove second and third mortgage from your home</li>
<li>You can pay your tax debt interest and penalty free*</li>
<li>You can pay pennies on the dollar to your unsecured debt</li>
<li>You can get caught up on your mortgage arrears and stop foreclosure</li>
<li>You can enter into a permanent loan modification with your mortgage</li>
<li>You <i>may</i> be able to eliminate certain student loan debt, or reduce it</li>
</ul>
<div>
Unlike Chapter 7, which will not help you with any of the above mentioned things, a Chapter 13 will give you many more options to choose from. While Chapter 7 is quite powerful, it is limited in certain ways. </div>
<div>
<br /></div>
<div>
These are a few of the many benefits of Chapter 13, for a free confidential consultation, call me today at 313-343-9930. </div>
<div>
<br /></div>
<div>
<span style="font-size: xx-small;">*tax debt and bankruptcy are very complicated and have restrictions, not all tax debt is subject to discharge, and no information here should be construed as tax advice. The tax laws and how they interact with bankruptcy are complex and require a full and comprehensive review before any course of action is advised.</span></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-59964733891139292772018-07-26T06:44:00.001-07:002018-07-26T06:46:53.277-07:00Low Low Ch 7 Attorney Fee's<div dir="ltr" style="text-align: left;" trbidi="on">
Are you looking for an experienced attorney, who knows the law, who is affordable? Look no further, with over 16 years of bankruptcy experience and over 5,000 cases handled you have come to the right place!<br />
<br />
Chapter 7 "Liquidation" is the chapter you can file to get rid of all your debt, and pay no one back! Literally a fresh start. But, you may be able to keep certain things that you need as long as it is reasonable, such as your house or car.<br />
<br />
The law is complex, but I can explain it to you in simple terms and understandable concepts. It is my job to know the law, and help you through the system.<br />
<br />
Call today, I will meet or beat any other attorney's lowest price! 313-343-9930<br />
or <a href="mailto:debtfreedetroit@gmail.com">debtfreedetroit@gmail.com</a><br />
<br />
Note: some debts are not subject to discharge, such as student loans, child support and certain taxes, but of course there are exceptions to all of these. </div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-76384507563808129212018-06-06T06:00:00.000-07:002018-06-06T06:00:21.579-07:00Free Power of Attorney Document<div dir="ltr" style="text-align: left;" trbidi="on">
With every new will, obtain a free power of attorney document, that is right, free ($200) value!<br />
<br />
A will is the corner stone of any estate, while a trust can do more, and is more complete. Most folks can get by with a basic will rather than an expensive trust. If you do not have a will the State will determine who gets what! The State!<br />
<br />
If you have worked hard all your life to amass your fortune, or if you are just starting out with a family or career, there is always a good time to start, and it is never to late.<br />
<br />
Call today for a free telephone consultation at 313-343-9930! </div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-13825507154208581962018-01-04T10:34:00.001-08:002018-01-04T10:34:58.532-08:00Estate Planning <div dir="ltr" style="text-align: left;" trbidi="on">
The cornerstone of any good estate is planning is documents. You need a will or trust, it is imperative. Medical directives and powers of attorney are essential too, if you wait to long, they are difficult to get, and impossible to enforce. As state of mind issues arise, your loved ones will be at a deep disadvantage.<br />
<br />
Think of the most simple thing, like cashing a check, or withdrawing money from your bank to pay bills. Without a power of attorney, your loved ones will not be able to do this, if you are unable to! You could fall behind on your house payments, or car payments, or have your utilities shut off.<br />
<br />
So, do not wait, get that will, or power of attorney document in place today!<br />
<br />
Call me at 313-343-9930 or email me at <a href="mailto:debtfreedetroit@gmail.com%C2%A0">debtfreedetroit@gmail.com </a></div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-7401562804570746072017-11-09T11:19:00.001-08:002017-11-09T11:19:56.932-08:00Thanksgiving Special on Fees<div dir="ltr" style="text-align: left;" trbidi="on">
From now until Turkey Day you can get a basic chapter 7 for $700.00* this includes the filing fee, what do you have to lose, except all your debt!<br />
<br />
*fees are subject to change if there are novel or complex issues that come up after consultation, but honestly, most case are fairly routine.<br />
<br />
CONSULTATIONS ARE ALWAYS FREE! Call or email to schedule an appointment today!<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-qWNwDL-Yw1c/WgSqKCDEFJI/AAAAAAAACTE/LuEkbiqWGAE4-Zrxz1smSxKgZLQFrQ9uwCLcBGAs/s1600/scale-md.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="192" data-original-width="297" src="https://1.bp.blogspot.com/-qWNwDL-Yw1c/WgSqKCDEFJI/AAAAAAAACTE/LuEkbiqWGAE4-Zrxz1smSxKgZLQFrQ9uwCLcBGAs/s1600/scale-md.png" /></a></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-90122835439833684492017-09-05T08:38:00.005-07:002017-09-05T08:38:51.778-07:00Late Summer Special<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: center;">
Special on no asset chapter 7 case is only $1,100.00 that includes the filing fee.</h2>
<div>
<br /></div>
<div>
Time to get rid of all that heavy debt that is bringing you down, file now and you could be debt free by Christmas! What a present that would be, give yourself a needed boost and start the New Year off with a clean slate. </div>
<div>
<br /></div>
<div>
Call 313-343-9930 or you can Text at 586-943-9211 and of course always reliable email at <a href="mailto:debtfreedetroit@gmail.com">debtfreedetroit@gmail.com</a></div>
<div>
<br /></div>
<div>
<br /></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-51362943607911517402017-06-29T09:40:00.001-07:002017-06-29T09:40:49.807-07:00Are You Thinking About Buying and Flying a Drone?<div dir="ltr" style="text-align: left;" trbidi="on">
Are you FAA compliant with your new drone? One call could save you thousands of dollars in fines and penalties.<br />
<br />
Know and understand your drone rights! Call today for a consultation.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-aVEBrwsxjNQ/WVUtNdH2GbI/AAAAAAAABj4/ejqFXufMbMcNglVES9Yz3mcCFQ6bLeQFgCLcBGAs/s1600/drones-dji-phantom-4-pro-lowres-7489.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="420" data-original-width="630" height="213" src="https://4.bp.blogspot.com/-aVEBrwsxjNQ/WVUtNdH2GbI/AAAAAAAABj4/ejqFXufMbMcNglVES9Yz3mcCFQ6bLeQFgCLcBGAs/s320/drones-dji-phantom-4-pro-lowres-7489.jpg" width="320" /></a></div>
313-343-9930 <a href="mailto:debtfreedetroit@gmail.com">debtfreedetroit@gmail.com</a></div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-57002879463717482562017-06-28T12:19:00.001-07:002017-06-28T12:21:29.290-07:00Reduce Your Student Loan Debt<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="line-height: 16px; margin-bottom: 0in;">
There is <b><i>$1.4 trillion</i></b> in student loan debt in the United States. Once reserved for credit card debt, student loans are now the biggest non-secured debt in our country.</div>
<div style="line-height: 16px; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 16px; margin-bottom: 0in;">
What is more is that getting a student loan still remains relatively easy, while paying it back becomes ever more difficult.</div>
<div style="line-height: 16px; margin-bottom: 0in;">
<br /></div>
<br />
<div style="line-height: 16px; margin-bottom: 0in;">
There are some ways to pay off or pay down those student loan debt. Call or email me for your options.</div>
<div style="line-height: 16px; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 16px; margin-bottom: 0in;">
I formulated a detailed plan do reduce your student loan debt and get you out from under that burden, but you have to call or email me to get that plan in place. </div>
<div style="line-height: 16px; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 16px; margin-bottom: 0in;">
313-343-9930 or <a href="mailto:debtfreedetroit@gmail.com">debtfreedetroit@gmail.com</a></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-86503486423735550802017-06-26T04:52:00.003-07:002017-06-26T04:52:32.515-07:00debtfreedetroit.com<div dir="ltr" style="text-align: left;" trbidi="on">
My original site appears to be back up and working, for now. It goes in and out. Still trying to figure the technical issues out.<br />
<br />
Charles L Basch II</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-21642853413120917382017-05-23T06:32:00.001-07:002017-05-23T06:32:04.074-07:00debtfreedetroit.com issues<div dir="ltr" style="text-align: left;" trbidi="on">
Hello all, if you have been trying to get to my other site, debtfreedetroit.com and have had problems, you are not alone, I am having some redirect issues with GoDaddy, and trying to work them out, you can reach me through this site as well. Or at 313-343-9930<br />
<br />
I am working on solving the problem. </div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-91579982079550682232017-05-04T08:09:00.001-07:002017-05-04T08:09:18.865-07:00May Bankruptcy Special Pricing<div dir="ltr" style="text-align: left;" trbidi="on">
For the month of May you can get a complete Chapter 7 case for $600.00!! That include both filing fee and court costs, these cannot be beat! Call or email to day for your free confidential no obligation consultation, what do you have to loose? Except your debt!!<br />
<br />
<br /></div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-17609992626131270632017-03-27T18:38:00.001-07:002017-06-28T12:38:14.950-07:00Starting an Estate Plan<div dir="ltr" style="text-align: left;" trbidi="on">
<br /></div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-30869680314511080112017-03-22T08:07:00.000-07:002017-03-22T11:28:09.072-07:00What are starting blocks of an estate plan?<div dir="ltr" style="text-align: left;" trbidi="on">
An estate plan is a complex undertaking and one that should be well thought out and planned, and should encompass many things, but there are three corner stone documents that you need to get into place at the bare minimum. One, a will, two a power of attorney, and three a living will. More to come on each of these essential document.<br />
<br />
Charles L Basch II, Attorney and Counselor.</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0tag:blogger.com,1999:blog-1863117295801060208.post-20653594283464265662017-02-07T08:14:00.002-08:002017-03-22T08:09:38.693-07:00Student Loans and Tax Deductions<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="line-height: 100%; margin-bottom: 0in;">
Paying interest in
your student loans may amount to a tax deduction, it is $2,500 max or
whatever is less that you paid in 2016</div>
<div style="line-height: 100%; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 100%; margin-bottom: 0in;">
How to qualify?
</div>
<div style="line-height: 100%; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 100%; margin-bottom: 0in;">
Well, it has to be
legally your debt, and your interest on that debt. You DON'T file separate
tax returns while married, and as a household your income is less
than $130,000, $65,000 if single.
</div>
<div style="line-height: 100%; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 100%; margin-bottom: 0in;">
You can take this
deduction whether you itemize your deductions or not, which is a huge
deal, because they are really not tax breaks, but rather adjustments
in income.
</div>
<div style="line-height: 100%; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 100%; margin-bottom: 0in;">
Any break that you
can get on your taxes is a plus, and this one does not take long to
figure out, since the student loan company must send you
documentation indicating how much interest you paid on student loans
for 2016, you could gain up to $1,000 added to your refund, not bad!
</div>
<div style="line-height: 100%; margin-bottom: 0in;">
<br /></div>
<div style="line-height: 100%; margin-bottom: 0in;">
Keep pushing your
congressman to amend the bankruptcy code to allow certain reductions
in student loan debt and forgiveness in a Chapter 13 Plan, this would
greatly reduce the nearly <b>1.5 TRILLION </b>in federal student loan debt!!
</div>
<div style="line-height: 100%; margin-bottom: 0in;">
<br /></div>
<br />
<div style="line-height: 100%; margin-bottom: 0in;">
Charles L Basch II,
attorney and counselor at law <a href="http://debtfreedetroit.com/">debtfreedetroit.com</a></div>
</div>
debtfreedetroithttp://www.blogger.com/profile/00782636076254986312noreply@blogger.com0