(PRWEB) As the targets of numerous jokes and jibes, attorneys have a greater occupational stigma to overcome than most other professionals. To help establish objective credibility, Kevin D. Heupel, personal bankruptcy lawyer and President of Colorado Bankruptcy Help, has sought and received the personal endorsement of renowned consumer advocate Tom Martino. Martino has added Colorado Bankruptcy Help to his exclusive database of business referrals located online at referrallist.com.

Referrallist.com is different from other online directories in that payments from prospective advertisers do not automatically entitle them to listings on the site. Business owners must apply for the privilege of advertising on referrallist.com and must undergo an extensive background investigation before an approval decision can be made. Advertisers on the site must also submit to ongoing monitoring and agree to mandatory arbitration of any customer disputes if they wish to maintain their listings.

Colorado Bankruptcy Help was approved after Heupel answered Martino's in-depth customer service and bankruptcy questions, and after Heupel's expertise and track record as a personal bankruptcy lawyer was independently inspected. Customer-oriented policies such as flexible payment plans and $100 service retainers helped cement Colorado Bankruptcy Help's position among the elite legal firms featured on referrallist.com.

We provide bankruptcy services that are affordable and efficient, explains Heupel. Our bankruptcy services help our clients get through the process with their dignity and respect by providing sensible solutions to their financial situations.

Coloradoans that are interested in Heupel's services can request free evaluations through Colorado Bankruptcy Help's Web site at cobankruptcyhelp.com. The site also features an extensive Bankruptcy 101 section that details the different types of bankruptcy and offers easy to understand answers to complicated bankruptcy questions.

Referrallist.com is owned and operated by Troubleshooter Network, Inc., which produces The Troubleshooter Show, the nationally syndicated talk radio program hosted by consumer advocate Tom Martino. In addition to his radio show and appearances in multiple other media, Martino is known for exposing dishonest businesses and helping consumers to recover millions of dollars lost as a result of fraudulent and unfair business practices.

For more information about Colorado Bankruptcy Help and answers to some of the most common bankruptcy questions, please visit cobankruptcyhelp.com.

About Colorado Bankruptcy Help:
Licensed personal bankruptcy lawyer Kevin D. Heupel started the Denver, Colorado-based law firm Colorado Bankruptcy Help to assist Coloradoans with substantial debts. Endorsed by the nationally syndicated radio talk show host and consumer advocate Tom Martino, Colorado Bankruptcy Help offers free consultations to its respective clients and affordable retainers on effective, compassionate legal financial services.

Colorado Bankruptcy Help's Personal Bankruptcy Lawyer Added to Exclusive Listings on Referrallist.com is a post from: Find Bankrupcy Attorney

According to Californias U.S. District Court (cacb.uscourts.gov), more than 4,200 individuals and businesses filed for bankruptcy in October 2011, the most recent statistic available. The year-to-date total of bankruptcy filings for the area is just over 46,000 for Chapter 7, Chapter 11, and Chapter 13 bankruptcies. Although the numbers are down 2.6 percent from 2010, many people are still struggling with the economic downturn and high rates of unemployment, and wondering if bankruptcy could be the right solution for their problems. For this reason, Los Angeles bankruptcy lawyer Hamid Soleimanian is now offering free consultation for those individuals who are considering filing for Chapter 7 or Chapter 13 bankruptcy to get relief from their debts.

Personal bankruptcy can provide those who are facing insurmountable debts due to unemployment, overwhelming credit card debts, medical bills, or other personal or financial issues with a fresh start and an opportunity to begin again. A Chapter 7 bankruptcy is available to those who earn below the median income for the area or who earn an erratic or unpredictable income. It will discharge their unsecured debts after liquidating nonexempt assets. Hamid Soleimanian, California bankruptcy attorney, can help individuals determine whether or not they will qualify for a Chapter 7 through the means test.

A Chapter 13 is also called a wage-earners bankruptcy, allowing filers to restructure their debts, paying them off over a period of several years without the high interest rates or creditor harassment that often accompany other credit repayment programs. Bankruptcy exemptions are available that will protect a certain percentage of a debtors property with both filing options.

About Hamid Soleimanian, Bankruptcy Attorney Los Angeles
Soleimanian, bankruptcy lawyer in California, received his Juris Doctor Degree in 1995 and has since focused on turning his practice into one of Los Angeles most respected multi-practice law firms. The Law Office of Hamid Soleimanian is dedicated to its clients, providing them with the kind of highly personalized attention and focused representation necessary to get the results they expect and deserve.

Bankruptcy attorney in Los Angeles, Hamid Soleimanian, can assist debtors with either personal or business bankruptcy and Chapter 7 or Chapter 13 filings so that they will be able to get their lives back on track.

Contact Hamid Soleimanian, Bankruptcy Lawyer Los Angeles
Visit http://www.mrlawwiz.com or call (818) 501-2040 for more information about this attorney and the services he provides. You can visit his office, located at 16633 Ventura Blvd., Suite 503 in Encino, CA 91436.

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Los Angeles Bankruptcy Lawyer, Hamid Soleimanian, Now Offers Free Consultation to Individuals who are Considering Filing for Bankruptcy is a post from: Find Bankrupcy Attorney

The Chetson Firm, which until now has focused on the representation of people charged with crimes in North Carolina, announced today that it was expanding its services to include bankruptcy, Fair Debt Collection Practices Act work, and Unfair and Deceptive Trade Practices act claims, said Raleigh criminal lawyer Damon Chetson.

More than 1 million Americans have filed for bankruptcy in each of the last two years, the highest number of bankruptcy filings since the United States Congress passed the 2005 bankruptcy reform act.

It’s clear that North Carolinians, like all Americans, are continuing to face incredible economic and financial hardship, said Mr. Chetson. Since opening doors in 2009, my firm has represented hundreds of primarily people in Wake County but also other parts of North Carolina in their criminal matters. We want to expand the same great service we provide to our criminal law clients to bankruptcy clients.

There are two common forms of consumer bankruptcy, including Chapter 7 and Chapter 13. Chapter 7 allows people to be forgiven of all dischargable debt within months of a bankruptcy filing.

Chapter 13 is usually called a payment plan bankruptcy, and is used in order so that the debtor can keep his or her home or earns too much income in order to qualify for a Chapter 7 bankruptcy.

Bankruptcy can be confusing and frightening, said Mr. Chetson. Having handled complex criminal cases, I bring with me confidence and reassurance when I’m dealing with clients who are preparing to file bankruptcy.

The Chetson Firm will also pursue potentially available FDCPA and UDAP claims. Both federal and state law provide remedies for people who have been harassed by creditors or debt collection agencies.

FDCPA is a very powerful tool that is available under federal law, said Mr. Chetson. It allows someone who has been harassed by debt collection agencies to file for remedies.

Mr. Chetson explained that North Carolina state laws also provide remedies.

Even when someone may legitimately owe on a debt, that person may be able to file law suit depending on whether that person was harassed by a debt collector, said Mr. Chetson. These causes of action can be pursued in Bankruptcy court, which lowers the cost to the consumer of filing these actions.

The Chetson Firm is currently taking bankruptcy clients, but will have its bankruptcy practice in full gear by the turn of the year.

Disclaimer: While The Chetson Firm works hard to achieve the best possible results in every case it handles, no outcome can be guaranteed. Past results do not guarantee future results. Each case is different. If you are facing a criminal investigation or arrest or are considering filing bankruptcy, seek the immediate assistance of a lawyer licensed in your state. The Chetson Firm’s lawyers are licensed to practice in the state courts of North Carolina and in the federal courts of the Eastern District of North Carolina.

The Chetson Firm Expands into Bankruptcy is a post from: Find Bankrupcy Attorney

For over 30 years, Eric Olsen has been a successful bankruptcy attorney in the Pacific Northwest. The firm he founded, OlsenDaines, can be found throughout Oregon and the states of Washington, Idaho and Utah. Year after year, he witnessed lots of creditor abuse towards senior citizens and decided to do something about it. Mr. Olsen has now organized and formed, HELPS Nonprofit Law Firm. HELPS, an acronym for Help Eliminate Legal Problems for Seniors and Disabled, was designed to provide legal representation at an absolute minimal cost to any seniors (including poor senior citizens) harassed by creditors, for debts they cannot pay. This, without having to file a bankruptcy. It is available in all 50 states. The exact website address is:

helpsishere.org

According to Mr. Olsen there are over 40 million seniors in the United States and many of these seniors have retired owing debt they cannot pay. Under the law, Mr. Olsen explains, social security, disability and pensions are protected from collection. Nevertheless, seniors are frequently harassed by creditors and go without basic needs such as food, medicine and heat in an attempt to pay debt they can never pay off. Since the Bankruptcy Reform Act of 2005, bankruptcy has become very expensive. Mr. Olsen says, seniors are often faced with two options; deal with the harassment – or file a bankruptcy they cannot afford.

Now, for a minimal enrollment fee and a maintenance fee that is normally just $20 a month, HELPS Nonprofit Law Firm provides attorney protection. When a senior is represented by an attorney, under the law, contact from collectors by phone and mail must stop.

Its making a big difference in their lives. I want every senior citizen to know, this service is here for them. Now We never turn down a senior that qualifies. We are here to share the burden. These seniors now have a place to go for help.

The HELPS website features senior citizens sharing their real-life harassment experiences. These are stories that hit home with other seniors. We asked our clients if they would be willing to share their experience on video with others, Olsen explains. Many have this overwhelming desire to share their stories with others. They want other seniors to know that help is available, so they dont have to experience what they went through, before they found HELPS. The most common statement I hear is HELPS brought peace back into my life.

To be part of this unique service – go tohttp://www.helpsishere.orgfor easy enrollment. You’ll be protected within minutes. Literally

Oregon Bankruptcy Attorney Launches National Non-Profit Website/Law Firm To Help Seniors is a post from: Find Bankrupcy Attorney

A Fromberg couple that claims a reputable California company ripped them off has suffered a blow in their attempt to obtain unjustified damages. John and Tamie Ward are trying to obtain compensation, for an attorney based assisted debt program they entered but never completed.

The Wards filed a class action suit against Morgan Drexen, Inc. alleging that the firm, whom they hired to help solve their enormous debt problems, misled them. The Wards joined the attorney based debt assisted program supported by Morgan Drexen with several judgments in place and almost a decade of debt and bad credit.

A Montana judge has thrown the case out of a Federal District Court of the Montana Billings division and ruled in favor of Morgan Drexen granting them a motion to transfer. This is a blow to the Wards who were persuaded to take action against Morgan Drexen by John Heenan of Heenan Law. An attorney who himself is associated with the debt settlement industry.

Morgan Drexen is an evolving alternative to traditional debt settlement services. They provide integrated legal support systems to attorneys across the United States, who helps consumers facing the scar of bankruptcy.

For many this alternative is a huge success. In 2010 Morgan Drexen has supported attorneys as they help families across American rid themselves of $44.2 million in debt. The attorneys supported by Morgan Drexen have settled this debt for $17.1 million.

Morgan Drexen CEO Walter Ledda says, They were clearly in financial difficulty when they entered the program with Montana attorney Blaine Bradshaw. We support the Bradshaw Law Firm with our integrated legal systems; even though the Wards had limited resources they were able to access Blain Bradshaw for legal help. However, the attorneys we support are familiar with representing consumers facing bankruptcy. The Wards missed several payments after engaging with the attorney and therefore there were no funds to pay their accrued debts.

Montana attorney John Heenan of The Heenan Law Firm represents the plaintiffs. The former forklift truck driver admits on his law firms website that hiring an attorney is an important step in fighting debt. Ledda says, It seems his intentions were to sling mud at the competition for his own gain. The Federal Court ruling substantially changes the stakes for the Wards and their attorney.

Defense attorney Mark Parker says, In my view this is a good result for Morgan Drexen, this means the judge responded to the facts and law and not hysteria.

Companies associated with the debt settlement industry have received heavy criticism in the past. Morgan Drexen works closely with the Federal Trade Commission (FTC), as the agency aims to design regulations to protect the consumer from acts of abusive debt settlement companies.

The information in this press release pertains to case CV-09-164-BLG-RFC.

If you require further information or would like to request an interview with an attorney or financial expert please contact.

Media Contact:
Raychel Harvey-Jones
Office: 7149281500
Cell: 7143280364
media(at)mdrexen(dot)com

Morgan Drexen Victory As Class Action Suit Is Thrown Out Of A Montana Court is a post from: Find Bankrupcy Attorney

This will make it much easier for homeowners to seek modification of their mortgages and save their home while adjusting and discharging other debts in a single proceeding. The rules also allow use of the schedules filed in the bankruptcy case to be used as the modification application and other streamlined procedures that will make it easier to communicate with lenders. It also gives the homeowner the added protection of a Court Order approving loan modifications to prevent future mortgage problems caused by the mortgage company.

In the Orlando Division of the Middle District of Florida, the U.S. Bankruptcy Court has also launched a Mortgage Mediation Program to bring mortgage lenders to the negotiation table and offers sanctions against mortgage lenders who refuse to participate. In most cases, the trial period may be waived by making mortgage payments through a Chapter 13 Trustee.

These new rules make Chapter 13 Bankruptcy a much better option to seek mortgage modification and stay other creditors at the same time. It can also allow for the stripping off of second mortgages, lowering car loan payments and minimal if any payment to unsecured credit card debts. A homeowner who files for Chapter 13 Bankruptcy to reorganize may emerge from the case with a modified first mortgage, a second mortgage that is gone forever and be otherwise debt free upon plan completion and discharge.

Finally a rule change to help the American Homeowner save their home. Most homeowners I meet with here in Central Florida need a mortgage modification and bankruptcy relief and now rules will make it easier to get both types of relief at the same time. I believe this will really give homeowners a better chance to save their homes and resolve other debt problems through Chapter 13.

To learn more about how these new HAMP rules and Bankruptcy Court Mediation in the Orlando Bankruptcy Court may help you, contact Mr. Baker.

By: Richard R. Baker, Esquire
Chair of Orange County Bar Association Bankruptcy Committee

New Federal Loan Modification Rules To Now Work With Chapter 13 Bankruptcy Laws is a post from: Find Bankrupcy Attorney

The company filed for bankruptcy on Tuesday just weeks after the end of the tax season as a way to restructure a bank loan coming due in October. It said it hoped to restructure in 60 days or less.

Jackson Hewitt got into trouble with lenders as it failed to secure full funding for tax-refund loans, a key covenant in its credit agreement.

Jackson Hewitt already has approval for the bankruptcy plan from all 10 holders of its $357 million bank debt, according to Mark McDermott, an attorney with Skadden, Arps, Slate, Meagher & Flom LLP, which represents the company.

The company's bank debt is worth more than the entire value of the business, which the company's advisers determined to be $225 million.

Unfortunately, this is a case where nothing is left for unsecured creditors, McDermott said. The value proposition just isn't there.

He said the company expects to continue its main business of preparing tax returns and is already getting ready for next tax season, which begins in January.

It did file a request to close 88 of its 5,900 locations. About 2,000 of the total are found inside Wal-Mart Stores Inc(WMT.N) sites. About 700 franchisees own 4,600 Jackson Hewitt franchise locations, according to McDermott.

New equity would be issued to the lenders, who would also get a new term loan of $100 million and a revolving credit agreement of $115 million, according to McDermott.

The company also plans to cancel its stock.

The court approved a series of routine first day motions that will allow the company to continue functioning while it works through its bankruptcy.

The case is In re: Jackson Hewitt Tax Service Inc, U.S. Bankruptcy Court, District of Delaware, No. 11-11587.

(Editing by Gerald E. McCormick)

Jackson Hewitt sees quick bankruptcy plan approval is a post from: Find Bankrupcy Attorney

http://www.RomeBankruptcy.com has come to the Web to deliver helpful information to persons facing a financial crisis. The site, owned by the Georgia law firm of Berry & Associates, provides information on debt relief through Chapter 7 or Chapter 13 bankruptcy.

We wanted the Web site to reach out to people who might be suffering through a financial crisis alone, said Matt Berry, senior partner at Berry & Associates. LeadRival has done a wonderful job creating a site that is informative and easy to navigate. We hope that it provides the people in Rome with information that will help them in their struggle.

Visitors to the site who would like to have more information, can complete a bankruptcy evaluation form and will be contacted by the firm for a free consultation to discuss their case.

They can review the bankruptcy exemptions available to Georgia residents and see what property they can keep when filing for bankruptcy protection.

Access to information is key to getting help to people who need it, said Kye Duncan, SEO Manager of LeadRival. We are proud to have helped Berry & Associates create this site for the people of Rome. It is a great resource for bankruptcy information.

LeadRival (http://www.leadrival.com) founded in 2004, is a leader in the search-engine marketing (SEM) industry. The firm has worked with both large and small businesses. LeadRival specializes in search engine optimization, paid search and professional website design. In addition, the agency also provides content creation, lead generation and local search strategy.

About Berry & Associates
Berry & Associates is a Georgia law firm with offices in Atlanta, Rome, Dalton, Gainesville, Marietta, Duluth, Jonesboro, Newnan and Cartersville. For the past 15 years it has helped more than 25,000 consumers achieve freedom from debt through bankruptcy. Berry & Associates is can be found on the web at http://www.GeorgiaDebtLaw.com

About LeadRival
Founded in 2004, LeadRival is a leading Web marketing agency with extensive experience helping businesses succeed online. The agency provides custom Web marketing solutions for both local and national clients. LeadRival offers search engine optimization, Web site design, pay per click management, content creation and online consulting services through their unique Search, Leads, Results platform.

For more information or to schedule an interview with Kye Duncan or a staff member of Berry & Associates, email kyeduncan @ leadrival.com.

Berry & Associates Announces Launch of New Rome Bankruptcy Website is a post from: Find Bankrupcy Attorney

I just filed for bankruptcy, im in total debt, and what i owe in debt and in living expenses? is a post from: Find Bankrupcy Attorney

Bankruptcy filings were down in August, yet the trend for 2010 remains much higher than 2009.

Across the nation the amount of filings this year stands at 9122 per million households. This is an equivalent of about 1 in every 110 households. The filings for 2010 are generally 7% higher than the previous year.

The highest filings occur in the Southwest and the Southeast. Morgan Drexen work with attorneys throughout the nation, who represent consumers who are financially stressed. Many attorneys agree that bankruptcy can be an option.

Pasquale Cossentino is a Florida resident who considered bankruptcy too much of a risk. Pasquale engaged with the Brookstone Law Firm with over $26,000 in debt. Relocating to Florida for work and the slow economy left Pasquale desperate for financial freedom.

This attorney based debt resolution program helped Pasquale reduce his debt dramatically. Pasquale speaks highly of the attorneys, They did a great job for me. Right now I have zero credit card debt.

There are others who have trodden the path of bankruptcy and would not advise others to follow in their footsteps. Phillip Sindlinger a Nevada resident admits, I learned very quickly that the system punishes bankruptcy. Phillip filed for bankruptcy in 2001 and says his credit has not yet returned to a good standing.

Phillip engaged with the Howard | Nassiri Law Firm after accruing almost $12,000 in debt. Bankruptcy a second time was not an option. Phillip says, My wife sees bankruptcy as an option, I say, its not an option if you're married to me. Phillip decided to use a debt resolution program to avoid again the scar that comes with filing bankruptcy.

Vincent Howard of the Howard | Nassiri Law Firm says bankruptcy can be an option. When people hear the word, bankruptcy they often think of it as a dirty word. The fact of the matter is that this is a viable debt resolution program that is underutilized. Only 20% of the people who should be filing bankruptcy are doing so. Bankruptcy however is something that should be used as a last resort. A debtor should attempt to pay back their debt by themselves or by enrolling into a reputable debt resolution program, circumstances permitting. If that fails or is not possible, then bankruptcy should be an option the debtor should consider.

Media Contact-
Raychel Harvey-Jones
Office- 714 9231500
Cell- 714 328 0364

Bankruptcy Filings are Down, Should this Form of Debt Resolution be the Last Resort? is a post from: Find Bankrupcy Attorney