By Nathalie Martin
ISBN-10: 0471753696
ISBN-13: 9780471753698
ISBN-10: 0471779164
ISBN-13: 9780471779162
A complete advisor to the hot financial ruin law--and what it ability for youSweeping alterations to U.S. financial disaster law--the first significant adjustments to the legislation in twenty- seven years--are happening right away. in case you are unexpected with the hot financial ruin legislations and the way it could actually impact you, this booklet will fast get you up to the mark. whereas J.K. Lasser's the recent financial disaster legislations and also you completely covers this newest reform, besides its concepts and choices, it additionally solutions must-know financial disaster questions, akin to: how do you opt even if financial ruin is the fitting route to take, and whether it is, while if you dossier? different subject matters mentioned include:* the hot legislation as opposed to the outdated legislations* the fundamentals of financial disaster legislation that observe to all bankruptcies* getting ready to dossier for financial ruin* The liquidation alternative: bankruptcy 7* The fee plan alternative: bankruptcy thirteen* the fundamentals of debtor-creditor legislations* getting ready for a shiny monetary destiny* and lots more and plenty moreWith over two decades of expertise as financial ruin legal professionals, and a dozen years of expertise teaching humans approximately cash, authors Nathalie Martin and Stewart Paley might actually help effectively navigate the realm of financial disaster and allow you to positioned your self able the place you will by no means need to give it some thought again.Filled with in-depth insights and specialist recommendation, J.K. Lasser's the hot financial disaster legislation and you may assist you make extra educated monetary judgements whilst facing complex financial ruin concerns.
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Additional info for J.K. Lasser's The New Bankruptcy Law and You (J.K. Lassers)
Sample text
We live near a nature preserve in an area of town that has become extremely desirable. It is quiet and somewhat rural in feel, unlike most of the rest of our sprawling town. Space now goes for twice what it would in many other nice neighborhoods in town, and people are tearing down old houses and putting up million dollar homes in their place. One gentleman around the corner lives in a converted school bus. He owns a bike and probably little else. We see him riding his bike on the nature trails two or three times a day, always smiling.
In essence, you are “judgment proof,” which does not mean you do not have any assets. It just means that you have no nonexempt assets, no assets from which to satisfy unsecured claims. qxd 9/8/05 11:43 AM Page 31 INTRODUCTION TO THE DIFFERENT TYPES OF BANKRUPTCY So why does the law protect your assets from creditors in this way? The theory behind allowing the debtor to keep these things is that it will accomplish very little to force people to become homeless, to take away their transportation to work, and to take away their clothing.
The home mortgage lender is a secured creditor. Another common secured creditor is the automobile lender. If you buy a car on credit, you give a security interest in the car to the lender. You may have bought furniture on credit and given back a security interest in the furniture to the store you bought it from. Or you may have bought things on a store credit card. When you do that, the receipt you sign usually grants a security interest in the goods you bought from the store. In other words, when you buy a sweater or a refrigerator from Sears on your Sears credit card, Sears usually retains a security interest in the items that you bought.