By Stephen Elias
Veteran Nolo writer and purchaser debt specialist explains the entire concepts on hand to individuals with an unmanageable debt burden. full of clearcut solutions and useful feedback, the ebook reassures readers fascinated by: wiping out all in their money owed; wasting their housework their motor vehicle and different estate; holding their credits cardslosing their task; wasting custody in their young ones; going to jailand even more. Written in simple English, examines the professionals and cons of submitting for financial disaster, discusses its attainable repercussions, outlines the variations between several types of financial disaster and proposes a number of choices to submitting. comprises pattern, accomplished financial disaster varieties.
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Extra info for The New Bankruptcy: Will It Work for You?, 4th Edition
Example text
Divide Line 4A by six. $ 40 | The New Bankruptcy: Will it work for you? • net income from the operation of a business, profession, or farm (the amount you report as taxable income, after subtracting reasonable and necessary business expenses on IRS Schedule C) • interest, dividends, and royalties • net income from rents and other real property income • pension and retirement income • regular contributions to the household expenses of the debtor or the debtor’s dependents, including child or spousal support • regular contributions by the debtor’s spouse if he or she isn’t part of the house hold either because of a separation or a joint debtor in the bankruptcy • unemployment compensation • workers’ compensation insurance • state disability insurance, and • annuity payments.
They fell quickly into debt after John was forced out of his job because of a work-related injury on April 1, 20xx. Three months later, on July 1, 20xx, John and Marcia decide to file for bankruptcy. To calculate their CMI, Marcia reviews the family’s income for the period between January 1 and June 30, 20xx (the six-month period prior to their bankruptcy filing date). This includes John’s gross salary for the first three months (he made $8,000 a month as a software engineer), plus $1,800 in workers’ compensation benefits for each of the last three months.
Tip You don’t need bankruptcy to stop your creditors from harassing you. Many people begin thinking about bankruptcy when their creditors start phoning their homes and/or places of employment. Federal law prohibits this activity by debt collectors once you tell the counselor, in writing, that you don’t want to be called. And if you orally tell debt collectors that you refuse to pay, they cannot, by law, contact you except to send one last letter making a final demand for payment before filing a lawsuit.