Recovery Law Group

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Top Reasons Why You Should Rely on Experienced Defense Attorneys During Foreclosure

Foreclosure might be one of the most unfortunate terms for families as it signifies the taking away of the property once a mortgagor fails to pay the mortgage payments. Once this scenario happens, a family might feel helpless as they remain unaware of the steps they can take to prevent this disaster. In today’s blog, we’ll shed some light on why hiring an experienced foreclosure defense attorney is invaluable in such circumstances. Defending Against Foreclosure Foreclosure is not to be taken lightly like other small claims that people often defend themselves in court. If you fail to defend a foreclosure, there can be severe consequences that can leave your entire family without a proper home. This is why it’s best to rely on expert foreclosure defense attorneys in Austin TX to reduce the damage and keep your family’s future secure. Here’s why you need their help: Thorough Knowledge of the Law Knowing the ins and outs of the law is not an easy task. It takes years of ex

Bankruptcy lawyers in San Antonio Texas to help you navigate bankruptcy complexities with confidence

Bankruptcy provisions are primarily mentioned under Title 11 of the US Bankruptcy Code, which outlines the various types of bankruptcy filings, the processes involved, and the protections afforded to debtors and creditors. One of the primary purposes of bankruptcy is to provide a discharge of debts , meaning that the debtor is no longer legally obligated to pay certain debts. The specific debts that can be discharged vary depending on the type of bankruptcy filed Below types of bankruptcy cases are frequently dealt with by bankruptcy lawyers San Antonio in Texas. Eligibility for bankruptcy can depend on factors like income, type of debt, and previous bankruptcy filings. For Chapter 7, your bankruptcy lawyer in San Antonio will inform you that you must pass a Means Test that assesses your income against the median income in your state. It compares your average monthly income over the last six months to the median income for a similar household in your state. If your income is b

Affordable bankruptcy in Sacramento to help you rebuild your finances

When debts are so high that it’s impossible to pay them off within a reasonable timeframe, affordable bankruptcy can provide much-needed relief to individuals in financial distress. If you are dealing with multiple secured and unsecured debts, priority debts, or other debts due to natural disasters, business failure, or job loss, filing for affordable bankruptcy Sacramento in California through specialist law firms, like Recovery Law Group, can help protect your home and some exempt assets, and also save you from the creditors’ collection activities. Affordable bankruptcy provides low-cost legal assistance to individuals in financial distress, and for whom bankruptcy is the only option left to get rid of their debts and creditors’ harassments. Many individuals hesitate to file for bankruptcy due to the perceived costs of hiring an attorney. However, Recovery Law Group provides affordable bankruptcy Sacramento to deserving individuals at reduced rates, or on a sliding scale

Medical bills attorney to save you from paying bills that you do not owe   

Discrepancies in medical bills are common and can cause patients' significant financial distress. Errors can occur due to many reasons, like coding mistakes, duplicate charges, and insurance processing errors. These issues can result in unexpectedly high medical bills or denied insurance claims, leaving patients confused who are already struggling with their ailments. An incorrect billing code can lead to billing for a different procedure or service, often at a higher cost. Unbundling error occurs when services that should be billed together are split up to increase the total charge, while out-of-network charges can result in substantial surprise bills due to higher rates and lower coverage by the health insurance provider.       If you notice issues with your medical bills, or there are unexpected charges that you cannot resolve on your own, then professional help from a medical bills attorney can help you resolve the issues, and protect your financial health by ensuring t

Wondering how to keep my retirement in bankruptcy, here is how to do it 

Bankruptcy has a certain stigma attached to it, but there could be many compelling reasons to consider this. One of the key advantages of filing for bankruptcy is that it will let you achieve relief from unmanageable debt by either eliminating or restructuring the debt, thus making it easier to handle. Not everything is liquidated or sold in bankruptcy, there are certain assets that cannot be liquidated under Chapter 7 and Chapter 13 bankruptcies, such as a home and a vehicle of certain equity, tools, of trade, household goods, clothing, and retirement accounts.       If you are wondering whether I will be able to keep my retirement in bankruptcy , then the answer is yes. Most pension plans, and retirement accounts such as 401(K)(s), and 404(B)(s), are protected from creditors during bankruptcy. This is done to ensure that the debtor’s long-term is not jeopardized under bankruptcy. The provisions of the US Bankruptcy Code allow an individual to keep my retirement in bankruptcy,

Understanding the role of Chapter 13 bankruptcy trustee and their critical functions

Chapter 13 bankruptcy, also known as “Wage Earner’s Plan”, is offered to individuals who need some extra time to pay off their outstanding debt. To qualify for Chapter 13, the debtor must have a steady income from various sources, and should not have more than $2,750,000 in unsecured debts, and $2,750,000 in secured debts. The debtor is given 3 to 5 years of time to repay their outstanding debt, and must demonstrate the ability to make the scheduled payment based on their income. The proposed plan must be feasible, and for this, the bankruptcy court will appoint a trustee to work out the plan, and how to repay the creditors. The trustee has an important role to play in Chapter 13 bankruptcy. He will ensure that the proposed repayment plan complies with legal requirements, and is feasible based on the debtor’s income and expenses. The role of Chapter 13 bankruptcy trustee is quite comprehensive, he has to collect monthly payments from the debtor, and distribute them to the