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Frequently Asked Questions About Bankruptcy

Keaveneylegalgroup Do you have questions about bankruptcy, but not sure where to start Today I'd like to go through some of the most common questions we get about bankruptcy and give you the direct, straightforward answers that you need. Hi, I'm Jim Keaveney of Keaveney Legal Group. We're a New Jersey and Pennsylvania based law firm that focuses on helping clients facing bankruptcy. Every day we talk to people who have questions about what bankruptcy is, how it works, and what impact it can have on their financial future. So, here are a few of the most common questions we receive.

So, what exactly is bankruptcy Bankruptcy is a federal legal process designed to help people eliminate their debts or repay them on more affordable terms. It's a financial fresh start. It allows you to hit the reset button. What are the different types of bankruptcy The two most common bankruptcies are a Chapter 7, which is a liquidation, or a Chapter 13 which is a reorganization. Under a Chapter 7, the liquidation, you ask the court to wipe out or discharge the debts you owe. Under a Chapter 13, which is the reorganization,.

You file with the bankruptcy court proposing a plan to repay your creditors. Depending upon your ability to pay, sometimes debts have to be repaid in full, or partially repaid, or not repaid at all. So how does bankruptcy stop collection activities When you file a bankruptcy, a court order called an automatic stay goes into effect. The automatic stay prohibits most creditors from taking any action to collect on the debts you owe and prevents almost all other debt related legal actions from going forward. Does bankruptcy apply to all kinds of debt.

There are some debts that cannot be discharged in bankruptcy for example, child support, alimony, criminal penalties, and certain kinds of tax debts. Also, student loans are usually not dischargeable. How often can I file for bankruptcy Under a Chapter 7, you can only file after 8 years have passed since your last Chapter 7 discharge. For a Chapter 13, you must generally wait 6 years. In both cases, if your case is dismissed rather than discharged, you can often refile immediately. If I'm married, does my spouse have to file for bankruptcy, too.

Strictly speaking, no. But, if you have any financial obligations together, like both of your names on a mortgage, then it would make sense for both spouses to file for bankruptcy or the other spouse may end up owing the entire debt. These are just a few of the many questions we answer every day at our practice. We understand that bankruptcy can be very confusing, so we are happy to help you understand the process. In fact, at Keaveney Legal Group, we have helped many clients use the bankruptcy process,.

And other options, to get a fresh start. We would be happy to discuss the circumstances of your particular situation with you to help you determine what could be your best course of action. We offer a free, noobligation consultation, call us at 180021909' or email me at JimKeaveneyLegalGroup. I'm Jim Keaveney have a wonderful day! Mt. Laurel Phone 856 2707292 309 Fellowship Road Suite 200 Mt. Laurel, New Jersey 08054 Philadelphia Phone 215 7100713 1650 Market Street Ste. 3600 Philadelphia, PA 19103 Pittsburgh Phone 412 9273866 301 Grant Street Suite 4300.

IRS Data Retrieval Tool 20142015 FAFSA

The FAFSA offers you the option to import federal tax information directly from the IRS. your data should be available within one to two weeks of electronically filing your taxes or within six to eight weeks if you filed a paper tax return. however if your parents still owe taxes to the IRS the data will not be available until after the balance has been paid. this tutorial assumes that you have already submitted a FAFSA and is meant to help you update your application using the online IRS Data retrieval tool. if you have not yet filed the FAFSA.

We recommend that you watch our 7 Easy Steps to the FAFSA tutorials available on YouTube. Let's get started. first navigate to FAFSA on the web at fafsa.gov and select login at fafsa.gov and select login next you will enter your name, social security number, and date of birth. click next. if you have previously submitted an application you will have the option to Make FAFSA Corrections follow this link. then enter your PIN and the password you created when you filed your FAFSA and hit next. navigate to the financial information section.

The first question in this section will ask you if your parents have already completed an IRS income tax return. select already completed from the dropdown box and you'll be presented with a series of questions that determine your eligibility to use the tool. if you select no to each of the questions the option to enter your PIN and link to the IRS will display. follow this link. next you will be notified that you are leaving FAFSA on the web click okay. once on the IRS website enter the requested information. be sure that you enter all information exactly.

As it appears on your tax return. click submit. if the IRS is able to validate your identification your IRS tax information will display click transfer now and then return to the FAFSA website using the links provided. if you've filed your taxes you may proceed to student tax information in the financial information section of the FAFSA and repeat the steps to retrieve your tax information. once you've done that, continue to the sign and submit section and submit your corrections. it's as simple as that if your file is selected for verification your school can use this.

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Frequently Asked Questions About Bankruptcy.keaveneylegalgroup Do you have questions about bankruptcy, but not sure where to start Today Id like to go through some of the most common..

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