The bankruptcy law reads that one can only file for chapter 13 bankruptcy protection if their total debt falls below the defined debt limits.
Before I get distracted Ryan Griffin Jersey , let me give you the information you came for: the Arizona chapter 13 bankruptcy debt limits. A chapter 13 debtor must have non-contingent, liquidated unsecured debts LESS than $336,900 and non-contingent, liquidate secured debts of LESS than $1,010,650.
What does this mean? Chapter 13 bankruptcy debtors are limited in the amount of debt they have. If you have more than the above amount Denzel Mims Jersey , you may have a problem. But, let me be clear, you haven't struck out yet. This is where you need to consult an experienced bankruptcy attorney.
Let me tell you a little story. I recently met with a potential bankruptcy client that was under the impression she did not qualify for chapter 13 bankruptcy because her unsecured debt exceeded the allowed debt limit. Are you wondering how she accumulated that much unsecured debt? Good question.
Prior to meeting with me, she decided to turn her home over to the mortgage holder by way of a deed in lieu of foreclosure. For those not familiar with the term, in a deed in lieu of foreclosure, the property owner gives the property to the lender voluntarily in exchange for the lender canceling the loan.
The item transferred is the deed to the property. The lender promises not to initiate foreclosure proceedings La'Mical Perine Jersey , and to terminate any foreclosure proceedings already underway. The lender may or may not agree to forgive any deficiency balance that result from the sale of the property.
As a result, the entire mortgage balance was listed on her credit report as an unsecured debt. The house had not yet been sold, so the question of whether or not a deficiency was present could not be answered. However, it could be reasoned that the entire debt amount should not be included as a debt. The had the house, right? It had to be worth something.
We were able to file her petition with the said debt listed as disputed, and thus not included in her bankruptcy petition. Since filing the house has sold James Morgan Jersey , and the debt has been eliminated.
What is the moral of my story? It is true that you must abide by the chapter 13 debt limits as outlined in the bankruptcy code. However, consulting with a qualified bankruptcy lawyer never hurts. Many of us have quite a few tricks up our sleeves. Keeping Current With Home Wiring Projects
Posted by nick_niesen on October 27th, 2010
Some people get a charge out of doing their own home electrical work. Others fear getting zapped or creating even bigger repair problems. No matter which category fits you, there's a handy guide that lets you get current with the latest techniques-which could save you a bundle on service calls, as well as increasing the wattage of your smile.
"The Black & Decker Complete Guide to Home Wiring: 3rd Edition" (Creative Publishing International, $24.95) expands on the popular volume that has sold more than half a million copies Jets Kids Jersey , with tried-and-true projects and the latest fixtures-and enough information to help do-it-yourselfers meet the requirements of the 2005 National Electrical Code.
For example, one of the biggest challenges facing homeowners today is hooking up the many electronic components they own-computers and printers, home theaters and surround-sound systems, CD and DVD and DVR units, to name a few. Getting electronics to operate together correctly has its own dedicated chapter on how to solve this common source of frustration. You'll learn everything you need to know about home media connections, including how to create a high-definition home theater with surround sound. The book also includes:
• A full range of repair and upgrade wiring projects;
• Special circuit maps that take all the guesswork out of wiring lights Jets Youth Jersey , switches, receptacles and appliances;
• A dedicated chapter on connecting and networking home electronics; and
• Descriptions of how to use state-of-the-art wireless technology, such as "Bluetooth" and "wi-fi."
This last item is essential because technology is helping create homes with fewer and fewer wires and greater and greater freedom of movement and communication. The final chapter in the book covers this exciting technology, and will show you how to integrate computers, printers, telephones Jets Womens Jersey , audio and video equipment and more-all with no wires attached.
More rumblings of upsets last week from the Big 12, and the picture gets clearer in the South Division, and a little cloudier in the North. Iowa State pulled off a shocker in College Station last week pounding Texas AM 42-14. Texas continues to roll, but were tested early before blowing out Oklahoma State, and they have an easy week this week with Baylor. Nebraska dropped 2 straight losing to Oklahoma in Lincoln, somewhat of a surprise actually Black Jets Jersey , but turning it over 3 times, one for a TD will do you in versus an Oklahoma team who was impressive with what they had to work with, and on the upside of improvement, they had better players than Nebraska, I should know, since I was at the game!
Texas is swapping spots weekly in BCS rankings Jets Jersey Sale , and with Texas AM up and down this year, that date in College Station between Texas and Texas AM does not loom as large as it once was. Colorado with a squeaker win at K State last week still has a hold on the Big 12 North division, and they should be able to muster another win this week against Missouri, who lost to their border rival last week and may struggle in Boulder. Here are some takes on this weeks action:
Texas -28 @ Baylor
The Longhorns are dismantlin. Wholesale Authentic Jerseys Wholesale Replica Jerseys Wholesale NHL Jerseys Wholesale NFL Jerseys From China Wholesale NBA Jerseys Online Wholesale Nike NBA Jerseys Wholesale Cheap MLB Jerseys Wholesale Authentic MLB Jerseys holesale NCAA Jerseys Wholesale College Baseball Jerseys