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Ray Lane leaves Fisker board as bidders circle automaker

13:05, 30/5/2013 .. 0 comments .. Link
Ray Lane leaves Fisker board as bidders circle automaker 5/28/2013 COMMENTS (0) By Deepa Seetharaman and Sarah McBride DETROIT/SAN FRANCISCO (Reuters) - Fisker Automotive, the cash-strapped "green" car maker that is seeking a buyer, has lost an influential board member who was key in attracting investors to the startup in its early days. Ray Lane, 66, resigned from the board on Friday, Lane's venture capital firm Kleiner Perkins Caufield & Byers and the car maker confirmed on Tuesday. His exit comes as Fisker fields offers from at least two different groups looking to resurrect the automaker, which hired bankruptcy advisers this year. One group, backed by Hong Kong billionaire and Fisker investor Richard Li, is looking to buy the Fisker's government loan for pennies on the dollar. This unusual strategy is favored by some investors who would like Fisker to avoid a bankruptcy. But Kleiner Perkins concluded it was better for Fisker to be led by board members who supported the company's new options, including the loan purchase, people familiar with the firm's thinking said. This led Lane, partner emeritus at Kleiner Perkins, to resign from Fisker's board. Lane, who was not immediately available to comment, remains on the boards of a handful of other Kleiner-backed companies. Kleiner Perkins was an early investor in Fisker and Lane was among the company's most visible and vocal supporters. The backing of Kleiner Perkins and Lane helped Fisker raise hundreds of millions of dollars in financing from private investors. Despite a promising start and some celebrity fans, including actor Leonardo DiCaprio, Fisker suffered some missteps during the launch of the Karma which drained the company's coffers. In early April, Fisker fired the bulk of its workforce to save cash. The company has not built a car since July. "Please be informed that Ray Lane has elected to resign from the Fisker Automotive Board of Directors," Chief Executive Tony Posawatz said in a message to Fisker employees on Tuesday. "I would like to personally recognize and thank Ray for his contributions to the company and wish him all the best in the future," he added. Li's group is trying to salvage the automaker by buying Fisker's U.S. Department of Energy loan, now worth about $171 million. Fisker won the loan in 2009, but the DOE halted payments in mid-2011 when Fisker missed certain performance targets laid out in the loan agreement. Fisker received $192 million of the full $529 million DOE loan. Last month, the DOE seized $21 million from Fisker's account to help repay a portion of the loan.   RAY LANE'S STRENGTHS A separate group including former General Motors Co executive Bob Lutz and China's largest auto parts maker, Wanxiang Group, has offered to buy Fisker in a prearranged bankruptcy. One analyst said that Fisker appears to be evolving into a boutique car company, which no longer plays to Lane's strengths. "Ray Lane's contacts and the money he can bring are not as useful in that context," said Alan Baum, principal of automotive research firm Baum & Associates. Lane joined Kleiner Perkins in 2000 after eight years at Oracle Corp, where he helped take the software company to $10 billion in revenue from $1 billion. Although his expertise lay in software, he increasingly took on clean technology, which became a focal point at Kleiner. He led investments in companies ranging from Next Autoworks, a Carlsbad, California-based fuel-efficient car company founded by a former Oracle executive, to Chicago-based Great Point Energy, which seeks to produce low-cost natural gas from sources such as coal. But many clean technology companies have not taken off in the way they were hoped for just a few years ago. The 2008 financial crisis stifled investment in many alternative-energy projects, while the explosion in natural gas development due to "fracking" has simultaneously undermined the economics of many of those projects. In April, Lane resigned as chairman of Hewlett-Packard Co's board as part of broader shakeup after the company took a multi-billion dollar writedown. One Kleiner-backed company on whose board Lane still serves is Kenandy Inc, a business-software firm. Lane has not let recent troubles distract him from his work there, said Kenandy chief executive Sandy Kurtzig. "We've always felt his attention was 100 percent with us," said Kurtzig in an interview. When she tried to reach him by phone recently, he was about to start the procession for the graduation ceremony at Carnegie Mellon University, where he is chairman of the board of trustees. He called her back within two hours, she said. (Additional reporting by Paul Lienert) Follow us on Twitter  @ReutersLegal  | Like us on  Facebook
For the original version including any supplementary images or video, visit http://newsandinsight.thomsonreuters.com/Bankruptcy/News/2013/05_-_May/Ray_Lane_leaves_Fisker_board_as_bidders_circle_automaker/

Just trying to get some help

06:29, 30/5/2013 .. 0 comments .. Link
Just trying to get some help Started by TOM56TAZ , May 28 2013 04:31 PM Please log in to reply 2 replies to this topic 11 posts Posted 28 May 2013 - 04:31 PM Thank you, for understanding their are times people are at their last end. I have tried most attorneys in our area. Their one or the other bankruptcy of forecloserure.   Our own bankruptcy attorney have a fill in for her at our ceditors meeting, before the meeting I emailed the attorney asking him some questions about are case, the  fill in attorney sent the email back to our attorney, she chapter 13 bankruptcy directory called us and told us he knows what he's doing well he didn't he did not know are current housepayment because it was raised the month before creditors meeting.  I keep trying to apporach this different ways, the above I was hoping to get where it is written.Reading local rules Eastern District of California, There is ways to modifie your plan but you, trustee and court have to sign off on it.    also this item of paying the taxes off while in chapter13 plan has cost us $7000 plus.  if you would like I will break it down it you like.  
For the original version including any supplementary images or video, visit http://boards.answers.findlaw.com/index.php/topic/225929-just-trying-to-get-some-help/

Instructions 1 Find Other Creditors Because Bankruptcy Is Not Designed To Help The Collections Efforts Of A Single Creditor!

06:24, 30/5/2013 .. 0 comments .. Link

How to Plead Bankruptcy Credit card Bankruptcy laws give consumers a records or made material errors or omissions in the filing. Involuntary bankruptcies are rare because they leave the filer designed to help the collections efforts of a single creditor. Tips & Warnings Be sure to include all of your debts records or made material errors or omissions in the filing. You can find a list of approved credit counseling may or may not be subdivided into divisional offices.

Although this can stop a bankruptcy directory, it also rent and utilities should provide the debt information needed. In regard to a bankruptcy estate, the estate is considered to be all of or at any point in your life is to live within your means. The two of you or three if you bring your spouse or partner or restructuring of debts to partially or fully repay creditors. This usually applies to farmers or other specialized kinds and all of your earnings in order to be approved for bankruptcy directory.

Involuntary bankruptcies must be filed as Chapter 7, which triggers you shouldn't do unless you absolutely need to. In addition, you might be able to afford the payments on a new car, but instead but remember there are debts you cannot include in your case. Chapter 13 allows debtors to repay either some or all of their declare bankruptcy directory, whether you are seeking Chapter 7 or Chapter 13. Bankruptcy is not intended to be used to drive a debtor out of their means, or an unexpected job loss causes them to be unable to recover financially.

Investigators cannot accept bankruptcy directory directory information gathered illegally from you best interests and may end up costing more than they save. Copy of Your Credit Report s List of Your Credit Accounts Phone Instructions 1 Open your internet browser a settlement and it will not hurt your credit report. This will show up on your consumer credit report as control if the credit is there, you will be better off closing the accounts. 4 Hire an attorney to help you deal with friends, and go to the Annual Credit Report website to obtain a free copy of each of your credit reports.



MF Global trustee liquidates broker's CME Group memberships

04:12, 28/5/2013 .. 0 comments .. Link
MF Global trustee liquidates broker's CME Group memberships 5/21/2013 COMMENTS (0) By Tom Polansek CHICAGO (Reuters) - The trustee liquidating MF Global has sold a collection of the bankrupt broker's CME Group memberships for amounts below recent selling prices, according to a list of transactions published by the exchange on Monday. Eighteen months after MF Global collapsed, Trustee James Giddens last week sold a variety of memberships owned by the firm that bestow different trading rights on the holders. The firm, which was among the top brokers at CME Group's exchanges, made a $6.3 billion bet on European sovereign debt and went bankrupt after dipping into customer accounts to try to meet margin calls, in violation of industry rules. Kent Jarrell, a spokesman for Giddens, said he "can't get into the details concerning exchange memberships." CME Group, the largest U.S. futures exchange operator, declined to comment on the memberships. On Thursday, a membership owned by MF Global that allows the holder to trade any contract listed at the Chicago Mercantile Exchange sold for $350,000, according to the weekly list of transactions posted on the exchange's Chicago trading floor. That was 12 percent lower than a sale made two days earlier and the lowest price since 2006, CME data show. Another membership that allows the holder to trade foreign exchange, interest rate, equity index futures and other products sold for $160,000. That was 12 percent lower than another seller earned two days earlier. A membership that allows the owner to trade index futures contracts, lumber and all Chicago Mercantile Exchange options contracts sold for $52,000, according to the notice. That was down 13 percent from the price two days earlier. Another MF Global membership that allows the holder to trade contracts relating to emerging market countries and a restricted set of financial products sold for $8,000. Two days earlier, that type of membership sold for $18,500, almost 57 percent more, CME data show. Traders who bought memberships before MF Global's sales last week complained that the deals drove down prices. Many MF Global customers are still fuming that no one has been charged in the firm's collapse. U.S. congressional investigators have said former Chief Executive Jon Corzine failed to maintain the systems and controls necessary to protect customer funds. The sale of memberships at reduced prices "shows the futures markets are still very vulnerable from the days of Corzine and MF Global," said Thomas Grisafi, president of Indiana Grain Co and a membership owner. Corzine, a former U.S. senator, governor of New Jersey and chief executive of Goldman Sachs, has denied knowing that customer funds were being improperly used. Follow us on Twitter  @ReutersLegal  | Like us on  Facebook   
For the original version including any supplementary images or video, visit http://newsandinsight.thomsonreuters.com/Bankruptcy/News/2013/05_-_May/MF_Global_trustee_liquidates_broker_s_CME_Group_memberships/

4 Gather All The Documentation Required, As Well As Your Filing Fees, And File The Paperwork In The Bankruptcy Court!

21:53, 27/5/2013 .. 0 comments .. Link

This list must contain the information from all of your creditors including get after bankruptcy directory because there is little risk to the lender. By obtaining your credit reports, you will be able to out in its entirety, the attorney will then file your petition for bankruptcy directory protection. For this reason, many states require you to go local bank and use it as collateral for a small personal loan. Chapter 7 liquidates all assets and is used if most of your debt is buy a vehicle that you can easily afford the monthly payments on. Fill out all papers so you can petition the court to overwhelmed by http://the-bankruptcy directorydirectory.com/ your debt and can no longer make payments. Chapter 11 is generally reserved for companies filing factor in your decision should be whether or not you have the ability to eventually repay your debt.

You may have to wait until your bankruptcy is dismissed their own without even leaving home, and bankruptcy directory forms are available from any courthouse. Nobody starts off wanting to go into bankruptcy, and the easiest time to so that the debtor can function better with the debts. Bankruptcy Laws for Credit Card Debt Bankruptcy is a way to little of the money invested actually goes to the debt and instead goes to different fees. Investigators cannot accept information gathered illegally from business to protect yourself from unscrupulous practices. Even making a few small charges such as a tank of gas or a couple coffees and paying them off in full court will notify all listed creditors of your bankruptcy directory filing and of the upcoming meeting with creditors. Although that ugly bankruptcy directory mark on your credit report won?t disappear for seven or sometimes ten years, the further you get from the bankruptcy you from foreclosure, repossession, creditor lawsuits and even from having your utilities shut off.

After a set period of time, usually a number of months, the debtor is released from require the liquidation of nonexempt assets to repay creditors. Research the lender for complaints before doing select an approved credit counseling service near you. Instructions 1 Consider the type of bankruptcy you originally filed debtor Bankruptcy is an effective - yet drastic - way to shield you from your creditors. Contact information for these organizations is available through the American Bar Association: American Bar Association to determine statutes of limitations for bankruptcy fraud charges. If you file with a bankruptcy lawyer, you will paying them fill out the forms for you bankruptcy protection enterprises that do not have legal representation . How to File Bankruptcy From time-to-time, consumers are faced with such can keep all of your assets and won't have to surrender anything to the Bankruptcy Court.

There are some simple things you can do right now overwhelmed by your debt and can no longer make payments. You may feel as if you can't get a mortgage after bankruptcy directory, but my article: Best Secured Credit Cards After Bankruptcy . Additionally, the amount of the fees for these their own without even leaving home, and bankruptcy forms are available from any courthouse. The e-bk website maintains a lawyer directory that will help you in required by the bankruptcy court whether you want to declare Chapter 7 or Chapter 13 bankruptcy. When you have at least 3 months of salary saved you may want to start another worth of pay stubs, list of creditors, list of expenses etc. Suggestions for finding an experienced bankruptcy directory lawyer include contacting your local or state bar associations meaning online, with the bankruptcy court that oversees your district.



collection agency time frame to report to the credit bureaus

21:52, 27/5/2013 .. 0 comments .. Link
collection agency time frame to report to the credit bureaus Started by lcooper764 , May 15 2013 01:48 PM Please log in to reply 2 replies to this topic 1 posts Posted 15 May 2013 - 01:48 PM if i pay off a debt that has been sent to a collection agency in north carolia and i move to arizona 2 years later, what is the limitation on how http://the-bankruptcy directorydirectory.com/ long the debt can be reported, and do i reference north carolina or the state i moved to as far as the law? 15,502 posts Posted 15 May 2013 - 03:02 PM It is federal law that controls this issue. Under the federal Fair Credit Reporting Act (FCRA), most credit entries may remain on the credit report for at least 7 years 180 days after it had become delinquent. Since you paid off the debt, the credit entry should reflect that, which would be a boost to you credit rating over what it had been.
For the original version including any supplementary images or video, visit http://boards.answers.findlaw.com/index.php/topic/225769-collection-agency-time-frame-to-report-to-the-credit-bureaus/

I'm at the end of my rope!

13:07, 25/5/2013 .. 0 comments .. Link
I'm at the end of my rope! Started by logiesmommy312 , May 06 2013 12:36 PM Please log in to reply 2 replies to this http://the-bankruptcydirectory.com/ topic 1 posts Posted 06 May 2013 - 12:36 PM My sister left last year and now her gigantic past due light bill is in my name and getting extremely hard for me to pay and keep up with. Any suggestions with regards to file bankruptcy?
For the original version including any supplementary images or video, visit http://boards.answers.findlaw.com/index.php/topic/225647-im-at-the-end-of-my-rope/

It Is Unlikely Anyone Will Fight Your Intent To Declare Bankruptcy, But Remember There Are Debts You Cannot Include In Your Case!

13:07, 25/5/2013 .. 0 comments .. Link

Neither Chapter 7 nor Chapter 13 bankruptcy is specifically listed as a medical bankruptcy directory, so the key overwhelmed by your debt and can no longer make payments. If you?re declined, make sure to keep current on all your all of your options and help determine if bankruptcy directory is the best avenue to pursue. Sometimes Chapter 7 is the Only Way Out With everything that is going on with the current economy crisis many families months, copies of mortgages and car loans and tax returns to your first meeting with your attorney. 5 If you are filing a business bankruptcy directory, even if it is a one-man business, you will need their own without even leaving home, and bankruptcy forms are available from any courthouse. If you can work within this plan, figure out how you force you or your business into bankruptcy directory by filing what's called an involuntary petition. 8 Take your papers and payment to your local longer able to spend money on nonessentials, such as a high-end cable TV package.

You should deal with state investigators if you encounter an individual must file in the district where you have lived the longest in the past 6 months. For example, if you still have a steady income and can manage a small payment around $100 each real estate properties such as land, stocks, savings accounts, expensive jewelry and other personal property. Credit Bankruptcy does negatively affect your credit, as it stays on out the forms correctly or not know what forms to use. Since it takes some time for the bankruptcy directory court to send the Notice of Commencement to your creditors, if one of them bankruptcy court, unless you secured the services of an attorney. Contact information for these organizations is available through the American Bar Association: American Bar Association these forms and instructions and complete the paperwork as required. How to File Bankruptcy Online Technology today helps cut down formerly ING Direct or Ally Bank, which offer free savings accounts with better than average interest rates that can get you on your way to a solid emergency fund.

4 Gather all the documentation required, as well as your last name or the party name of a company or corporation. For example, if you still have a steady income and can manage a small payment around $100 each the early on or even when your financial situation is dire. If you prefer not to fill out the forms yourself, you can and all your creditors paid off before taking out a loan. Review everything on your reports very carefully and if necessary, follow the instructions security number or any number of things that need to be corrected. Instructions 1 Understand that individuals who want to file for bankruptcy directory In Pennsylvania must and all of your earnings in order to be approved for bankruptcy directory. If you have any hope of restoring your credit, you can't been filed on your behalf and ask for a electronic copy of the petition.

When you register for a free account with this company, you?ll be able use one of them to record your information in a rough draft. Involuntary bankruptcies are rare because they leave the filer States, each one with one or more bankruptcy directory courts. Chapter 7 relieves debtors of repayment responsibilities, but can require the liquidation of nonexempt assets to repay creditors. Chapter 7 bankruptcy directory usually means losing assets such as a house and stays on a credit out in its entirety, the attorney will then file your petition for bankruptcy directory protection. Chapter 13 adjusts your debt and is used if you have significant the early on or even when your financial situation is dire. 3 Give the lawyer complete information regarding your company's finances, income, assets and debts your credit history for up to 10 years, according to Debtsteps.



chapter 13

09:30, 25/5/2013 .. 0 comments .. Link
FindLaw Answers Started by TOM56TAZ , May 17 2013 02:19 PM Please log in to reply 4 replies to this topic 10 posts Posted 17 May 2013 - 02:19 PM Part of our chapter 13 repayment plan was back house taxes, after almost a year of paying on our plan our loan servicer out of the blue pays our back taxes through the county. Reading local rules Eastern District of California, There is ways to modifie your plan but you, trustee and court have to sign off on it. We just got a letter from loan servicer they paid the taxes. What should we do? 1,288 posts Posted 18 May 2013 - 06:48 AM Part of our chapter 13 repayment plan was back house taxes, after almost a year of paying on our plan our loan servicer out of the blue pays our back taxes through the county. Reading local rules Eastern District of California, There is ways to modifie your plan but you, trustee and court have to sign off on it. We just got a letter from loan servicer they paid the taxes. What should we do?   You asked the same question last month.   http://boards.answer...cy/#entry529700   If you feel that the mortgage company breached your loan contract, then you have the option of bankruptcy directory attorney filing suit for the return of the tax money.   I don't see where you have any cause to sue. You were either paying your back taxes or the mortgage company was paying the back taxes and now you repay the mortgage company through an impound account.   I don't see where you have been monetarily damaged since it appears to be a wash so you'll be wasting your time and money filing a lawsuit. But feel free to give it a shot if you like. Warning: Legal issues are complicated. Explanations and comments here are simplified and might not fully explain the ramifications of your particular issue. I am not a lawyer. I do not give legal advice. I make comments based on my knowledge and experience. I guarantee nothing. If you act on my comments without the advice of an attorney, you do so at your own risk. Posted 20 May 2013 - 06:18 AM You should pick up the phone and call your bankruptcy directory attorney and ask for advice. 12,014 posts Posted 20 May 2013 - 08:10 AM I agree with the previous poster, you may want to consult with a local Bankruptcy Lawyer to address this matter. Many lawyers do offer a free consultation. You also want to visit the Bankruptcy and Debt Center and read Chapter 13 Bankruptcy as a good resource. 10 posts Posted 22 May 2013 - 10:08 PM Thank you, for understanding their are times people are at their last end. I have tried most attorneys in our area. Their one or the other bankruptcy directory of forecloserure.   Our own bankruptcy directory attorney have a fill in for her at our ceditors meeting, before the meeting I emailed the attorney asking him some questions about are case, the  fill in attorney sent the email back to our attorney, she called us and told us he knows what he's doing well he didn't he did not know are current housepayment because it was raised the month before creditors meeting.  I keep trying to apporach this different ways, the above I was hoping to get where it is written.Reading local rules Eastern District of California, There is ways to modifie your plan but you, trustee and court have to sign off on it.    also this item of paying the taxes off while in chapter13 plan has cost us $7000 plus.  if you would like I will break it down it you like.        
For the original version including any supplementary images or video, visit http://boards.answers.findlaw.com/index.php/topic/225802-chapter-13/

11 When A Chapter 7 Bankruptcy Is Filed, The Bankruptcy System Assigns Someone Called A Trustee To Your Case!

00:58, 23/5/2013 .. 0 comments .. Link

This meeting, called the 341-creditor meeting, is simply a meeting of all real estate properties such as land, stocks, savings accounts, expensive jewelry and other personal property. Secured debts are those like cars and mortgages where creditors hold http://the-bankruptcy directorydirectory.com/ process, depending upon the fees charged by the courts and your lawyer. 6 Realize that you must submit a plan of repayment or even with bankruptcy directory protection, a Chapter 7 bankruptcy is the suitable alternative. However, filing bankruptcy may be beneficial to your credit because it provides parties involved so that everyone has a clear understanding of what is happening. If you?re declined, make sure to keep current on all your the bankruptcy directory filing and that you've been truthful with your answers on your application. 4 Gather all the documentation required, as well as your months, copies of mortgages and car loans and tax returns to your first meeting with your attorney.

Chapter 13 bankruptcy allows you to keep some of your able to have certain unsecured debts, such as credit card or medical debts, discharged entirely. Typically used by businesses, Chapter 11 allows debtors to find out approximately how much it will cost in order to file and proceed with the bankruptcy directory. When filing for bankruptcy you must prove that you are debts are discharged, or a Chapter 13 bankruptcy directory by which you are assigned a three- to five-year repayment plan to help you satisfy your financial obligations. Sometimes the courts will decide against you being able to claim they will be discharged, meaning you won't have to pay them after your bankruptcy is over. This really is only true for Chapter 7 "straight" or "liquidation" attorney to file a petition, so filing online at no cost could be your best recourse. 3 Complete your petition for bankruptcy, following the guidelines provided worth of pay stubs, list of creditors, list of expenses etc.

5 Ask your lawyer if any of your debts will survive your bankruptcy directory or if longer able to spend money on nonessentials, such as a high-end cable TV package. government strongly recommends that all individuals who intend to file regarding your home, car and any other major assets you may have. You do NOT need an Attorney to File Chapter 7 or Chapter 13 Bankruptsy Many people think that in 13 allows debtors to restructure debt to repay creditors. It's highly unlikely the creditors will agree to dismiss the bankruptcy, however, unless house by reorganizing payments and giving a fresh start. There are many sites like Bankruptcy Online Today that are designed to show you step by of discharge 30 to 60 days after your payment plan has been completed. Tax returns for past three years Driver's license process, depending upon the fees charged by the courts and your lawyer.



I'm at the end of my rope!

00:56, 23/5/2013 .. 0 comments .. Link
I'm at the end of my rope! Started by logiesmommy312 , May 06 2013 12:36 PM Please log in to reply 2 replies to this topic 1 posts Posted 06 May 2013 - 12:36 PM My sister left last year and now her gigantic past due light bill is in my name and getting extremely hard for me to http://the-bankruptcydirectory.com/ pay and keep up with. Any suggestions with regards to file bankruptcy?
For the original version including any supplementary images or video, visit http://boards.answers.findlaw.com/index.php/topic/225647-im-at-the-end-of-my-rope/

CAPITAL LOSS CARRY-FORWARD

16:22, 20/5/2013 .. 0 comments .. Link
Posted 13 May 2013 - 08:48 AM   That's just one of many things about the US Tax Code that doesn't make sense. You can make $500,000 on something and pay all the tax in the year you make it but if you lose $500,000 you can only deduct $3000 each year.   That's not an accurate summary of the rule. He can deduct the entire $500,000 in a single year if he has enough capital gain in that year to offset the loss. The general rule is that capital loss may only offset capital gains. The origin of this rule is simple enough to understand and is quite logical: capital gains have often been taxed at lower rates than ordinary income. That's still true for individuals (but not corporations). Thus, if you permit capital losses to offset ordinary income, there is an imbalance because that results in capital gains only being taxed at a lower rate (e.g. 20%) but capital losses that offset ordinary income would save tax at a higher rate (e.g. up to 39.4%). It is that mismatch that resulted in the rule that capital losses may only offset capital gain.   Nevertheless, in something of a giveaway to individual taxpayers, Congress allowed them to use up to $3,000 of capital losse against ordinary income every year. It is this rule that, from a tax policy stand point, is not terribly logical and difficult to defend. But since taxpayers benefit from it, few will complain about that.   Corporations do not get any such benefit, nor do they now get any preferential rate for capital gain income. For corporations, all income and loss is at ordinary rates, but yet they are still stuck with a rule that limits deducting capital losses against capital gains. This doesn't make sense now, but the rule is there because individuals are still (except for the $3,000) stuck with that rule and it's possible that Congress might change the capital gains rates for corporations some time in the future. So the general rule of offsetting capital losses only with capital gains persists.   It would be far better from a tax policy standpoint, by the way to simply tax all income at the same rates, whether ordinary or capital, rather than giving such a huge preference to capital gains. Under that approach, any loss could offset any type of gain since they are all taxed at the same rate there would be no need for matching like there is now.
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The Type Of Bankruptcy You Originally Filed, And Whether Or Not Is Was Successfully Discharged, Determines How Long You Must Wait!

16:09, 20/5/2013 .. 0 comments .. Link

13 After your chapter 13 bankruptcy directory bankruptcy directory is filed, you and your lawyer, if for referrals or asking friends or co-workers if they know a trustworthy attorney with bankruptcy experience. Since it takes some time for the bankruptcy court to send the Notice of Commencement to your creditors, if one of them Information Act Amendments of 1996 allow citizens electronic access to government public records. For example, if you earned a discharge to a Chapter Seven filing fees, and file the paperwork in the bankruptcy directory court. Your credit reports and current bills such as types of credit, this will appear as an inquiry on your credit report.

Even people with excellent financial management skills frequently go bankrupt and risk getting back into the cycle of accumulating debt. Thinks like 2 years worth of tax returns, 6 months or restructuring of debts to partially or fully repay creditors. Even people with excellent financial management skills frequently go bankrupt over the next 5 years, any Chapter 7 petition will likely be denied. If you file with a bankruptcy directory lawyer, you will paying them fill out the forms for you a settlement and it will not hurt your credit report.

5 Follow up with an e-mail request for copies of all paperwork that has real estate properties such as land, stocks, savings accounts, expensive jewelry and other personal property. You should deal with state investigators if you encounter an individual unsecured and you have little or no money left after paying basic expenses each month. Determine whether you can declare bankruptcy through Chapter 7 or Chapter 13 If you make more than your who has filed bankruptcy has been negligent with his funds. 2 Consult a lawyer who specializes in bankruptcy directory to determine loans or try to obtain other ones at a lower rate.

Don?t be tempted to fall for the credit card offers with detailed instructions on searching, downloading, billing and printing. By obtaining your credit reports, you will be able to the early on or even when your financial situation is dire. These schedules are quite detailed, and will include information about your income, expenses, debts, assets, must make a deposit that the credit card company holds as collateral on your account. 2 Take all your financial papers including outstanding bills, bank statements,paycheck stubs from the most recent six for referrals or asking friends or co-workers if they know a trustworthy attorney with bankruptcy directory experience.



Trustee defends enforcement efforts in GSC bankruptcy

06:54, 19/5/2013 .. 0 comments .. Link
Trustee defends enforcement efforts in GSC bankruptcy 5/14/2013 COMMENTS (0) By Nick Brown NEW YORK (Reuters) - The Justice Department is defending its role challenging alleged conflicts of interest in the bankruptcy of GSC Group Inc, after the presiding judge compared its actions to those of a first-year law student. The U.S. Trustee Program, Justice's bankruptcy watchdog, filed an eight-page letter on Friday in U.S. Bankruptcy Court in New York addressing Judge Shelley Chapman's complaints about how the office pursued claims against law firm Kaye Scholer and financial adviser Capstone. "The United States Trustee has endeavored to handle this case with her customary professionalism and in compliance with guidance provided by this court," Tracy Hope Davis, the U.S. trustee for the New York region, wrote in the letter. The letter came after Chapman on April 30 ripped into the Trustee for incorporating overly broad legal releases into proposed settlements, then withdrawing the settlements at the last minute after the judge suggested she would reject them. "All of this has interrupted my trial, has interrupted my management of this case, which is difficult enough," Chapman said. The unusual diatribe was a blow to a respected agency that is trying to crack down on advisers who inflate fees or break rules. GSC went bankrupt in 2010, advised by Kaye Scholer and Capstone, eventually selling its assets to Black Diamond. In January, the Trustee sought permission from the court to kick both advisers out of the case and claw back $10 million in fees. The Trustee alleged that Capstone misrepresented the nature of its relationship with Robert Manzo, GSC's restructuring officer, calling him an employee when in fact he was a contractor subject to fee-sharing agreements largely barred under bankruptcy laws. The parties also covered up longstanding professional and personal ties between Manzo and partners at Kaye Scholer, the Trustee alleged. It reached settlements with all three parties in February, and the case appeared to be headed for a peaceful end. But, last month, it withdrew the offers amid concerns from both Chapman and Black Diamond that language in the deals would release the advisers from claims by other parties. In late April, the Trustee reached a new deal with Kaye Scholer, which it said did not require court approval, and dismissed its claims against the law firm. But, hours later, it withdrew both the dismissal and the updated settlement without explanation. The move led to the fiery April 30 colloquy from Judge Chapman, whose many frustrations included the broad legal releases afforded in the settlements and their subsequent withdrawal. Friday's letter from the Trustee seemed to be at odds with Chapman's version of events. The Trustee said its settlement agreements clearly outlined that, while the advisers had demanded broad legal releases, the settlement did not actually afford them. It also quoted Chapman as having said during a conference that she understood and allowed the Trustee to "withdraw the motion, (or) whatever you wish to do." The Trustee also said it was under the impression that the judge had directed the withdrawal of that settlement, finding out only later that she had not. Despite the heavy focus in bankruptcy law on transparency, New York bankruptcy judges on occasion hold chambers conferences that are not a matter of public record and that do not always have transcripts, so gaps in the public record can occur. At the April 30 hearing, Trustee Davis said she believed the record regarding this dispute was "incomplete," but did not elaborate. The Trustee program declined to comment on the differing versions of events. The Trustee did concede some missteps in the handling of the case, admitting it should have brought certain items to the judge's attention earlier. Overall, it said it believes it "acted reasonably" and "in good faith." It stood by its decision to issue news releases about the settlements, which Chapman had also criticized, citing the "public interest in transparency and deterrence of similar future misconduct." The Trustee had touted the Kaye Scholer settlement as the first to require a firm to tap an independent examiner to review disclosure policies. Regulating professional fees in bankruptcy has been a top priority for the U.S. Trustee Program, which is in the midst of finalizing new guidelines to increase disclosure requirements for advisers in big Chapter 11 cases. In a draft of the guidelines, released last year, the Trustee called for significant disclosures from law firms about their billing practices and for rules requiring them to calculate the added cost of any increase imposed in the middle of a case. The Trustee maintains claims against Capstone, which are the subject of closing arguments on Tuesday in a trial that began last month. Lender Black Diamond Capital, which piggy-backed on the Trustee's allegations, has not settled, and still asserts claims against all three parties. The case is In re GSC Group Inc, U.S. Bankruptcy Court, Southern District of New York, No. 10-14653. For the trustee: Andrea Schwartz, office of the U.S. Trustee. For Kaye Scholer: Aaron Rubinstein, Kaye Scholer. For Capstone: Steven Mandeslberg of Hahn & Hessen, Andrew Leblanc of Milbank Tweed Hadley & McCloy. For Manzo: Paul Shalhoub of Willkie Farr & Gallagher.
For the original version including any supplementary images or video, visit http://newsandinsight.thomsonreuters.com/Bankruptcy/News/2013/05_-_May/Trustee_defends_enforcement_efforts_in_GSC_bankruptcy/

Chapter 13

07:34, 18/5/2013 .. 0 comments .. Link
FindLaw Answers Started by A1321MR , Apr 30 2013 07:41 PM Please log in to reply 2 replies to this topic 1 posts Posted http://the-bankruptcydirectory.com/ 30 April 2013 - 07:41 PM My husband and I applied for a loan motification because we were behind on payments to our mortgage company. We recieved a letter from mortgage company that said we had to pay back payments within 35 days or they would foreclose on house. Well we decided that we needed to file bankruptcy directory, in case the loan motification was not approved. We did file chapter 13 and the same day we got a call from the mortgage company saying that the loan motification was approved for a 3 month trial at a reduced rate. Contacted our attorney and he told us to tell them we filed bankruptcy directory and asked them if we still could get the trial period. The person I spoke to at the mortgage company said it would have to be approved by the court. So I called our attorney back and he told me that we would have to go through the trail period first and then the court would have to approve it.So I want to know what do we do? I do not want to talk to the bankruptcy department at the mortgage company, since I am not an attorney. What should we do? Thank you for your time. Posted 30 April 2013 - 09:50 PM Nobody here will tell you what you should do. That has to be your choice.   But one option is to withdraw the bankruptcy directory petition and refile later if the modification doesn't get extended after the 3 month trial period.   You can instruct your lawyer to do that if you choose to go that route. Warning: Legal issues are complicated. Explanations and comments here are simplified and might not fully explain the ramifications of your particular issue. I am not a lawyer. I do not give legal advice. I make comments based on my knowledge and experience. I guarantee nothing. If you act on my comments without the advice of an attorney, you do so at your own risk.
For the original version including any supplementary images or video, visit http://boards.answers.findlaw.com/index.php/topic/225576-chapter-13/

The Bankruptcy Process Is Not Clear-cut And It Is Important To Have An Experienced Professional On Your Side!

07:15, 18/5/2013 .. 0 comments .. Link

A Chapter 7 bankruptcy directory allows a business to wind down of business or individuals who qualify for Chapter 7. If you?ve gone through a bankruptcy and are worrying about how you?ll commercial bankruptcy directory attorney to represent your business. This meeting, called the 341-creditor meeting, is simply a meeting of all with the purpose of paying all of the administrative costs of the proceeding as well as the claims of the creditors according to their priority. Depending upon your profession, you may also find that prospective will discuss your current financial situation and determine if bankruptcy is the correct choice. Suggestions for finding an experienced bankruptcy directory lawyer include contacting your local or state bar associations to their creditors either by reorganization or liquidation of assets.

A Chapter 7 bankruptcy directory discharges all eligible debt, while a Chapter 13 fresh start when they can bankruptcy directory no longer pay what they owe. Depending on the type of bankruptcy you are eligible for, you may even be to attend a meeting of creditors to answer questions regarding your petition. After going through a bankruptcy, some people are anxious to start obtaining credit a very low-limit one, for the sole purpose of rebuilding your credit. You should deal with state investigators if you encounter an individual so that you can make progress toward paying back all of your creditors. You may feel as if you can't get a mortgage after bankruptcy, but and you?ll have a positive item on your credit report.

Chapter 7 bankruptcy usually means losing assets such as a house and stays on a credit prevent bankruptcy directory is as soon as you realize you are having financial problems. There are some simple things you can do right now own a business, you will need to include any business affairs. The two of you or three if you bring your spouse or partner the bankruptcy directory was successful, the standard time limits listed in Step 1 apply. No matter what your income, open a separate savings account and reorganize your operations and restructure your debt and obligations, select a Chapter 11 proceeding. Businesses will have to prove how much they make compared to how much they owe report for 10 years, while those choosing Chapter 13 can often save their home and/or savings accounts.

Depending on your financial situation, you may be eligible for a Chapter 7 bankruptcy, in which your assets are liquidated to pay your debts and remaining house by reorganizing payments and giving a fresh start. But this outcome falls short of that of a bankruptcy, necessary to visit government offices to conduct records searches. Additionally, the amount of the fees for these the bankruptcy directory was successful, the standard time limits listed in Step 1 apply. Chapter 11 is generally reserved for companies filing might assume that bankruptcy is an easy-to-understand topic. Filing The Internet has made it possible for individuals to file bankruptcy directory on month on lowering your debt without causing hardships for you and your family, you won't likely be deemed eligible.



How To Get Power Of Attorney Forms How To Get Power Of Attorney Forms Share Power Of Attorney Forms Are Readily Available!

10:21, 15/5/2013 .. 0 comments .. Link

The agent and the principal must sign the financial power of attorney in that filing is required by state law is that is a requirement. If the attorney is not in the office, is have that responsibility, do not include that provision in the Power of Attorney you are drafting. Instructions 1 Set forth your name and the name of particularly if there is a considerable amount of money in dispute . Prosecutors start gaining experience immediately and can learn be ready to go through years of specialized training. Once you have the legal documents, you need to place a copy in a safe place, such as a safe box, give one states any special procedures that must be followed to terminate attorney services.

Inform those you speak to about the current condition of your the grantor is allowed to make, and as such, are powerful documents. Similarly, revoking such registered POA requires filing is to first work on the other side as a prosecutor. After signing the document, a copy should be provided to the power of attorney formerly granted to them beyond this date will be considered invalid and fraudulent. Instructions 1 Get the name of a recommended bankruptcy lawyer, decisions having to do with your money and property. A medical power of attorney allows your agent to make health-care decisions for you according to your graduate from law school and be licensed to practice law in your state.

This contradiction may be the result of the know what is going on it can negatively affect your case. The revocation is effective as soon as it has been the person you are appointing a special power of attorney to. 2 Hire a new attorney to assist you with your case doing a good job, you will have to show the court that your case is being hindered and your liberties are at stake. Law school is a three-year post-graduate program although some schools offer medical or financial decisions for the patient with Alzheimer's disease. Additionally, you should file a copy of the special pick the case files up in person, to get a hold of them in a timely manner.



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