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Bankruptcy And Credit Counseling For Low And Moderate Income Clients
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Book Synopsis Bankruptcy and Credit Counseling for Low and Moderate Income Clients by : Massachusetts Continuing Legal Education, Inc. (1982- )
Download or read book Bankruptcy and Credit Counseling for Low and Moderate Income Clients written by Massachusetts Continuing Legal Education, Inc. (1982- ) and published by . This book was released on 1990 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Counseling and Consumer Bankruptcy for Low-income Clients by : New Hampshire Bar Association
Download or read book Credit Counseling and Consumer Bankruptcy for Low-income Clients written by New Hampshire Bar Association and published by . This book was released on 1997 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bankruptcy Reform written by Yvonne Jones and published by DIANE Publishing. This book was released on 2007-12 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005 requires individuals to receive credit counseling before filing for bankruptcy & to take a debtor education course before having debts discharged. Concerns were raised that the new requirements could expose consumers to abusive practices by credit counseling agencies or become barriers to filing for bankruptcy. This report examines: (1) the process of approving counseling & education providers; (2) the content & results of the counseling & education sessions; (3) the fees charged; & (4) the availability of & challenges to accessing services. Includes recommendations. Charts & tables.
Book Synopsis Financial Capability and Asset Building in Vulnerable Households by : Margaret Sherraden
Download or read book Financial Capability and Asset Building in Vulnerable Households written by Margaret Sherraden and published by Oxford University Press. This book was released on 2018-04-26 with total page 600 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial struggles of American families are headline news. In communities across the nation, families feel the pinch of stagnant and sometimes declining incomes. Many have not recovered from the Great Recession, when millions lost their homes and retirement savings. They are bombarded daily with vexing financial decisions: Which bills to pay? Where to cash checks? How to cover an emergency? How to improve a credit report? How to bank online? How to save for the future? Low- and moderate-income families have few places to turn for guidance on financial matters. Not many can afford to pay a financial advisor to help navigate an increasingly complex financial world. They do their best with advice from family and trusted individuals. Social workers, financial counselors, and human services professionals can help. As "first responders," they assist families and help in finding financial support from public and private sources. But these professionals are too often unprepared to address the full range of financial troubles of ordinary working families. Financial Capability and Asset Building in Vulnerable Households prepares social workers, financial counselors, and other human service professionals for financial practice with vulnerable families. Building on more than 20 years of research, the book sets the stage with key concepts, historical antecedents, and current financial challenges of families in America. It provides knowledge and tools to assist families in pressing financial circumstances, and offers a lifespan perspective of financial capability and environmental influences on financial behaviors and actions. Furthermore, the text details practice principles and skills for direct interventions, as well as for designing financial services and policy innovations. It is an essential resource for preparing the next generation of practitioners who can enable families to achieve economic security and development.
Book Synopsis A Survival Guide to Debt by : Mitchell Allen
Download or read book A Survival Guide to Debt written by Mitchell Allen and published by Greenleaf Book Group. This book was released on 2009 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: For readers who are paying bills with credit cards, cringing every time the telephone rings, avoiding stacks of unopened overdue notices, or facing foreclosure, Mitchell L Allen offers a practical resource full of hope. In this guide Allen empowers readers to make smart choices about how to emerge from debt and recover from the devastating financial and emotional effects of hard times. Unlike other debt-relief authors, Allen doesn't focus on bankruptcy or avoiding bankruptcy; he presents all of the options available and explains how to take advantage of them. He teaches readers: How to deal with financial trouble on their own, including negotiating with creditors; Where to find professional help with debt problems; How to determine if bankruptcy is the best solution; How to file for bankruptcy; How to regain control of their lives and their finances -- forever. Filled with proven and effective strategies for finding a way out of the debt forest, this guide provides the dearest path from debt-induced insanity .to financial security.
Book Synopsis Surviving Debt by : National Consumer Law Center
Download or read book Surviving Debt written by National Consumer Law Center and published by . This book was released on 1992 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bankruptcy for Low and Moderate Income Debtors by :
Download or read book Bankruptcy for Low and Moderate Income Debtors written by and published by . This book was released on 1991 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Divorce Bootcamp for Low- and Moderate-Income Women (6th Edition) by : Anna T. Merrill, Esq.
Download or read book Divorce Bootcamp for Low- and Moderate-Income Women (6th Edition) written by Anna T. Merrill, Esq. and published by Seraphim Press. This book was released on 2018-12-16 with total page 645 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the U.S. Census Bureau, the average woman's family income drops by 37% after divorce. Do you know what assets or how much alimony or child support you are entitled to receive? Has your spouse threatened to leave you penniless? Have you spoken to an attorney and gotten sticker-shock? Do you earn too much money to qualify for free legal aid? This book was written to help the low- and moderate-income women the legal system has abandoned by walking a hypothetical self-represented woman step-by-step through the divorce process, including: -- How to prepare financially to stand on your own two feet; -- What the court can, and cannot do for you; -- 'Legwork' that can save you money on legal fees and help you get a better outcome; -- How much child support and alimony you might be entitled to receive; -- Custody disputes … 'fatal flaws' and how you can fix them. -- How to show a judge that your spouse is lying about their assets and income; -- What property you are entitled to receive … and should ask for; -- Ways vindictive ex-spouses can hide money … and how to prove they are lying; -- Real life dirty tricks, traps, and pitfalls highlighted so you can avoid them; -- How to find a good attorney (if you can afford one), save money on legal fees, or combine “a la carte” legal advice with your own efforts if you can't afford to hire a full-service attorney; -- Mediation and court-connected Alternative Dispute Resolution … benefits and pitfalls; -- How to dig up information your spouse doesn't want you to know (discovery) like an attorney; -- Common court forms and how to fill them out; -- Separation Agreements dissected and clarified; including two blank fill-in-the form boilerplates which you can download and use in your own divorce; -- Sample discovery requests and motions – we’ll dissect each motion and show what information you can use it to get; -- Sample hearing scripts for common court hearings (including Restraining Order hearings, Temporary Order hearings, Custody Dispute hearings, Contempt hearings, and parts of a mock-Trial); -- Restraining orders … how to get one … how to keep one; Filled with helpful examples of common court forms and legal pleadings, this book will introduce you to everything you NEVER wanted to know about divorce … but need to come up to speed … FAST!!! This is the only self-help legal book written by a woman who was once in your shoes who later went back to school to become an attorney! BONUS: links to download, edit and print blank Separation Agreement forms. The 6th Edition has been completely updated with the latest case law, including ways to sensitively handle a Christian divorce, caveats regarding same-sex couple custody disputes post-Obergefell, and a completely rewritten Separation Agreement chapter with suggested clauses for unusual situations such as extraordinary school fees, private school or homeschooling. Book 1 of the "Divorce Bootcamp Self-Help Legal series" . KIRKUS: “A solid, informative self-help divorce guide. This exhaustive…guide covers a range of topics related to contested and uncontested divorces, including how to gather documentation of assets, estimate child support and alimony, and even, if necessary, obtain restraining orders. She discusses many topics related to asset division and child custody, including marital debt and visitation rights. The book is aimed at the broadest possible audience, but also discusses variations in state laws.” (Review of the 5th Edition). . Legal Disclaimer: This book is not meant to constitute legal advice. The author is licensed to practice law in Massachusetts. Links have been provided to direct women to their local court resources in all 50 states, but the court forms, case histories and property division examples used are loosely based upon Massachusetts examples. This book is NOT a replacement for consultation with a licensed local attorney.
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781976390364 Total Pages :60 pages Book Rating :4.3/5 (93 download)
Book Synopsis Bankruptcy Reform by : United States Government Accountability Office
Download or read book Bankruptcy Reform written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-15 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires individuals to receive credit counseling before filing for bankruptcy and to take a debtor education course before having debts discharged. Concerns were raised that the new requirements could expose consumers to abusive practices by credit counseling agencies or become barriers to filing for bankruptcy. GAO was asked to examine (1) the process of approving counseling and education providers, (2) the content and results of the counseling and education sessions, (3) the fees charged, and (4) the availability of and challenges to accessing services. To address these issues, GAO reviewed Trustee Program data and application case files, and interviewed a wide range of individuals and groups involved in the bankruptcy process.
Book Synopsis Credit Repair Tactical Guide by : J. C. Allen
Download or read book Credit Repair Tactical Guide written by J. C. Allen and published by . This book was released on 2021-11-22 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: A credit score is much more than just a number. A low score means worse interest rates on new lines of credit and a reduced likelihood of qualifying for loans. It can even jeopardize chances of getting a job and finding a place to live in some cases. Many people believe that when their debts are too high, they have no chance of repairing their credit score. However, this doesn't have to be the case as long as the knowledge of quickly raising one's credit score is understood. Credit excellence can be achieved through options like standard credit counseling, debt settlement, credit repair, and even bankruptcy.
Book Synopsis Credit Counseling and Mortgage Termination by Low-Income Households by : Valentina Hartarska
Download or read book Credit Counseling and Mortgage Termination by Low-Income Households written by Valentina Hartarska and published by . This book was released on 2005 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Published research on credit counseling and mortgage termination is surprisingly scarce, despite substantial growth in this industry. While the purpose of counseling is to assist low-income borrowers to improve their handling of debt and thereby reduce default, counseling may also improve the borrowers' understanding of their financial positions and thus induce optimal mortgage termination. Using a competing-risks framework, we study the effects on default and prepayment of a counseling program implemented in several Midwest states. We find weak evidence of that the default hazard was lower for graduates of the counseling program, but that their default behavior was more optimal. The prepayment hazard was higher for counseled borrowers, but their prepayment behavior was not more optimal. Overall, counseling seems to affect the lenders' profits, but the net effect should be evaluated both in terms of prepayment and default.
Book Synopsis The Bankruptcy Solution by : Peggy Palms
Download or read book The Bankruptcy Solution written by Peggy Palms and published by Adams Media. This book was released on 2003 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unlike other books on this topic, which take a dry, mechanical approach, "The Bankruptcy Solution" helps readers get past the shame around debt and make the law their ally when faced with financial hardships.
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781719261593 Total Pages :34 pages Book Rating :4.2/5 (615 download)
Book Synopsis Bankruptcy Reform by : United States Government Accountability Office
Download or read book Bankruptcy Reform written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-05-17 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bankruptcy Reform: Value of Credit Counseling Requirements Is Not Clear
Book Synopsis Bankruptcy Reform by : United States. Government Accountability Office
Download or read book Bankruptcy Reform written by United States. Government Accountability Office and published by . This book was released on 2007 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Money at Work written by Kevin J Delaney and published by NYU Press. This book was released on 2012-07-16 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial advisors, poker players, hedge fund traders, fund-raisers, sports agents, credit counselors and commissioned salespeople all deal with one central concern in their jobs: money. In Money at Work, Kevin Delaney explores how we think about money and, particularly, how our jobs influence that thinking. By spotlighting people for whom money is the focus of their work, Delaney illuminates how the daily practices experienced in different jobs create distinct ways of thinking and talking about money and how occupations and their work cultures carry important symbolic, material, and practical messages about money. Delaney takes us deep inside the cultures of these ‘moneyed’ workers, using both interviews and first-hand observations of many of these occupations. From hedge fund trading rooms in New York, to poker players at work in Las Vegas casinos, to a “Christian money retreat” in a monastery in rural Pennsylvania, Delaney illustrates how the underlying economic conditions of various occupations and careers produce what he calls “money cultures,” or ways of understanding the meaning of money, which in turn shape one’s economic outlook. Key to this is how some professionals, such as debt counselors, think very differently than say poker players in their regard to money—Delaney argues that it is the structure of these professions themselves that in turn influences monetary attitudes. Fundamentally, Money at Work shows that what people do for a living has a profound effect on how people conceive of money both at work and in their home lives, making clear the connections between the economic and the social, shedding light on some of our most basic values. At a time when conversations about money are increasingly important, Delaney shows that we do not merely learn our attitudes toward money in childhood, but we also learn important money lessons from the work that we do.
Author :United States. Congress. House. Committee on Education and Labor Publisher : ISBN 13 : Total Pages :1200 pages Book Rating :4.:/5 (44 download)
Book Synopsis Hearings, Reports, Public Laws by : United States. Congress. House. Committee on Education and Labor
Download or read book Hearings, Reports, Public Laws written by United States. Congress. House. Committee on Education and Labor and published by . This book was released on 1967 with total page 1200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law Publisher : ISBN 13 : Total Pages :330 pages Book Rating :4.:/5 (327 download)
Book Synopsis Bankruptcy Reform Act of 1998 by : United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law
Download or read book Bankruptcy Reform Act of 1998 written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law and published by . This book was released on 1999 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt:
