Sued By Creditors Bureau USA? Consider Hiring an Attorney.

Often when I meet with clients who are dealing with Creditors Bureau USA I can see the worry and exhaustion in their eyes.  Many creditors have earned a bad named for unethical practices. 


Many times here in Fresno County people who get sued by Creditors Bureau USA will try and represent themselves.  How quick they find out why practicing law is a full time profession – they get flooded with paperwork both from Creditors Bureau USA and from the Fresno Superior Court.

On your own, you will struggle to find out what all this means.  For instance, if you have not already attended the Case Management Conference, you will learn that it is not trial, but a meeting with the Court's staff to set up a trial date.  Thus, it is not the end, but, but only the beginning. 

If you aren’t sure what the paperwork means you end up spending all of your evenings searching the Internet hoping to find information that is useful.  Maybe you are doing that now.

But it doesn’t have to be that way.  Frankly, one of the greatest benefits of hiring an attorney to help you with your Creditors Bureau USA lawsuit is peace of mind.  You can hire a lawyer full time and you get your life back.  You can hire a lawyer for consultation services, so you can quickly get on track and know you are doing things right. 

Hiring an attorney like me is not going to break the bank.  It will cost money, but it will be worth it.  There are attorneys like myself that have alternative billing practices (as compared to most attorneys), that will make it some what easier to get an attorney involved.

So the question you have to ask yourself is if it will be worth hiring an attorney, at least on a consultation basis.  The alternative is spending hours wondering if you are doing it right.  I am biased.  Truly, though, you are much more likely to get a favorable outcome.

Attorney Ken Jorgensen is located in Clovis, California.  He handles personal, property and business disputes, including bankruptcy and eviction cases.  You can find out more about Ken on Facebook, or at his websites, www.fresnolawgroup.com and www.fresnobankruptcylawgroup.com.  He can be reached at jorgensenlaw@gmail.com or by telephone at 1-559-324-1882.

Photo credit: http://www.flickr.com/photos/betsssssy/

Challenges Ahead! Filing Chapter 7 Bankruptcy Gets Tough on November 15, 2013.

Bad news for families needing to file bankruptcy in Fresno!  Beginning November 15, 2013, families will need to make almost $500 less per year to qualify to file chapter 7. 

In order to qualify for a Chapter 7 bankruptcy, most families have to pass the "means test".  In very simple terms, the "means test" takes a family's "net" income and measures it against established guidelines.  Those guidelines become tougher beginning November 15, 2013.   

If you are single, the new median family income is $47,798.  It used to be $48,415.  A family of 2 is allowed $62,009.  It was $63,030.  A family of three is $66,618.  It was $67,401.  A family of four is now allowed $75,111.  It used to be $75,656.  If you have a larger family, add $8,100 for each member in excess of 4.  You can view the guideline table at the United States Department of Justice's website:http://www.justice.gov/ust/eo/bapcpa/meanstesting.htm

If you are contemplating filing Chapter 7 bankruptcy and you are close to these means test numbers, it would be wise to file Chapter 7 before November 15, 2013.  

The new "means test" data changes frequently.  These numbers should be good until April 15, 2014.

Attorney Ken Jorgensen is located in Clovis, California.  He handles personal, property and business disputes, including bankruptcy and eviction cases.  You can find out more about Ken on Facebook, or at his websites, www.fresnolawgroup.com and www.fresnobankruptcylawgroup.com.  He can be reached at jorgensenlaw@gmail.com or by telephone at 1-559-324-1882.

Photo Credit: http://www.flickr.com/photos/nathanf/