Top IRS tax attorney in Houston, TX? After the lawsuit is filed, the creditor will hire a constable or private process server whose job is to deliver a copy of the lawsuit to you (this process is what is referred to as ‘being served’). The constable or private process server will usually be looking for you at your last known address. Occasionally they will attempt to serve you are your place of employment. If the constable or private process server cannot find you to serve you (for example, if they have an incorrect or outdated address or if you are at work each time they come by), the lawyers may ask the judge for permission to serve you by another method – such as leaving the lawsuit at your house with anyone over the age of 16 or affixing the lawsuit to your door.

As a bankruptcy lawyer in Houston, I primarily help people and companies file Chapter 7 bankruptcy and Chapter 13 bankruptcy. I also help both individuals and companies resolve other debt issues. I have been practicing as a Chapter 7 lawyer in Houston and as a Chapter 13 lawyer in Houston for over 5 years. I believe that customer service should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

When you are in a tough financial situation, the IRS may consider your debt to be uncollectable (sometimes called ‘Code 53’ due to the internal computer code the IRS uses). If collecting from you means you may not be able to put food on the table, pay for medical treatment, hold down a job, etc., the IRS may deem the debt uncollectable. The downside is that this is not permanent and interest and penalties continue to accrue. The IRS can periodically evaluate your situation and can move you out of uncollectable status in the future. This is a band-aid approach and should be used only if the situation is right. Read additional information at https://dovebankruptcylaw.com/houston-tax-attorney/.

Earned Income Tax Credit (EITC): Millions of lower-income people take this credit every year. However, 25% of taxpayers who are eligible for the Earned Income Tax Credit fail to claim it, according to the IRS. Some people miss out on the credit because the rules can be complicated. Others simply aren’t aware that they qualify. The EITC is a refundable tax credit—not a deduction—ranging from $529 to $6,557 for 2019. The credit is designed to supplement wages for low-to-moderate income workers. But the credit doesn’t just apply to lower income people. Tens of millions of individuals and families previously classified as “middle class”—including many white-collar workers—are now considered “low income” because they: lost a job, took a pay cut, or worked fewer hours during the year. The exact refund you receive depends on your income, marital status and family size. To get a refund from the EITC you must file a tax return, even if you don’t owe any taxes. Moreover, if you were eligible to claim the credit in the past but didn’t, you can file any time during the year to claim an EITC refund for up to three previous tax years.

To be eligible to file for Chapter 13 bankruptcy, an individual must have no more than $394,725 in unsecured debt, such as credit card bills or personal loans. They also can have no more than $1,184,200 in secured debts, which includes mortgages and car loans. These figures adjust periodically to reflect changes in the consumer price index. One of Chapter 13 allows you to stop an effort to foreclose on your home. Filing a Chapter 13 petition suspends any current foreclosure proceedings and payment of any other debts owed. This buys time while the court considers the plan, but it does not eliminate the debt. Hopefully, the bankruptcy plan will free enough of your income that you’ll be able to make regular mortgage payments and keep your house.

Pick Up Capital Gains if You’re in a Low Tax Bracket: The end of the year is also a good time for some people to sell stocks that have appreciated significantly in value. This can be a particularly good strategy for those who are in the 10% and 12% tax brackets since their capital gains tax may be zero. The stocks can then be repurchased, which resets the basis and minimizes the amount of tax to be paid on future gains. Even if you’re not in the lowest tax brackets, you may want to sell winning stocks to reset the basis if you’re also harvesting losses. “What you want to do is balance (gains) with stocks that have losses,” Barlin says.

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy? Chapter 7 and Chapter 13 are the two common types of bankruptcy that affect consumers. Either could help when you don’t have the means to pay all your bills, but there are important differences between the two. A Chapter 7 bankruptcy can wipe out certain debts within several months, but a court-appointed trustee can sell your nonexempt property to pay your creditors. You also must have a low income to qualify.

Top law assistance UK today? Rev. Dane Marks and co-founders launch The Community Law Project UK Ltd to help people facing legal issues get support. Court statistics for England and Wales for the year 2019 have reported 4.2 million cases where 2.0 million from civil courts, 1.5 million from magistrates, 393,000 from tribunals, 266,000 from family courts and 104,000 from crown courts.

These statistics shows that the majority of the cases are civil and family cases and this high volume may tend to unnecessary amounts of outstanding cases, longer waiting times, costs to both the government and the parties who are present at the court. This shows the necessity of an advancement in the current court system with information technology and related solutions.

The co-founders, Rev. Dane Marks, Daniel Onafuwa and Samantha Yarwood and the genius and passionate team of Law Students and Graduates have come together to offer their support for minimal fees to assist people facing legal issues. The team will offer their support in helping compile evidence, draft case notes and find legal representation to support people in the poorest and most marginalised areas. They will also offer low cost support to law firms and barristers to enable them to focus on their cases.

Rev. Dane Marks explains, ‘since studying law and learning the issues of people facing legal problems and the problems the courts are having with the current backlogs, we will help in the best way we can.’

Watch Courts Online is another essential component of the plan that is a subscription-based, international, online live court-based TV channel with legal commentary. Primarily it is for educational purposes but will allow customers to watch a range of court cases in any jurisdiction they choose with relevant legal commentary. The Community Law Project UK Ltd is a community based legal support company to assist those facing difficulties accessing legal support and solutions due to the low level of income and less awareness of legal matters. The Courts Online and Watch Courts Online are creating new marketplaces and new demand. Accordingly, the competition is irrelevant in the current context. Marketing and sales plans are focused on increasing customer awareness for a better expansion and a loyal customer base. Find even more info on Community Law Project UK.

Partner spotlight: NWAMI hosts a variety of events which provide opportunities for people from all over the world to showcase their talents and provide a taste of their own culture. In the past this has involved taking groups to parliament to discuss issues of integration and welfare. The groups were formed largely of international students from Bangor University, who were passionate about supporting welfare and experience of all international students. This can be through the medium of music, dance, poetry or writing. Some events we take part in include celebrations of DIWALI, Black History month, Inter-cultural events all over the country along. Visit our pages to see pictures and more information about the work we have done!

Our team consists of primarily law students and graduates but overall those who are incredibly passionate about using the law to help bring access to justice within their communities. They will assist the community as paralegals to compile cases and evidence for viable cases on behalf of the relevant legal firms. Our main priority is to help community members and law firms prepare to deal with cases presented to them. Many of those who bring cases are not legally trained and do not know how to compile evidence correctly and may find it difficult to structure said evidence in a cohesive manner to present to their legal firm with a summary of the case. Discover more information on this website.

Chapter 7 guides from bankruptcy attorney Houston 2021: Abstract of Judgment – While a judgment creditor cannot force you to sell your homestead, they can file an abstract of judgment in the real property records of your county. The filing of an abstract of judgment may prevent you from selling your home or re-financing your home. Credit Score – A judgment is a public record and will be pulled into your credit report and may damage your credit score. Even if you resolve the underlying debt, you may not be able to get the judgment removed from your credit report.

The trustee’s job is to review your finances and assets and oversee your Chapter 7 bankruptcy. They will sell certain property the bankruptcy won’t let you keep (nonexempt property) and use the proceeds to repay your creditors. The trustee will also arrange and run a meeting between you and your creditors-called a creditor meeting-where you’ll go to a courthouse and answer questions about your filing.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I believe that customer help should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

Student loan interest paid by you or someone else: In the past, if parents or someone else paid back a student loan incurred by a student, no one got a tax break. To get a deduction, the law said that you had to be both liable for the debt and actually pay it yourself. But now there’s an exception. You may know that you might be eligible to take a deduction but even if someone else pays back the loan, the IRS treats it as though they gave you the money, and you then paid the debt. So, a student who’s not claimed as a dependent can qualify to deduct up to $2,500 of student loan interest paid by you or by someone else.

Who Should File Chapter 13 Bankruptcy? Many people think of bankruptcy court as the final stop on a path to financial ruin, the only option left when repaying debts seems impossible. But there’s hope even in bankruptcy, and Chapter 13 of the federal bankruptcy code offers the closest thing to a soft landing. Sometimes called the Wage Earner’s Bankruptcy, Chapter 13 allows those with enough income to repay all or part of their debts an alternative to liquidation. It’s bankruptcy for those whose biggest problem is dealing with creditors’ demands for immediate payment, not lack of income. Discover even more information on more help.

Pick Up Capital Gains if You’re in a Low Tax Bracket: The end of the year is also a good time for some people to sell stocks that have appreciated significantly in value. This can be a particularly good strategy for those who are in the 10% and 12% tax brackets since their capital gains tax may be zero. The stocks can then be repurchased, which resets the basis and minimizes the amount of tax to be paid on future gains. Even if you’re not in the lowest tax brackets, you may want to sell winning stocks to reset the basis if you’re also harvesting losses. “What you want to do is balance (gains) with stocks that have losses,” Barlin says.

налоговое сопровождение автор Antwort-Law? Antwort оказывает полное юридическое сопровождение при регистрации компаний в Великобритании, Эстонии, на Кипре, в Швейцарии, в ОАЭ, в Польше, в Сингапуре, в Гонконге, в США, Венгрии, на Мальте и других странах. Компания Antwort является профессионалом в сфере корпоративных услуг. Мы будем рады не только зарегистрировать для вас компанию, подобрать нужную юрисдикцию, но и консультировать вас по налоговым, корпоративным и финансовым вопросам на протяжении всего жизненного цикла компании. Antwort проводит регистрацию компаний за границей в низконалоговых юрисдикциях. В спектр наших услуг входит как регистрация новых компаний, так и покупка готовых. Зарегистрировать компанию или купить компанию с историей достаточно легко, если вы привлекаете в помощь профессионалов своего дела.

Люди часто ошибочно полагают, что, если судебный процесс не передан в их руки, они не могут быть обслужены, а судебный процесс не может продолжаться. Это неправда, и иногда, если вас обслуживает альтернативная служба, вы можете не осознавать, что вас обслужили (если, например, судебный иск прикреплен к вашей двери, и любопытный сосед подает иск). Если вы знаете, что был подан иск, подумайте, если они не передали иск в ваши руки, что судебный процесс не может быть продолжен. Судебный процесс начинается, когда «Истец» (лицо или компания, подающие иск) подает «Первоначальное ходатайство» в соответствующий суд. Если сумма в долларах, в отношении которой кредитор предъявляет иск, составляет менее 10 000 долларов, иск обычно (но не всегда) будет подан в суд «Мировой судья». В противном случае иск о неоплаченном долге, как правило, будет подан в окружной суд или окружной суд округа, в котором вы живете.

Для того чтобы ваш бизнес был эффективен нельзя стоять на месте. Компания должна быть живой и этому способствуют любые структурные изменения в компании. Такие изменения могут касаться смены структуры, директора, акционера или увеличение уставного капитала. Работа с иностранными компания состоит не только из процесса регистрации и продления, но и включает в себя корпоративные изменения в течение всего жизненного цикла компании, а также ее ликвидацию. Если вам срочно нужно сменить юридический адрес, составить соглашение для смены собственников, подписать корпоративный договор или ввести в состав нового директора, то наша команда поможет вам. Процедура внесения корпоративных изменений и процесс закрытия компании отличаются в зависимости от страны. Для беспроблемной корпоративной смены внутри компании нужно правильно подготовить документы, получить одобрение соответствующих корпоративных органов и подать через регистратора.

Antwort Law предоставляет юридические и юридические услуги, специализирующиеся на налоговом сопровождении, регистрации инвестиционных проектов, создании хедж-фондов, получении финансовых лицензий в ЕС, открытии оффшорных и иностранных компаний, открытии иностранных счетов, открытии банковских счетов за рубежом и многом другом. Обладая обширным опытом и очень хорошей репутацией, Antwort Law с гордостью обслуживает таких клиентов, как UBS Group, Credit Suisse и ING Group. Читать экстра Информация на открытиве банковских счетов за границей.

Это может включать прямые переговоры, посредничество, судебное разбирательство и арбитраж, а также экспертное заключение или судебное разбирательство через Суды. Наш обширный опыт работы с отраслевыми строительными и инженерными контрактами, в дополнение к более индивидуальным контрактным соглашениям, означает, что мы можем вам помочь. Споры об интеллектуальной собственности могут дорого обойтись бизнесу. Обычно требуются срочные меры либо для защиты ваших прав, либо для защиты обвинений, выдвинутых против вас или вашего бизнеса.

Более того, качественный договор позволит значительно облегчить прохождение через банк платежей, которые проводятся на его основании. Помимо составления договоров, специалисты Antwort всегда готовы проверить уже готовые договоры и контракты на предмет скрытых рисков и дать обоснованные рекомендации по их усовершенствованию. Мы не рекомендуем вам без дополнительных проверок использовать договоры и контракты от непроверенных источников (в том числе из интернета) – зачастую они несут в себе множество рисков (составлены по законодательству другой страны, основаны на устаревших нормах, готовились для других проектов и не соответствуют сути планируемой вами операции) Мы всегда рады помочь в работе над любым типом договора, контракта или оферты!

Никогда не стесняйтесь рассказывать своим врачам обо всех ваших жалобы. Стоимость вашей претензии во многом зависит от диагноза и лечения врача. Врач может лечить только то, что он наблюдает из того, что вы ему говорите. Записи врача будут настолько полными, насколько полна информация, которую он получает. Следите за всеми рецептами и принимаемыми лекарствами, желательно сохраняя все флаконы или емкости с лекарствами. Предоставьте своему адвокату квитанции на все лекарства, отпускаемые без рецепта и по рецепту, а также на любые другие приобретенные предметы, такие как костыли, трости, шейные скобы, шины и бинты.

Лучшая команда специалистов в ЕС и СНГ, помогающая бизнесу находить правильные ответы на любые юридические вопросы – это и есть Antwort Law. Нам нет равных в юридическом и налоговом сопровождении международных IT, финансовых и инвестиционных проектов. Обнаружить дополнительный подробности на этом сайте antwort-law.com.

Awesome law support in UK today? The Artificial Intelligence integration, dial-up integration, auto clerk function, mobile app integration and data collection function will keep the legal system updated and informed. Respective governments that enable this system’s use will identify the progression of their traditional plans, different areas to keep costs low and areas that need improvement with factual, up to date legal data at the touch of a button. Artificial Intelligence advancement will be a part of the platform for data upload of previous cases and how judges have decided in prior cases. AI will also be useful for quickly fixing errors, to prevent and alert regarding cyber-attacks.

Partner spotlight: NWAMI works with people from a large variety of backgrounds from all over the world. Our mission is to help break the ice between those of all different cultures and backgrounds to help support people to come together. The focus is on helping to bridge the gap through supporting and encouraging community cohesion, whilst facilitating and assisting the sharing and exchange of cultures. We are committed to removing and reducing any barriers which are faced by those living in today’s society by helping to create an interest, understanding and respect for each and every individual. As an organisation, NWAMI aims to support reducing the tension that recent times have brought to the country, supporting equality for all. NWAMI has worked closely with the Police and Crime Commissioner and the local police within Colwyn bay to help to put an end to violence and hate crime. Discover additional info at legal assistance for low income people.

Law advice today: Keep your attorney informed of anything that might affect your case. Certainly nothing should be signed without first consulting the attorney. Applications for insurance benefits, reports to the State, any change in doctors, returning to work, any change in treatment, etc., should be reported promptly. Disability or unemployment applications should first be checked by the attorney. Keep your attorney advised of any vacation times when you may not be available. An emergency telephone number and an alternative way of reaching you must be in your attorney’s file at all times.

If you appeared before the Crown Court and disagree with the decision there, you may have the right to appeal to the Court of Appeal (Criminal Division). It is the responsibility of your representative to advise you about your right to appeal following the outcome of your case as strict time limits may mean you will lose the right to appeal if not done quickly enough. If you were represented by one of our in-house Advocates or approved barristers, we will always advise you about an appeal and discuss your options well within the time limit.

The issues have been excruciatingly increased due to the global pandemic, which has severely impacted the most vulnerable even more so. The negative ramifications have affected the legal industry, particularly law firms. This has in turn impacted the futures of many young legal professionals seeking work. Many internships have been cancelled or postponed, leaving many in the field out of work, particularly recent graduates. Many law firms on top of the legal aid cuts and the results of the pandemic, do not have the capacity or resources to take on the ever-growing number of cases that these low-income people want to bring forth. We sought a solution to solve all these issues at once. Discover more information on https://communitylawproject.com/.

Best law services Accra, Ghana? At CQ Legal, we have a specialist team of Property, Land and Real Estate Lawyers that are based in Ghana. With our broad knowledge and expertise, we help clients in both residential and commercial property matters. We also assist clients who are buying property or land to build on in Ghana and our team can help you navigate the complexities of Ghanaian real estate law. We have many years of experience in Ghanaian real estate law and provide our clients with leading expertise and attention to detail. We help both foreign and local clients to ensure that transactions progress smoothly, quickly and in compliance with all the legal regulations.

We offer a range of ICT-related legal advisory services to companies including the technology industry, ranging from advice on ICT, outsourcing, licensing, internet, e-commerce, software, hardware, IP and data protection issues. The scope of our offering also includes advising on content development, technology transfer, online contracting within the traditional B2B and B2C joint ventures and transactions, high techs to start-ups. Our purpose is to enable people and organisations navigate their way through the mazy world of the convergence between technology and law, and to clear the haze that clouds over the global and national legal landscape in ICT. Ultimately, the CQ business model is not complicated – we simply provide excellent services, within a set time-frame in a cost-effective manner.

CQ Legal & Consulting is a boutique law firm and consulting firm based in Accra, Ghana that serves the needs of a broad range of corporate and unincorporated institutions and individuals. Our experience in capital markets covers a range of international debt and equity capital market transactions for both corporate and government entities. From initial public offerings, eurobonds, medium term notes programs, securitizations and structured products. Additionally, we have experience of advising on the regulatory framework and issues as well as knowledge of the peculiarities of the different industries and markets we advise in. Discover more information at Law Firm in Ghana.

We work closely with government regulators so we understand how they interpret rules and regulations and apply them to contractors. Our combination of substantive legal knowledge and practical experience allows us to mitigate risk and resolve disputes and allegations favourably. We represent construction and manufacturing contractors, information technology and telecommunication providers; pharmaceutical and medical supplies companies; energy and environmental contractors; and universities, medical centers, and other sundry businesses. From development and bidding on Government contracts, to financing, performance disputes and contract administration, CQ Legal ensures that your company is always treated fairly by the Government and its agencies.

We can provide expert advice to a broad range of creditors, companies and individuals in difficult financial situations to help them work out a practical solution, including the potential restructuring and recovery options that are available. We combine our restructuring and insolvency expertise with a strong understanding of a broad range of sectors such as technology, communications, e-commerce, financial services, real estate, media, sport, aviation and energy. Find additional information on https://www.cqlegal.net/.

High quality timeshare debt resolution providers with Attorney advocates of America reviews? How Much Is The Retainer Fee? Each case is different, and we take pride in qualifying every case before helping pursue relief options. We charge a reasonable fixed rate retainer. We work on an attorney-based Fixed Fee process that delivers. Whether you’re looking to terminate a mortgage or walk away from annual fees, we get the job done. Our service comes with a 100% satisfaction guarantee! You can get started by requesting a FREE no obligation consultation to learn more about your options, our services and pricing.

Searching for more Attorney advocates of America reviews? Attorney Advocates of America, P.A. offers Foreclosure Defense in a number of States. If you are delinquent in mortgage loan payments to the lender, have been served with a notice of foreclosure letter or have received a mortgage foreclosure complaint, you have a very short time to respond. In many cases, a homeowner and borrower may begin to lose precious legal rights in as little as twenty (20) days. Any delay may make the situation you are in worse, and if a borrower or homeowner fails to do anything at all, the situation may become the worst case scenario possible. A Florida Foreclosure or a Foreclosure in any State which offers the lender recourse against the borrower can have serious, long lasting ramifications that you may have to deal with in the future, so it is absolutely in your best interests to participate now while it is occurring.

The Fair Credit Reporting Act, sometimes called the federal fair credit reporting debt dispute act, is a federal law designed to protect consumers against unfair and illegal credit reporting practices and protect your credit privacy. Find answers to your questions about credit reporting procedures, who can and cannot view your personal credit profiles, credit reports and credit scores. Attorney Advocates of America Fights For The Rights of our Clients. Managing Partner Henry N. Portner, Attorney at Law. Offices in 15 States.

Consumers sometimes have a false sense of security if they have been sued in small claims court. Many of the same civil procedures are required as though the case was in circuit court. I always recommend never showing up in court as a non-lawyer when your adversary is a licensed trained Attorney. Your just asking for trouble. The unfortunate thing about credit card lawsuits is simply that most consumers do not show up at all. This is exactly what the other side is hoping for. Defending a credit card lawsuit or other debt matter does not have to be an expensive endeavor. I employ you to call us or other local counsel to see what your options are. Please don’t let a small issue blossom into something far worse. See more details on Attorney advocates of America reviews.

You may still have trouble with getting unsecured credit after a bankruptcy. If you find that to be the situation, applying for a secured card may be the answer. This will show people that you’re seriously trying to restore your credit record back in order. After a while, you are going to be able to have unsecured credit cards too. The Bankruptcy Code lists the kinds of assets which are excluded from bankruptcy. If you are not aware of the rules, you might be blindsided when a possession that is important to you is taken to repay creditors. The professional that helps you file with needs to know both the good and bad aspects of your finances.

Bankruptcy attorney Houston and chapter 13 advices: A ‘Motion for Non-Suit’ is what a creditor files to have its lawsuit dismissed. This can be ‘with prejudice’ (meaning a new lawsuit cannot be filed over the debt in the future) or ‘without prejudice’ (meaning the creditor has the right to file a lawsuit over the same debt in the future). A creditor may file a non-suit as part of a settlement agreement. A creditor may also file a non-suit when they realize they do not have all the documents necessary to prove the debt to a judge (or jury). If a non-suit is filed that means the lawsuit will not result in a judgment.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I think that customer help should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

State tax you paid last spring: Did you owe taxes when you filed your 2018 state tax return in 2019? Then remember to include that amount with your state tax itemized deduction on your 2019 return, along with state income taxes withheld from your paychecks or paid via quarterly estimated payments. Beginning in 2018, the deduction for state and local taxes is limited to $10,000 per year. When you buy a house, you often get to deduct points paid to obtain your mortgage all at one time. When you refinance a mortgage, however, you have to deduct the points over the life of the loan. That means you can deduct 1/30th of the points a year if it’s a 30-year mortgage—that’s $33 a year for each $1,000 of points you paid. Doesn’t seem like much, but why throw it away? Also, in the year you pay off the loan—because you sell the house or refinance again—you get to deduct all the points not yet deducted, unless you refinance with the same lender.

The list of property you don’t have to sell or turn over to creditors (exempt property), and the total value that you can exempt, varies by state. Some states let you choose between their exemption list and the federal exemptions. But most Chapter 7 bankruptcy cases are “no asset” cases, meaning all of the person’s property is either exempt or there’s a valid lien against the property. At the end of the process, approximately four to six months from your initial filing, the court will discharge your remaining debts (meaning you don’t need to pay them anymore). However, some types of debts generally aren’t dischargeable through bankruptcy, including child support, alimony, court fees, some tax debts and most student loans.

Harvest Your Capital Losses: If you own stocks that have lost money, you can sell them and deduct up to $3,000 on your federal taxes. Just be careful not to violate the wash-sale rule, which would disallow the deduction. This rule states you cannot purchase the same or a substantially similar stock within 30 days before or after the sale. “Some people think it’s OK if I do it using two accounts,” Zollars says. They may think they can sell a stock from a taxable account and then immediately purchase similar securities in an IRA. However, this is not allowed. “That’s not the way the rule works,” he says. Read even more details on houston bankruptcy lawyer.

Who Should File Chapter 13 Bankruptcy? Many people think of bankruptcy court as the final stop on a path to financial ruin, the only option left when repaying debts seems impossible. But there’s hope even in bankruptcy, and Chapter 13 of the federal bankruptcy code offers the closest thing to a soft landing. Sometimes called the Wage Earner’s Bankruptcy, Chapter 13 allows those with enough income to repay all or part of their debts an alternative to liquidation. It’s bankruptcy for those whose biggest problem is dealing with creditors’ demands for immediate payment, not lack of income.

Serafino Di Loreto: “Ho fondato SDL Centrostudi per difendere gli italiani onesti” – Mentre le banche italiane a turno barcollano (la vicenda ‘Carige’ è in questi giorni sotto gli occhi di tutti) facendo temere per la tenuta dei risparmi di cittadini e imprenditori onesti, c’è persino chi, lo scorso Natale, mosso da animo sensibile e memore, ha donato alla parrocchia della propria infanzia la ‘Campana della Nuova Vita’, nata per celebrare le nuove nascite: ma fusa e pronta a suonare una volta all’anno anche in ricordo delle troppe vittime di banche e fisco ingiusti, giunte spesso ad atti estremi per via di situazioni economiche disastrose che pesano sul cuore e nella vita di ogni giorno più di una prigionia.

Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata Società si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere. E negli anni scorsi, anche per la crisi economica, è stata protagonista una rapidissima crescita in tutta Italia che l’ha portata alla ribalta nel mondo dell’imprenditoria locale e nazionale.

Mentre a Bergamo Serafino Di Loreto ha rilevato altresì un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri vengono creati ex novo componenti meccanici poi esportati in tutto il mondo.

Dal 2010 a oggi, ‘Sdl Centrostudi Spa’ “ha versato oltre 30 milioni di iva, ben 20 di imposta sul reddito, e distribuito 50 milioni di euro in provvigioni! Dagli albori – dichiara Serafino Di Loreto – abbiamo dato lavoro a 120 dipendenti diretti sino al 2016, a più di 400 avvocati sparsi in tutta Italia e ad oltre 40 periti e consulenti. Dal 2010 a oggi, il fatturato prodotto dalla società è di oltre 160 milioni di euro“. Per poi proseguire: “Abbiamo fatto quasi 50 mila perizie a pagamento, trasformando questo importante strumento di indagine e analisi in un mezzo accessibile a tutti: specialmente ai più deboli che, grazie a costi nazionalpopolari delle perizie, hanno potuto servirsene, evitando che in un campo così delicato, quale quello del diritto bancario, la giustizia restasse un fatto meramente elitario e per i soliti pochi abbienti“, ricorda il professionista bresciano.

“Oltre a essere stati i primi in Italia ad aver affrontato su vasta scala la questione dell’anatocismo/usura, e di tutti gli aspetti collegati, siamo anche stati i primi ad esserci dotati di polizze stipulate con importanti operatori del settore, che garantiscono la copertura delle spese legali, in caso di soccombenza“, prosegue ancora Di Loreto, imprenditore poliedrico e di successo attivo anche in altri molteplici settori. A Mantova, con la società ‘Ecoval’ il fondatore di ‘SDL Centrostudi Spa’ ha sviluppato un progetto con il patrocinio del Comune stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. In pratica, ha acquisito e riconvertito una delle più storicamente importanti realtà industriali cittadine, trasformandola da inquinante a struttura che crea disinquinanti.

Qualche anno fa fatturavate di più… Sì certo, la crisi era nel vivo, e paradossalmente per il tipo di lavoro che facciamo, avevamo richieste maggiori. Ora fortunatamente il mercato è in ripresa e c’è maggiore liquidità che circola, di conseguenza banche e aziende litigano di meno. In che cosa consiste, prevalentemente, l’attività di ‘Sdl Centrostudi Spa’? L’impresa si occupa in primis di analisi contabili econometriche per verificare che banche, istituti di credito e agenzia delle entrate non pratichino anatocismo ed usura e rispettino tutta una serie di parametri fissati dalla legge. Valutiamo il costo del denaro per imprese e persone che hanno mutui, finanziamenti e altro.

Avvocato Di Loreto, come si gestisce una struttura con centinaia di collaboratori sparsi per l’Italia? Noi abbiamo scelto un’organizzazione molto simile a quella militare, o ecclesiastica. Ovviamente per fini commerciali ed economici: il nostro è un network commerciale. In che cosa consiste, nello specifico, la vostra mission? Un’azienda ci contatta perché pensa di non essere trattata correttamente dal proprio istituto di credito. Un nostro incaricato, sulla base di una serie di dati, forniti dall’azienda stessa, svolge una pre-analisi gratuita. Se la pre-analisi dà esito positivo, allora offriamo una perizia a pagamento, debitamente stimata e approntata, che il potenziale cliente può, tranquillamente, accogliere oppure rifiutare senza alcun impegno.

A quanto ammontano, circa, le analisi effettuate? Abbiamo fatto quasi 50 mila perizie a pagamento, trasformando questo importante strumento di indagine e analisi in un mezzo accessibile a tutti: specialmente ai più deboli che, grazie a costi nazionalpopolari delle perizie, hanno potuto servirsene, evitando che in un campo così delicato, quale quello del diritto bancario, la giustizia restasse un fatto meramente elitario e per i soliti pochi abbienti. Supponiamo siano state poche le pre-perizie che hanno dato esito negativo… Realmente è così, ma non per furbizia commerciale nostra…

Un’ultima domanda, Avvocato Di Loreto. Banche e fisco iniqui a parte, Lei opera con successo anche in altri ambiti imprenditoriali: quali? Sono molteplici. Ho sempre considerato ogni problema un’opportunità. A Mantova, con la società ‘Ecoval’ di cui sono socio ho sviluppato un progetto con il patrocinio del comune di Mantova stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. Leggi extra dettagli a Serafino Di Loreto.

Scusi ma da cosa dipende? Dipende dalle solite interpretazioni dei giudici, ovvio, ma c’è dell’altro… Ci dica pure… La legge italiana spiega chiaramente che, nel conteggio del tasso d’interesse, devono essere comprese anche le spese di tenuta conto e le commissioni di massimo scoperto. Chi è stato il relatore di queste legge? Luciano Violante, nel 1996. Invece che cosa sostiene la controparte? Afferma che quelli sono costi che non vanno conteggiati all’interno del tasso d’interesse applicato ai clienti, sposando la tesi di parte della Banca d’Italia. Ora, ovviamente, ci sono alcuni giudici che tengono buona questa tesi e altri, invece, che non la pensano così.

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