Blogs

22 hours 19 min ago


The Miami Herald reported on PPP fraud in South Florida, which is currently being prosecuted by the government. The article can be found at  https://www.msn.com/en-us/news/crime/ar-BB1ktBVX?utm_source=pocket_mylistRather than spending the money on employee wages and other overhead costs, much of it was defrauded or spent on luxury goods purchases. The government is now prosecuting the individuals and attempting to recover the money or property.Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!


2 days 7 hours ago

How Bankruptcy Can Stop Repossession and Get You Back on Track
Are you worried about losing your car because you’re struggling with debt? You’re not alone. Car repossession can be a scary and stressful experience, but there’s hope. Our Georgia bankruptcy attorney could be your key to stopping car repossession and getting back on track financially.
When you can’t keep up with car payments, repossession might feel like it’s right around the corner. It’s a tough spot to be in, but don’t panic. There are ways to prevent repossession and keep your car parked in your driveway where it belongs.
Quick Summary:

  • Car repossession occurs when a lender takes back a vehicle due to missed payments or other violations of the loan agreement.
  • Cars get repossessed  if you can’t pay for it anymore. This can happen because of money problems, unexpected events, or not being able to afford the loan payments.
  • Bankruptcy can stop car repossession by initiating an “automatic stay.” This prevents creditors from seizing the vehicle. It provides a chance to reorganize debts or liquidate assets under Chapter 7 or Chapter 13 bankruptcy

What is Car Repossession?
Car repossession happens when you can’t keep up with your car payments, and the lender takes your car away. It’s like when you borrow money to buy a car, but then you can’t pay it back on time. The lender has the right to take the car back because it’s the collateral for the loan.
When a car gets repossessed, it’s usually not a pleasant experience. The lender might send a repo agent to take the car from you, and they can do it without warning. They might even come to your house or your work to take the car back.
Why Do Cars Get Repossessed?
Understanding these common reasons for car repossession can help you stay on top of your finances. It also helps you avoid getting into a situation where your car is taken away. If you’re struggling to make your car payments, it’s important to communicate with your lender. This gives you an opportunity to explore your options to prevent repossession. Here are the most common reasons why cars get repossessed in the United States:
Missed Payments
One of the most common reasons for car repossession is missing payments. When you take out a loan to buy a car, you agree to make regular payments to the lender. If you miss one or more of these payments, the lender may decide to repossess your car.
Financial Hardship
Sometimes, unexpected financial difficulties can make it hard to keep up with car payments. This could be  from losing a job, facing medical bills, or other financial challenges. If you can’t afford to make your car payments, the lender may repossess your car.
Defaulting on the Loan
Defaulting on your car loan means that you haven’t met the terms of the loan agreement. This could happen if you consistently fail to make payments, or if you violate other terms of the loan agreement, like not having insurance on the car.
Change in Circumstances
Life can be unpredictable, and sometimes circumstances change. If you experience a major life event like a divorce, illness, or relocation, it can impact your ability to make car payments. In these cases, the lender may repossess your car if you can’t find a way to catch up on payments.
Stop Car Repossession Now: How Bankruptcy Can Help
If you’re worried that your car might get repossessed because you’re struggling with debt, there’s a way to get relief – it’s called bankruptcy. Bankruptcy is a legal process that can help you deal with overwhelming debt by giving you a fresh start. And one of the big benefits of bankruptcy is that it can put a stop to car repossession.
When you file for bankruptcy, something called an “automatic stay” goes into effect. This is like hitting the pause button on any collection actions, including car repossession. It means that your creditors can’t take any further action to repossess your car while the bankruptcy process is going on. This includes the company you owe money to for your car. 
There are different types of bankruptcy, but the two most common ones for individuals are Chapter 7 and Chapter 13.
Chapter 7
Chapter 7 bankruptcy is often called “liquidation” bankruptcy. It involves selling off your assets to pay your debts. But don’t worry – in many cases, you can keep your car even if you file for Chapter 7. There are exemptions in bankruptcy law that allow you to keep certain assets, including your car, up to a certain value.
Chapter 13
Chapter 13 bankruptcy is sometimes called “reorganization” bankruptcy. It involves creating a repayment plan to pay off your debts over time. With Chapter 13, you can often keep your car and catch up on missed payments through the repayment plan.
Facing Repossession? A Georgia Bankruptcy Attorney Can Hit the Brakes
Many people worry about their cars being taken away when they can’t pay their bills. But don’t worry, there’s help available. Our Georgia bankruptcy attorney can be your guide and protector during this tough time. Here’s how we can help:
Understanding Your Options
We can explain the different types of bankruptcy and how they might apply to your situation. We’ll help you figure out if bankruptcy is the right choice for you and which type would be most beneficial.
Negotiating with Creditors
We can negotiate with your creditors on your behalf to try and work out a deal to keep your car. We might be able to arrange a new payment plan or modify your loan terms to make it easier for you to keep up with payments.
Protecting Your Rights
We will make sure that your rights are protected throughout the process. We’ll help you understand what your rights are and make sure that creditors aren’t taking advantage of you.
Don’t let the fear of losing your car overwhelm you. With the help of our bankruptcy law firm, you can fight to stop car repossession. They’ll stand by your side, explain your options, and fight for your rights. 
Let Our Georgia Bankruptcy Lawyers Help Fight Back Against Car Repossession
Facing car repossession is a stressful situation, but filing for bankruptcy can be a powerful tool to stop it. With bankruptcy, you have options to keep your car, whether it’s Chapter 7 or Chapter 13. These options can give you time to figure things out and get back on track financially.
At Northwest Debt Relief Law Firm, our Georgia bankruptcy attorneys can guide you through the process and protect your car from being repossessed. Our bankruptcy law firm can help you file the necessary paperwork and make sure everything is done correctly and on time. We’ll also discuss other options you might have and help you decide what’s best for your situation.
Don’t wait until it’s too late to stop repossession. Contact us now for free debt solution consultations and let us help you protect your car and regain control of your financial future.


1 week 1 hour ago

 

HOW TO USE ARTIFICIAL INTELLIGENCE IN YOUR LAW PRACTICE (“BE AN IMPLEMENTER) CLE OUTLINE  DELIBERATE  SOLOS PRESENTED ON  03-2008-2024
Why You Should You Use Artificial Intelligence in your Law Practice:
1. Effectively using technology can make the practice of law easier, more enjoyable and more profitable!
2. Failing to use technology in your law practice may be considered "malpractice" by many State Bar associations.
3. Artificial Intelligence is the most significant development in Legal Technology in the last 50 years: It will turn out to be more impactful to lawyers than the personal computer, email, smartphones, the Internet or Google Search
4. It is also a “Disruptive Technology”-it will sneak up on and displace existing technology at a quick pace
5. One argument against using Artificial Intelligence in law practice concerns confidentiality. Similar issues were raised years ago regarding email, but many State Bar associations ruled that email did not violate confidentiality.-My thoughts about Hallucinations are discussed below
6. Google Search has become less reliable, according to reports from many users and a study by researchers in Germany.
I have a Pixel phone, I use Google Docs, Google Drive  & many Google products, but I am dissatisfied with many Google Search results.
Advertising, Spam & Artificial Intelligence have corrupted Google searches
Paid placement ads have negatively impacted Google Search results
***When you do a Google Search you get 10 blue squiggly lines, not answers to questions!
Artificial Intelligence is an “Answer Genie”-you do not get 10 Squiggly Lines, you get answers to your questions in real time!
Artificial Intelligence searches allow you to refine your search prompts after each search rather than having to do new searches in Google.
7. On an average day I use Artificial Intelligence 20 times a day
II. HOW I USE ARTIFICIAL INTELLIGENCE PRODUCTS ON A DAILY BASIS:
a. Flawlessly AI - Free AI Writing Checker-will review text up to 1000 characters long.It is free. You copy & paste text into the app to have it review or edit your writingI do not send out a lengthy email or blog post without using itIt is the best grammer checker program I have used 
b. Wordtune: Free AI Writing Assistant | Write Better Today https://www.wordtune.com/
 c. chatLAW Q&A with AI Trained on Bankruptcy Law for Bankruptcy Research
1. Free chatbot dealing with Bankruptcy law, created by a PHD in Computer Science with no Bankruptcy law experience
2. Best Bankruptcy law research program I have ever used-in my opinion better than Lexis, Westlaw or Google Scholar
3. You type in a question, it provides an Answer, citation to cases and a “SHOW AUDIT” link that directs you to the cited cases
d.   Image Creator  from Microsoft & Google-these products are free, easy to use, you enter text and they produce an image that you can use for Blog posts, emails or social media.

Microsoft Designerhttps://designer.microsoft.com/image-creator
Google ImageFXhttps://aitestkitchen.withgoogle.com/tools/image-fx
e. CLAUDE & PERPLEXITYi. In my opinion these are the 2 best free Artificial Intelligence search botsii. Claude by Antrop/c -incredibly easy to use & very accurate search results
-it also has a “paper clip” icon that allows you to upload & search documents
-Real life example: I uploaded a 65 page Bankruptcy Petition and asked  Claude how many secured creditors and how many unsecured creditors were referenced in the Bankruptcy Petition and the average dollar amount of the claims: the results came back in 13 seconds
iii Perplexity -results include footnotes -very accurate results
-Jeff Bezos Amazon founder recently invested $250 million dollars into the company
iv. How  I use Claude & Perplexity on a Daily Basis:
-Legal Research-Document Drafting-Learning new areas of the law-Developing or implementing legal strategies in cases-As “Co-Counsel to bounce questions or strategies off-Suggesting documents to request in Discovery & Questions to ask at a deposition-Troubleshooting technology problems or issues-Recommendations for new tech apps to use-Training Tips: I am training for a half marathon. How do I train for that event?-Food recipes -General Searches in place of Google Search
f. Craft document Creator Artificial Intelligence  i. Get a personalized document in seconds
g. Podcast Search thru Artificial Intelligence Dexa & Listen Notes 

Dexa:https://dexa.ai/?utm_source=substack&utm_medium=email
Listen Notes:https://www.listennotes.com/search/?q=Israel%20AND%20Gaza&sort_by_date=0&scope=episode&offset=0&language=Any%20language&len_min=0

h. Canvahttps://www.canva.com/“Canva is a free graphic design platform that allows you to easily create invitations, business cards, flyers, lesson plans, Zoom backgrounds, and more using professionally designed templates”
I used it recently to create a Zoom and Google Meet Background-easy to use & free
III. How to Learn to Use Artificial Intelligence in your Law Practice:
1. Use “Kaizen” Japanese approach of continuous gradual improvement
2. Spend 15 minutes each day learning Artificial Intelligence-google alert web searches on Artificial Intelligence topics, read articles & youtube videos
3. Sign up & read Dr Jeremy Caplan Wonder Tools Professor of Journalism at CUNY Wonder Tools  Tools helps you discover the most useful sites and apps https://wondertools.substack.com/
4. Sign up & read The Rundown  Learn AI in 5 Minuteshttps://www.therundown.ai/subscribe?utm_source=www.therundown.ai&utm_medium=newsletter&utm_campaign=openai-changes-the-ai-video-world
5. Learn the difference between “Prompt Engineering vs Search Queries”
HOW TO WRITE AN EFFECTIVE PROMPT:
-A Prompt needs background information and context to be useful!
-Tell the Chatbot what you want it to do (give it Instructions) 
Example of a Prompt: I am a Bankruptcy attorney. I have a client, a Debtor, that    wants to file a chapter 13 Bankruptcy Petition in the SDNY. The Plan will be a 5 year plan, if all creditors, including a creditor who got a judgment for an intentional tort, are not paid in full over 5 years, will the Debtor get a discharge?
-The more prompts you write and use, the better you will  become at Prompt Engineering!
6. Go cold turkey: do not use Google Search for one day. Instead, only conduct searches on Claude, Perplexity, or ChatGPT and compare the results.
7. How to Prevent Hallucinations-BE ESPECIALLY CAREFUL & CHECK CITES TO LEGAL CASES WHEN USING ARTIFICIAL INTELLIGENCE FOR LEGAL RESEARCH!
A. Use Perplexity which provides footnotes to its answers & is considered the most accurate chatbot
B. Copy & paste your prompt into Claude, Perplexity, ChatGPT & Google and review the results from all searches to determine if the results are accurate or correct. 
If you are using Artificial Intelligence for legal research or to write a Motion or Brief check & shepardize the cited cases
Do not let Hallucinations be a crutch to prevent you from using or learning Artificial Intelligence.

Jim Shenwick, Esq  917 363 3391  [email protected] https://calendly.com/james-shenwick/15minPersonal & Business Bankruptcy, Bankruptcy Litigation, Workouts, Asset Protection Planning & Defaulted SBA EIDL Loans.We held individuals & businesses with too much debt!


2 weeks 3 days ago


U.S. Seeks to Collect on Up to $20 Billion in Delinquent Covid LoansThe Wall Street Journal is reporting in an article dated March 7, 2024 that the U.S. is seeking to collect $20 Billion in  delinquent SBA EIDL Covid loans from small businesses and not for profit entities. The article can be found at https://www.wsj.com/business/u-s-seeks-to-collect-on-up-to-20-billion-in-delinquent-covid-loans-96dd36c6?mod=business_lead_storyThe SBA announced that  delinquent Covid EIDL loans with balances of $100,000 or less will be sent to the Treasury Department for collection.The referral is sent to Treasury Direct, which can seize government benefits such as portions of Social Security payments and tax refunds.Additionally, in our experience Treasury Direct can and will assess a 30% penalty on the unpaid balance of defaulted SBA EIDL loans (a point not covered in the article).Moreover, borrowers who default may have to recognize Cancellation of Debt income, which is ordinary income under section 108 of the Internal Revenue Code (another point not covered in the article).Many small businesses never intended to repay the loans, hoping they would be forgiven like PPP loans; however, this is not the case.Borrowers with questions about defaulted SBA EIDL loans should contact Jim Shenwick, Esq. Jim has an LLM in Taxation from NYU law school and he is familiar with the Cancellation of Debt tax issues. 
Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!---Jim Shenwick, Esq Blog SBA EIDL Posts:SBA EIDL Loan Charge Offshttps://shenwick.blogspot.com/2024/02/sba-eidl-loan-charge-offs.html
SBA EIDL LOANS & CIVIL & CRIMINAL PENALTIES & BANKRUPTCY FILINGShttps://shenwick.blogspot.com/2024/01/sba-eidl-loans-civil-criminal-pena...Defaulted SBA EIDL Loans: In Reversal, U.S. to Heighten Efforts to Collect Billions in Unpaid Covid Loanshttps://shenwick.blogspot.com/2023/12/defaulted-sba-eidl-loans-in-revers...
SBA EIDL Loan Defaults and the Statute of Limitations 12-24-2023https://shenwick.blogspot.com/2023/12/sba-eidl-loan-defaults-and-statute...
SBA EIDL Penalties if an SBA EIDL Loan is Not Repaidhttps://shenwick.blogspot.com/2023/12/sba-eidl-penalties-if-sba-eidl-loa...Misuse or Misapply SBA EIDL Loan Proceeds and Chapter 7 Bankruptcy Filingshttps://shenwick.blogspot.com/2023/08/misuse-or-misapply-sba-eidl-loan.html
SBA EIDL HARDSHIP PROGRAMhttps://shenwick.blogspot.com/2023/07/sba-eidl-hardship-program.html
Defaulted SBA EIDL Loans, Limited Liability Company (LLC) and Cancellation of Debt Income (COD) under Section 108 of the Internal Revenue Codehttps://shenwick.blogspot.com/2023/07/defaulted-sba-eidl-loans-limited.html
Offers In Compromise ("OIC") for Defaulted SBA EIDL loans and Section 108 of the Internal Revenue Code ("IRC"), Relief of Indebted Income, a Trap for the Unwary!https://shenwick.blogspot.com/2023/05/offers-in-compromise-oic-for-defau...EIDL LOAN WORKOUTS AND BANKRUPTCY    https://shenwick.blogspot.com/2022/07/eidl-loan-workouts-and-bankruptcy....
EIDL Loan Default Questions & Answers https://shenwick.blogspot.com/2022/10/eidl-loan-default-questions-answer...
EIDL LOAN DEFAULT DOCUMENT REVIEW, WORKOUT, BANKRUPTCY FILING & OFFER IN COMPROMISEhttps://shenwick.blogspot.com/2022/07/eidl-loan-default-document-review....
EIDL Defaulted Loanshttps://shenwick.blogspot.com/2022/07/eidl-defaulted-loans.html
New Relief Program for SBA EIDL Borrowers Who are Having Difficulty Repaying EIDL Loans " Hardship Accommodation Plan"https://shenwick.blogspot.com/2023/05/new-relief-program-for-sba-eidl.html
EIDL LOANS and SBA OFFER IN COMPROMISE PROGRAMhttps://shenwick.blogspot.com/2022/07/eidl-loans-and-sba-offer-in-compro...
PPP & EIDL Fraudhttps://shenwick.blogspot.com/2022/08/ppp-eidl-fraud.html
Better to connect-What small business owners need to know about repaying loans tied to pandemic relief from the SBA EIDL Loanshttps://shenwick.blogspot.com/2022/11/better-to-connect-what-small-busin...


2 weeks 6 days ago

Small-business owners carry bigger debt loads than they did pre-pandemic   Biz Journals is reporting that Small Business owners are now carrying bigger debt loads that they did pre-pandemic. The increased debt load combined with higher interest rates is proving to be a "toxic mix." At Shenwick & Associates, we are witnessing a significant rise in business bankruptcies, personal bankruptcy filings, and workouts.The Biz Journal article can be found athttps://www.bizjournals.com/orlando/news/2024/03/07/small-business-debt-loans-federal-reserve-interest.html
Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!


1 month 1 week ago

Many clients who have defaulted on SBA loans receive a letter from the SBA indicating that their loan has been charged off. They ask us if this means the loan has been forgiven and does not need to be paid back.“Charging off” is an accounting concept that  allows the SBA to remove the loan from its books and records  as an asset, but the SBA can still try to collect the debt.Simply stated, charging off or charged off does not mean that a loan is forgiven!Even though the loan is charged off, the borrower still owes the money and the SBA can continue collection efforts.Collection methods include lawsuits, foreclosure on assets, garnishing wages, reporting the default to Treasury Direct (so that the Government can seize tax refunds) and reporting the default to credit bureaus. So in summary, a charge off is an accounting procedure but does not relieve the borrower of repayment responsibility. The SBA treats the charge off as a default and it will pursue further collection even after charge off.Clients or their advisors with questions about defaulted SBA loans should contact Jim Shenwick, Esq.  917 363 3391  [email protected]Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!


1 month 1 week ago

MarketWatch offers a helpful article on obtaining credit after filing for personal bankruptcy. The article can be found at  https://www.marketwatch.com/guides/personal-loans/personal-loan-after-bankruptcy/
In our experience, representing hundreds of individuals who have filed for personal bankruptcy, clients are generally able to obtain loans or credit 1.5 to 2 years after receiving their Bankruptcy Discharge.
After a bankruptcy filing, we advise clients to save as much money as possible, obtain a secured credit card, and lease a reasonably priced car.
The goal is to demonstrate responsible credit usage, which will then enable you to obtain credit.
Jim Shenwick, Esq  917 363 3391  [email protected] Please click the link below to schedule a telephone call with me. https://calendly.com/james-shenwick/15min
We held individuals & businesses with too much debt! 


1 month 2 weeks ago

The debanked website is reporting that Covid SBA EIDL loan charge offs increased by $52 Billion in 2023.   Those charge offs equal 17.2% of the unpaid principal balance of SBA outstanding EIDL loans. The story can be found at https://debanked.com/2024/02/covid-eidl-charge-offs-explode-increase-by-more-than-51-billion-in-fy-2023/This report is unsurprising, as a rough estimate indicates that 75 to 80% of our clients have defaulted or are considering defaulting on their SBA EIDL loans.SBA EIDL loan defaults raise Debtor/Creditor, Bankruptcy, Tax and Personal guaranty issues. SBA EIDL loan defaults are also reported to Treasury Direct (IRS) and a 30% penalty is added to the balance due.The worst action a borrower in default on an SBA loan can take is to ignore the situation.As one famous lawyer said, prayer is not a legal strategy!At Shenwick & Associates, we have developed techniques & strategies to minimize tax and debtor/creditor issues involving an SBA EIDL default.To speak to Jim Shenwick, Esq about an SBA EIDL loan default you can call him at 917-363-3391 or email him at [email protected]Please click the link to schedule a telephone call with Jimhttps://calendly.com/james-shenwick/15min---James Shenwick, Esq SBA EIDL Blog Posts:SBA EIDL LOANS & CIVIL & CRIMINAL PENALTIES & BANKRUPTCY FILINGShttps://shenwick.blogspot.com/2024/01/sba-eidl-loans-civil-criminal-penalties.htmlDefaulted SBA EIDL Loans: In Reversal, U.S. to Heighten Efforts to Collect Billions in Unpaid Covid Loanshttps://shenwick.blogspot.com/2023/12/defaulted-sba-eidl-loans-in-reversal-us.html
SBA EIDL Loan Defaults and the Statute of Limitations 12-24-2023https://shenwick.blogspot.com/2023/12/sba-eidl-loan-defaults-and-statute-of.html
SBA EIDL Penalties if an SBA EIDL Loan is Not Repaidhttps://shenwick.blogspot.com/2023/12/sba-eidl-penalties-if-sba-eidl-loan-is.html
Misuse or Misapply SBA EIDL Loan Proceeds and Chapter 7 Bankruptcy Filingshttps://shenwick.blogspot.com/2023/08/misuse-or-misapply-sba-eidl-loan.html
SBA EIDL HARDSHIP PROGRAMhttps://shenwick.blogspot.com/2023/07/sba-eidl-hardship-program.html
Defaulted SBA EIDL Loans, Limited Liability Company (LLC) and Cancellation of Debt Income (COD) under Section 108 of the Internal Revenue Codehttps://shenwick.blogspot.com/2023/07/defaulted-sba-eidl-loans-limited.html
Offers In Compromise ("OIC") for Defaulted SBA EIDL loans and Section 108 of the Internal Revenue Code ("IRC"), Relief of Indebted Income, a Trap for the Unwary!https://shenwick.blogspot.com/2023/05/offers-in-compromise-oic-for-defaulted.html
EIDL LOAN WORKOUTS AND BANKRUPTCY    https://shenwick.blogspot.com/2022/07/eidl-loan-workouts-and-bankruptcy....
EIDL Loan Default Questions & Answers https://shenwick.blogspot.com/2022/10/eidl-loan-default-questions-answers.html
EIDL LOAN DEFAULT DOCUMENT REVIEW, WORKOUT, BANKRUPTCY FILING & OFFER IN COMPROMISEhttps://shenwick.blogspot.com/2022/07/eidl-loan-default-document-review.html
EIDL Defaulted Loanshttps://shenwick.blogspot.com/2022/07/eidl-defaulted-loans.html
New Relief Program for SBA EIDL Borrowers Who are Having Difficulty Repaying EIDL Loans " Hardship Accommodation Plan"https://shenwick.blogspot.com/2023/05/new-relief-program-for-sba-eidl.htmlEIDL LOANS and SBA OFFER IN COMPROMISE PROGRAMhttps://shenwick.blogspot.com/2022/07/eidl-loans-and-sba-offer-in-compromise.htmlPPP & EIDL Fraudhttps://shenwick.blogspot.com/2022/08/ppp-eidl-fraud.html


1 month 2 weeks ago

 The Hill is reporting that credit card debt in the United States increased by $50 billion in the fourth quarter of 2023, according to recent findings from the New York Federal Reserve. 
Will this increase in credit card debt result in more personal bankruptcy filings?
The story can be found at https://thehill.com/business/4451222-credit-card-debt-increased-by-50b-new-record-high/
Jim Shenwick, Esq  917 363 3391  [email protected] 
Please click the link to schedule a telephone call with me.
https://calendly.com/james-shenwick/15min
We held individuals & businesses with too much debt!


1 month 2 weeks ago

 Chapter 11 Bankruptcy Filings Increase 22% Y/Y in January, Subchapter V Filings Up 43%
https://www.monitordaily.com/news-posts/chapter-11-bankruptcy-filings-increase-22-y-y-in-january-subchapter-v-filings-up-43/

Jim Shenwick, Esq  917 363 3391  [email protected] 
Please click the link to schedule a telephone call with me.
https://calendly.com/james-shenwick/15min
We held individuals & businesses with too much debt!


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