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According to a press-release from the National Association of Consumer Bankruptcy Attorneys “NACBC” – across the country, consumers are falling prey to a new scam targeting people who have filed for bankruptcy and others just getting started with the process. Bankruptcy attorneys are joining forces with public officials to sound the alarm bell to unsuspecting consumers.
The con artists are using software that “spoofs” the Caller ID system so that the call appears to be originating from the phone line of the consumer’s bankruptcy attorney. Victims of the scam are being instructed to immediately wire money to satisfy a debt that supposedly is outside the bankruptcy proceeding. Some consumers have been threatened with arrest if they fail to wire money to pay the debt.
In some instances, the perpetrators are using personal information from public filings to identify consumers, assume the identity of their attorneys and sound more convincing by phone. These calls are typically placed during nonbusiness hours, making it difficult for clients to verify the call by getting in touch with their attorney to ask about it.
Warning from Diane: If you hired a good attorney (be sure to check them out before hiring) then trust that they will give you competent advice. If you doubt the caller’s truthfulness, then call them back using a phone number you know to be good.
The post Telephone Scams Spoofing Attorney’s Phone Number – Want $$$ appeared first on Diane L. Drain - Phoenix Bankruptcy & Foreclosure Attorney.
According to a press-release from the National Association of Consumer Bankruptcy Attorneys “NACBC” – across the country, consumers are falling prey to a new scam targeting people who have filed for bankruptcy and others just getting started with the process. Bankruptcy attorneys are joining forces with public officials to sound the alarm bell to unsuspecting consumers.
The con artists are using software that “spoofs” the Caller ID system so that the call appears to be originating from the phone line of the consumer’s bankruptcy attorney. Victims of the scam are being instructed to immediately wire money to satisfy a debt that supposedly is outside the bankruptcy proceeding. Some consumers have been threatened with arrest if they fail to wire money to pay the debt.
In some instances, the perpetrators are using personal information from public filings to identify consumers, assume the identity of their attorneys and sound more convincing by phone. These calls are typically placed during nonbusiness hours, making it difficult for clients to verify the call by getting in touch with their attorney to ask about it.
Warning from Diane: If you hired a good attorney (be sure to check them out before hiring) then trust that they will give you competent advice. If you doubt the caller’s truthfulness, then call them back using a phone number you know to be good.
The post Telephone Scams Spoofing Attorney’s Phone Number – Want $$$ appeared first on Diane L. Drain - Phoenix Bankruptcy & Foreclosure Attorney.
What does life feel like after bankruptcy? When you file for bankruptcy, it's usually because there's no better option for you to get your finances under control. Your credit's shot, your phone's ringing off the hook and the mail is piling up. You sit down with your bankruptcy attorney and plot out a course for Read the article
The post 4 Surprising Changes You’ll See After Bankruptcy appeared first on Shaev & Fleischman P.C..
If you have insurmountable debt and you are considering a Walworth County bankruptcy, you probably have a lot of questions. Some questions you may be asking yourself are: Is bankruptcy right for me? What will happen to my debt? How much does it cost? Below we have outlined some frequently asked questions regarding the basics of filing a Walworth County bankruptcy.
Frequently Asked Questions Regarding Walworth County Bankruptcy
Q: How do I know if filing a Walworth County bankruptcy is right for me?
A: If you owe debt beyond your ability to repay in the foreseeable future, you should consider bankruptcy. If you are going to lose the majority of your income or your property due to repayment of a debt to a creditor, you should consider bankruptcy. There are different types of bankruptcy available. Which type of bankruptcy you file depends on your specific circumstances. Bankruptcy may not be the best option in all situations. You should consult with a Walworth County bankruptcy attorney before making any final decisions regarding bankruptcy. Filing a Walworth County bankruptcy is a complicated legal process which should be handled by an expert bankruptcy attorney. Individuals who fail to comply with bankruptcy requirements or do not file all required paperwork properly risk dismissal of their Walworth County bankruptcy cases.
Q: Who Can File a Walworth County Bankruptcy?
A: “Any person, and almost any partnership, corporation, or business trust may file a bankruptcy petition. A business that is not a partnership, corporation, limited liability company or business trust, cannot file a separate bankruptcy petition on its own, but must be filed as an individual bankruptcy under the name(s) of the owner(s). Only a family farmer or family fisherman may file a chapter 12 petition. Only an individual with regular income may file a chapter 13 petition.” – The United States Bankruptcy Court Eastern District of Wisconsin
Q: What Are the Different Chapters of Bankruptcy? What Do They Mean?
A: Most personal bankruptcies are filed under Chapter 7 or Chapter 13. Debtors with a regular income may file a Chapter 13 bankruptcy. Chapter 13 allows a debtor to repay debts over a period of three to five years. Chapter 13 bankruptcy will stop all collection processes. Chapter 13 bankruptcy will also allow a debtor to slowly catch up on mortgage and vehicle payments. Debtors without a regular income or who do not make enough for a Chapter 13, may file a Chapter 7 bankruptcy. Chapter 7 bankruptcy has no repayment plan. The majority of Chapter 7 bankruptcy filers get to keep their home and vehicle. Chapter 7 bankruptcy stops all collection processes and wipes out all unsecured debt (credit cards, medical bills, etc.)
Q: How Much Does it Cost to File a Walworth County Bankruptcy?
A: Bankruptcy attorney fees can be paid in one lump sum upfront. However, we know our local community members are struggling financially. That is why we now offer payment plans for our bankruptcy clients. You can choose between our standard payment plan which starts at $125.00 per month, or we can create a personalized payment plan just for you. Contact Wynn at Law, LLC at 262-725-0175 to schedule a free, initial bankruptcy consultation. Remember, the collections stop as soon as you file bankruptcy. It is often better to put your monies toward the bankruptcy rather than paying creditors.
Q: Where Can I Get Legal Advice Regarding a Walworth County Bankruptcy?
A: Wynn at Law, LLC can help. We offer free, initial bankruptcy consultations. Our Walworth County bankruptcy law firm has a 100% discharge success rate on the cases we file. Schedule your free consultation today by calling us at 262-725-0175.
Q: Will Filing a Walworth County Bankruptcy Affect My Credit?
A: “There is no clear answer to this question. Unfortunately, if you are behind on your bills, your
credit may already be bad. Bankruptcy will probably not make things any worse. The fact that you’ve filed a bankruptcy can appear on your credit record for ten years from the date your case was filed. But because bankruptcy wipes out your old debts, you are likely to be in a better position to pay your current bills, and you may be able to get new credit.” – National Consumer Law Center
Q: What Does a Bankruptcy Discharge Mean?
A: A bankruptcy discharge means that no creditor listed in the bankruptcy petition is allowed to attempt to collect on any debt owed by the debtor. Debts wiped out in the bankruptcy discharge stop the creditor from contacting the debtor by mail, phone, or otherwise. Creditors whose debts were discharged in the bankruptcy also cannot file any lawsuits against the debtor, garnish any wages, place liens on any property, or any other action which is an attempt to collect on the discharged debt.
Q: How Long Does It Take to Receive a Walworth County Bankruptcy Discharge?
A: The timing of discharge can vary, depending on the type of bankruptcy petition filed. Normally, Chapter 7 bankruptcy filings discharge in three to five months after filing the petition.
Contact Our Walworth County Bankruptcy Attorney
If you believe you may benefit from filing a Walworth County bankruptcy, please contact Wynn at Law, LLC. Our Walworth County bankruptcy attorney will listen to the details of your situation, answer all of your questions, and help you decide which bankruptcy or non-bankruptcy option is best for you. Wynn at Law offers a free, initial bankruptcy consultation. Our Walworth County bankruptcy attorney can be reach by phone at 262-725-0175 or by email via website’s contact page. Wynn at Law, LLC has bankruptcy offices located in Delavan, Lake Geneva, Muskego, and Salem, Wisconsin.
Find out if you qualify for bankruptcy.
Click Here to Get a Free Bankruptcy Assessment
from Wynn at Law, LLC
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It’s Free. It’s Easy.
*The content and material on this web page is for informational purposes only and does not constitute legal advice.
The thought of losing one’s credit cards is a terrifying idea for some that are struggling with debt. In fact, such a fear prevents many people from actually filing for bankruptcy. The big fear is that bankruptcy will haunt them for life and prevent them from obtaining credit in the future. Everyone dreams of purchasing+ Read More
The post How Bankruptcy Affects Your Credit Score appeared first on David M. Siegel.
Good news for current and former Oregon and Washington Chapter 13 Bankruptcy filers who saw their mortgage payments rise with little or no notice during the pendency of their Chapter 13 Bankruptcy cases. The U.S. Trustee Program has now entered into a national settlement agreement with Wells Fargo Bank which will require the lender to pay out nearly 82 million dollars for repeatedly failing to provide homeowners in bankruptcy with legally required notices. These failures worked to deny homeowners in bankruptcy with the chance to challenge the veracity of mortgage payment increases. The failures violated federal bankruptcy rules that require detailed disclosure requirements of fees and charges.
Under the rules, mortgage lenders must file and serve a notice at least three weeks before revising a Chapter 13 debtor’s monthly mortgage payment. Wells Fargo admits that it failed to timely file more than 100,000 payment change notices and failed to timely perform more than 18,000 escrow analyses in cases involving nearly 68,000 homeowners in bankruptcy. Under the settlement, Wells Fargo also will change internal operations and submit to oversight by an independent compliance reviewer.
This settlement certainly represents a big victory for homeowners in bankruptcy who are entitled to proper and timely notices, particularly when they are being asked to pay more.
The original post is titled Wells Fargo to Pay for Wrongs to Homeowners in Bankruptcy , and it came from Portland Bankruptcy Attorney | Northwest Debt Relief .
Scammers are targeting bankruptcy filers throughout the country by posing as attorneys or law office staff and telling them to immediately wire money to pay a debt.
Don't fall for it. One of the best ways to avoid a scam is to stop the caller and make a direct call to the supposed person or company. For example, if they say it's your attorney's office, stop and YOU PLACE THE CALL DIRECTLY TO THE OFFICE. You know you'll be dealing with the real person or office, instead of a phony. Don't be hurried by the caller. Situations of this type do not call for immediate action and can wait a day or a weekend if necessary.
Here's the bulletin issued by the bankruptcy court serving northern Virginia (with information applicable to all jurisdictions):
UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF VIRGNIA
CONSUMER ADVISORYALERT
Phone Scammers Target Bankruptcy Filers in Virginia and Other States
A sophisticated phone scam is targeting bankruptcy filers in several states, using personal information from filings and posing as attorneys to coerce intended victims to wire money to the scammers immediately to satisfy a debt.
An article published October 20, 2015, has been placed on the internet uscourts.gov web site, under Judiciary News, which reads, as follows:
Phone scammers are targeting bankruptcy filers in several states,
using personal information from filings and posing as attorneys to
get intended victims to immediately wire money to satisfy a debt.
The National Association of Consumer Bankruptcy Attorneys issued
a warning that "Under no circumstances would a bankruptcy
attorney or staff member telephone a client and ask for a wire
transfer immediately to satisfy a debt. Nor would the bankruptcy
attorney and staff ever threaten arrest if a debt isn't paid."
Bankruptcy filers in Vermont and Virginia reportedly have received
calls. Vermont's Attorney General says scammers use software to
"spoof" the Caller ID system so the call appears to be originating
from the phone line of the consumer's bankruptcy attorney.
Typically the calls come late in the evening or during non-business
hours to make it difficult for intended victims to verify the call by
contacting their attorney.
Consumers receiving this kind of call are advised to hang up and
contact their bankruptcy attorney as soon as possible. Do not give
any personal or financial account information to the caller.
Date: November 2, 2015
William C. Redden
Clerk of Court, US Bankruptcy Court
Eastern District of Virginia
Alexandria Division
Scammers are targeting bankruptcy filers throughout the country by posing as attorneys or law office staff and telling them to immediately wire money to pay a debt.
Don’t fall for it. One of the best ways to avoid a scam is to stop the caller and make a direct call to the supposed person or company. For example, if they say it’s your attorney’s office, stop and YOU PLACE THE CALL DIRECTLY TO THE OFFICE. You know you’ll be dealing with the real person or office, instead of a phony. Don’t be hurried by the caller. Situations of this type do not call for immediate action and can wait a day or a weekend if necessary.
Here’s the bulletin issued by the bankruptcy court serving northern Virginia (with information applicable to all jurisdictions):
UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF VIRGNIA
CONSUMER ADVISORYALERT
Phone Scammers Target Bankruptcy Filers in Virginia and Other States
A sophisticated phone scam is targeting bankruptcy filers in several states, using personal information from filings and posing as attorneys to coerce intended victims to wire money to the scammers immediately to satisfy a debt.
An article published October 20, 2015, has been placed on the internet uscourts.gov web site, under Judiciary News, which reads, as follows:
Phone scammers are targeting bankruptcy filers in several states,
using personal information from filings and posing as attorneys to get intended victims to immediately wire money to satisfy a debt.
The National Association of Consumer Bankruptcy Attorneys issued a warning that “Under no circumstances would a bankruptcy attorney or staff member telephone a client and ask for a wire transfer immediately to satisfy a debt. Nor would the bankruptcy attorney and staff ever threaten arrest if a debt isn’t paid.”
Bankruptcy filers in Vermont and Virginia reportedly have received calls. Vermont’s Attorney General says scammers use software to “spoof” the Caller ID system so the call appears to be originating from the phone line of the consumer’s bankruptcy attorney.
Typically the calls come late in the evening or during non-business hours to make it difficult for intended victims to verify the call by contacting their attorney.
Consumers receiving this kind of call are advised to hang up and contact their bankruptcy attorney as soon as possible. Do not give any personal or financial account information to the caller.
Date: November 2, 2015
William C. Redden
Clerk of Court, US Bankruptcy Court
Eastern District of Virginia
Alexandria Division
Scammers are targeting bankruptcy filers throughout the country by posing as attorneys or law office staff and telling them to immediately wire money to pay a debt.
Don’t fall for it. One of the best ways to avoid a scam is to stop the caller and make a direct call to the supposed person or company. For example, if they say it’s your attorney’s office, stop and YOU PLACE THE CALL DIRECTLY TO THE OFFICE. You know you’ll be dealing with the real person or office, instead of a phony. Don’t be hurried by the caller. Situations of this type do not call for immediate action and can wait a day or a weekend if necessary.
Here’s the bulletin issued by the bankruptcy court serving northern Virginia (with information applicable to all jurisdictions):
UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF VIRGNIA
CONSUMER ADVISORYALERT
Phone Scammers Target Bankruptcy Filers in Virginia and Other States
A sophisticated phone scam is targeting bankruptcy filers in several states, using personal information from filings and posing as attorneys to coerce intended victims to wire money to the scammers immediately to satisfy a debt.
An article published October 20, 2015, has been placed on the internet uscourts.gov web site, under Judiciary News, which reads, as follows:
Phone scammers are targeting bankruptcy filers in several states,
using personal information from filings and posing as attorneys to get intended victims to immediately wire money to satisfy a debt.
The National Association of Consumer Bankruptcy Attorneys issued a warning that “Under no circumstances would a bankruptcy attorney or staff member telephone a client and ask for a wire transfer immediately to satisfy a debt. Nor would the bankruptcy attorney and staff ever threaten arrest if a debt isn’t paid.”
Bankruptcy filers in Vermont and Virginia reportedly have received calls. Vermont’s Attorney General says scammers use software to “spoof” the Caller ID system so the call appears to be originating from the phone line of the consumer’s bankruptcy attorney.
Typically the calls come late in the evening or during non-business hours to make it difficult for intended victims to verify the call by contacting their attorney.
Consumers receiving this kind of call are advised to hang up and contact their bankruptcy attorney as soon as possible. Do not give any personal or financial account information to the caller.
Date: November 2, 2015
William C. Redden
Clerk of Court, US Bankruptcy Court
Eastern District of Virginia
Alexandria Division
Scammers are targeting bankruptcy filers throughout the country by posing as attorneys or law office staff and telling them to immediately wire money to pay a debt.
Don’t fall for it. One of the best ways to avoid a scam is to stop the caller and make a direct call to the supposed person or company. For example, if they say it’s your attorney’s office, stop and YOU PLACE THE CALL DIRECTLY TO THE OFFICE. You know you’ll be dealing with the real person or office, instead of a phony. Don’t be hurried by the caller. Situations of this type do not call for immediate action and can wait a day or a weekend if necessary.
Here’s the bulletin issued by the bankruptcy court serving northern Virginia (with information applicable to all jurisdictions):
UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF VIRGNIA
CONSUMER ADVISORYALERT
Phone Scammers Target Bankruptcy Filers in Virginia and Other States
A sophisticated phone scam is targeting bankruptcy filers in several states, using personal information from filings and posing as attorneys to coerce intended victims to wire money to the scammers immediately to satisfy a debt.
An article published October 20, 2015, has been placed on the internet uscourts.gov web site, under Judiciary News, which reads, as follows:
Phone scammers are targeting bankruptcy filers in several states,
using personal information from filings and posing as attorneys to get intended victims to immediately wire money to satisfy a debt.
The National Association of Consumer Bankruptcy Attorneys issued a warning that “Under no circumstances would a bankruptcy attorney or staff member telephone a client and ask for a wire transfer immediately to satisfy a debt. Nor would the bankruptcy attorney and staff ever threaten arrest if a debt isn’t paid.”
Bankruptcy filers in Vermont and Virginia reportedly have received calls. Vermont’s Attorney General says scammers use software to “spoof” the Caller ID system so the call appears to be originating from the phone line of the consumer’s bankruptcy attorney.
Typically the calls come late in the evening or during non-business hours to make it difficult for intended victims to verify the call by contacting their attorney.
Consumers receiving this kind of call are advised to hang up and contact their bankruptcy attorney as soon as possible. Do not give any personal or financial account information to the caller.
Date: November 2, 2015
William C. Redden
Clerk of Court, US Bankruptcy Court
Eastern District of Virginia
Alexandria Division
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