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Bankruptcy Law Attorneys, Attorneys, Bankruptcy Services

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(802) 223-6439Call Visit WebsiteVisit Website Map & DirectionsDirections417 Barre StMontpelier, VT 05602 Write a ReviewWrite Review

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Places Near Montpelier with Bankruptcy Law Attorneys

East Montpelier (6 miles)
South Barre (9 miles)
Barre (10 miles)
Plainfield (11 miles)
Graniteville (12 miles)
Northfield (13 miles)
East Barre (14 miles)
Worcester (14 miles)
Williamstown (14 miles)
Calais (15 miles)

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Extra Phones: TollFree: (800) 585-3169
Services/Products: Wipe Out Debts
AKA: James A Palmisano Attorney
Other Link: http://www.vermontbankruptcy.net
Categories: Bankruptcy Law Attorneys, Attorneys, Bankruptcy Services, Child Custody Attorneys, Criminal Law Attorneys, Divorce Attorneys, Family Law Attorneys, Foreclosure Services, General Practice Attorneys, Personal Injury Law Attorneys

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Phone: (802) 223-6439

Address: 417 Barre St, Montpelier, VT 05602

Website: http://www.vermontbankruptcy.net

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Palmisano Jas A

Divorce
Child Support
What is the Chapter 7 Means Test? The means test is basically a bankruptcy formula used to determine whether you qualify to file Chapter 7 or Chapter 13. Chapter 7 allows you to discharge all of your debts. In Chapter 13 you have to pay back a portion of your debts over three to five years. The means test has two parts. The first part calculates your average gross income for the last six months and compares it to your state's median income. If your income is below the state median income, then the second part of the test does not apply, and you are presumed eligible to file Chapter 7. If, however, your income is above the state median then you have to complete the second part of the means test. The second part of the test subtracts from your monthly income the standard IRS living expenses for a family of your size, plus any secured loan payments you have (e.g. mortgage payments, car payments) and any priority debt payments you owe (e.g. taxes, child support, etc). If the results show that you have enough disposable income left to pay over a period of five years the greater of either *$10,950 or 25% of your unsecured debt, then it is presumed you should be filing Chapter 13 instead of Chapter 7. [*Dollar amount adjusted April 1, 2007. Adjustments every three years on April 1].
Spousal Support
Most debts are dischargeable in a Chapter 7 case, with several notable exceptions. Examples of these are alimony and child support obligations, taxes less than three (3) years old, student loans (with the sole exception listed below), and any debts procured by fraud (fraud debts may be dischargeable in a Chapter 13), incurring debt without a reasonably certain ability to repay the debt, and so forth. A few of the most common or problematic ones are discussed below...

Fraud
Finally, there is the United States Trustee, of whom you'll likely never have dealings. The United States Trustee appoints and monitors Chapter 7 and Chapter 13 Trustees. In addition, the US Trustee recommends to the United States Attorneys and Federal Bureau of Investigation whether legal action should be taken against those suspected of bankruptcy fraud and abuse. In short, the United States Trustee is the "watchdog over the bankruptcy process".

Personal Injury

Bankruptcy
Cram-down is a term used in bankruptcy law to refer to the Chapter 13 provision that allows a person to reduce his or her car loan payments when the vehicle is worth less than the amount owed on the vehicle.
Foreclosure
Judicial foreclosure by sale case in Vermont. With few exceptions, most foreclosures in Vermont follow the judicial foreclosure by sale procedure. The exceptions involve cases where a
Debt Collection
As your debt gets larger, the debt collection business becomes more lucrative. Debt collectors will sometimes go to extreme lengths to get money from you. But they are barred by the Fair Debt Collection Practice Act (FDCPA) from doing any of the following...

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