Displaying items by tag: Provo Bankruptcy Attorney

Dealing with Your Child’s Expulsion

 

Even though you never thought it would happen, your precious child has found their way into a bad situation and has been expelled from school. Whether it was justified or not you are bound to have questions about the expulsion. We at Robinson, Seiler & Anderson in Provo have experience in dealing with wrongful expulsions and the steps of dealing with the expulsion of a child. Here are just a few tips to help you and your child through the process. 

 

Gather Information

After learning of your child’s expulsion it is always wise to find out as much as you can about the situation and why it led to the expulsion of your child. Call the school and ask any and all questions you may have about the situation. Who was involved? Was other disciplinary action considered or taken? Keep note of all the information you gather. If necessary get a meeting with those who are in charge. 

 

Consider an Appeal

If you feel like your child was wrongfully expelled you may want to consider getting an appeal. The lawyers at Robinson, Seiler & Anderson in Provo can help you with the appeal process. Make sure you have gathered enough information to support your case. 

 

Other Factors

Before you start taking drastic measures it is important to figure out why this expulsion happened in the first place. Does your child have a medical, anger, or drug use problem? Getting them help in these areas can help them to handle situations that may arise in the future and prevent them from getting expelled again. 

 

Looking for other Educational Options

With the help of your local school board you can find another school for your child. Do your research as to which school could help your child the most. Smaller schools have a better success rate for children because of the one on one time spent with their teachers. Enrolling your child in extracurricular activities will provide them with the motivation they need to do well and thrive in their new school as well. 

 

Communicate with your Child

Being expelled is not only embarrassing for you. Your child may say they don’t care, but they are more likely to be harboring bad feelings about the situation that occurred. Sit them down and talk to them about what happened. Let them know of your support and love to get them through the situation. 

 

Robinson, Seiler & Anderson in Provo can give you the advice you need when it comes to your child’s expulsion. If you are choosing to go forward with an appeal, we can help you in gathering all the information you may need. Contact one of our lawyers today to see how we can help you with your current situation.

Recovering After Bankruptcy

 

 

Bankruptcy can be daunting to those who have never had to go through it. Robinson, Seiler & Anderson in Provo can provide you with an Attorney who is well versed in the workings of bankruptcy. We can help you through the process. Below are some suggestions as to what you could do after filing for bankruptcy to better manage your finances and rebuild your credit. 

 

Review your Credit

Before you start to rebuild your credit you will need to know where you are currently. You can easily obtain a credit report from Equifax, Experian and TransUnion. These companies allow you to print one free credit report a year. Review your credit and make sure there aren’t any inconsistencies or errors that could affect your credit later on.  

 

Pay Bills on Time

Your payment history makes up 35% of your credit score. The easiest way to boost your credit score is by making sure you consistently pay your bills on time. If you find it hard to remember exact due dates for the variety of bills you have, you can set up reminders on your smart phone. Some companies will even allow you to set up automatic payments so you don’t have to worry about remembering to make a payment. 

 

Apply for Credit

After your bankruptcy is been taken care of you can then begin applying for credit. It is best to do so cautiously. Many banks will work with you on which credit options are best for you and your situation. Get in the habit on paying off your credit card in full each month. 

 

Know your Limits

When rebuilding your credit it is very important to know your limits. Getting out of control with spending and finances is what caused the bankruptcy in the first place. It is always best to not purchase anything you don’t currently have the funds in your checking for. You will also need to stay within the set credit limit on your card to avoid unwanted fees. 

 

Don’t Close Accounts

If you think you are going to swear off all credit cards you need to take into consideration the effects of closing an account can have on your credit. A closed account will affect what kind of credit you can receive in the future and will reflect negatively in your credit score. If you are afraid of over spending it is just best to pay off your card in full and then cut up your card. 

 

 

Knowing the ins and outs of bankruptcy and how to recover from it is important when you are faced with a financial situation pointing towards bankruptcy. The Attorneys at Robinson, Seiler & Anderson in Provo can help you through the entire process. Call us today to talk to one of our experienced attorneys about your options concerning bankruptcy.

Dealing with a Foreclosure

 

Difficult financial situations will occur throughout your life. Having the knowledge and confidence to deal with these problems will help you to come out better off in the end. Dealing with a foreclosure is a scary and hard financial situation many of us might come into contact with. The Attorneys at Robinson, Seiler & Anderson in Provo can help. Below we have listed a few ways of coping with the stress of a foreclosure. 

 

Consult the proper Counsel

To give you peace of mind you will want to have the proper knowledge and advice on your side when it comes to going through a foreclosure. We at Robinson, Seiler & Anderson in Provo can provide you with an Attorney who will help you through the process. We pride ourselves on giving you the best advice for you, your family, and your current financial situation. 

 

Don’t Blame Yourself

Life happens. A lot of the time the events that happen are beyond our control. If you find yourself behind on mortgage payments and falling even more into debt it is ok to take the time to reevaluate and make the necessary adjustments, even if that does result in a foreclosure. What is most important is that you are doing what you need to in order to care for your family. 

 

Reduce Financial Stress

If you are facing a foreclosure, chances are that you are struggling financially in other areas as well. Make a budget and cut down financial stress as much as possible. Look for ways to reduce your monthly bills and increase your income. Getting everything else under control will help with the stresses of coping with a foreclosure. 

 

Understanding a Foreclosure

You’re not going to be forced out of your home overnight. Depending on where you live you have a set amount of days to figure out a new living situation or even get a loan that you can manage a little more easily. Involving the attorneys at Robinson, Seiler & Anderson in Provo can help you throughout the process and even buy you a little more time to get things in order. 

 

Keep Looking Forward

The best way to get through the stresses of a foreclosure is to think long term, talk about it, and move on. Don’t blame yourself for the current situation. Instead, find ways to get yourself on better financial ground. Talk with your spouse about the stresses you are feeling and what you can do to prevent this from happening again in the future. We can’t help the unpredictable events that occur in life. All we can do is find a way to grow stronger from them. 

 

 

At Robinson, Seiler & Anderson we pride ourselves on helping you and your family get through the hard times and come out better than before. Call or visit our office in Provo today to see what your options are when dealing with a foreclosure and get the knowledge, help, and experience you need.

The Disadvantages of Going It Alone When Filing For Bankruptcy

 

Many people choose to go it alone when filing for bankruptcy for many reasons. It could be that the self-representation is because some might feel that they cannot afford the attorney fees, or simply because they feel their cases are too simple to hire a Provo bankruptcy attorney. Filing for bankruptcy on one’s own is possible but it is not always wise. Most of the time, even for the cases that seem pretty straightforward, there still are ideas one can gleam off an experienced bankruptcy attorney.

 

Despite all the efforts to provide legal counsel, it is just not possible for everyone to have a lawyer. While the numbers vary from one state to another, on average about ten percent of bankruptcy cases nationwide are filed without a lawyer. Out of these cases, problems always arise that have people wishing they could have sought the services of a lawyer in the first place.

 

One of the surprisingly common situations is that of people finding out they did not need to file for bankruptcy in the first place. Some people only end up at this point because they do not understand what bankruptcy is meant to do, and the options that one has.

 

Another common problem many run into is that of filing under the wrong chapter. The most logical choices are chapters 7 and 13 bankruptcies for many people. However, there are important differences between these two options, and not everyone qualifies for either. The chapters differ in how they treat debt and property as well as the end result.

 

The documents

 

This is perhaps the most difficult part of the process; the paperwork. The biggest mistake many make here is the failure to file all the required documents. Apart from the actual bankruptcy forms, many courts also have local rules and forms. Property exemptions are another important part of the document filing process. While most common exemptions can be found online, it is important to have an expert on hand to verify all this. This is especially important of one is unsure how to value or list a specific piece of property.

 

Dealing with creditors

 

Many bankruptcy processes are pretty straightforward, but in some case, creditors might challenge the ability to discharge a debt, or trustees might allege fraud and so on. There is no predicting how a bankruptcy process will go, so it is important to have an expert by your side. Choose Robinson, Seiler & Anderson as your representatives.

Bankruptcy Success Stories

 

Every Utah County attorney will likely tell you that bankruptcy is not too scary a prospect, and that it might actually be helpful. Even then, there are horror stories going around and various misconceptions about the process. For the business owner in doubt, it might be nothing, but knowing some of the biggest corporations in the world once survived bankruptcy can be a consolation. Here are a few examples:

 

 

General motors

 

 

One of the largest car manufacturers in the world, there is one of the most popular chapter 11 bankruptcy filings. They filed in 2009, with the case receiving attention because of the fact that they owed more debt to creditors than their monthly profits could cover. When they filed, the company was taken out of the Dow Jones Industrial Average market listings. Today, they trade on the New York Stock exchange and are still one of the biggest car manufacturing companies in the world.

 

 

Kmart

 

 

The bankruptcy story of Kmart is one of the less well known, especially for those who do not ardently follow business. At the time, they were the largest retail business to ever file for bankruptcy. The intense competition from Target and Walmart means they could no longer maintain competitive pricing or attract customers. Even though the bankruptcy was highly anticipated, Kmart still operates today under the Sears Corporation.

 

 

Kodak

 

 

Camera owners never stop to think about the financial situation of the company which gives them so much. In 2013, Kodak found themselves in trouble after they could not keep up with shareholder expectations. The bankruptcy came from the fact that many people in the years before had switched to digital photography, leading to a steep decline in the company sales since 2007. They have, however, since recovered and seem destined for greater things.

 

 

Marvel Studios

 

 

New age movie lovers might not remember this, but Marvel’s is one of the biggest success stories for a company to ever sign for bankruptcy. The movie company famous for some of the biggest hits in the past few years was once forced down an unexpected path after a series of failing productions. Two decades after almost going under from financial troubles in 1996, the company continues to thrive.

 

Other notable bankruptcy success stories include Macy’s and Chrysler. Even though these stories show that one can come out stronger at the other end, this can only happen with enough guidance.

A Guide to Filing for Chapter 13 Bankruptcy

 

 

Filing for chapter 13 bankruptcy is relatively straightforward, and the steps are the same for everyone. Even then, there are a few measures one might take, with the help of their Provo bankruptcy attorney, which could help make the process go much smoother. One of the basics of chapter 13 bankruptcy is the fact that one should repay all their debt within between three and five years under a repayment plan. This gives the individual enough time to formulate a plan for getting back on their feet. Here are some helpful considerations for those looking to get back to financial freedom.

 

 

Budgeting

 

 

The biggest advantage of this type of bankruptcy is that it provides relief from payments that seem unmanageable. Still, one is required to make regularly scheduled monthly payments. The amounts are determined through a formula that takes into account the amount of debt, and the ability of the individual to pay them back within the stipulated period. The formula also considers other factors, like income, expenses and other financial obligations. One’s disposable income will be used as the basis for setting this budget and payment amount. An attorney will be helpful at this stage, providing information on, for instance, what can and cannot be regarded as disposable income.

 

 

Paperwork

 

 

Chapter 13 bankruptcy involves a significant amount of paperwork and subsequently a lot of time. One must make sure to provide all the information about their financial situation, leaving nothing out. If they leave out anything, for instance a credit card that they are currently using to pay bills, this might result in severe consequences, even their bankruptcy request being cancelled. With this in mind, one must pay attention to such records as their bank account statements, proof of income and tax returns. This information must not necessarily be available on hand, but must be gathered before filing.

 

 

 

Lawyer up

 

 

A good lawyer not only provides guidance through the initial stages of the bankruptcy filing, but also through the deal with the court, and even after the confirmation of the bankruptcy status. There are many steps involved in the bankruptcy filing process, including the actual making of regular payments as per the trustee’s requests. Even with such strict guidelines, sometimes creditors might demand payments that are higher than previously agreed upon. A lawyer can, at such a point, help the debtor dispute an unfair claim.

 

Bankruptcy is a complex process, which gets much simpler with the help of an experienced and capable lawyer. Call Robinson, Seiler and Anderson today for any bankruptcy related questions.

 

Understanding Bankruptcy Basics

 

 

 

 

For business owners, the time spent growing and managing the business over the years might be worth too much to let go. Even with the cliché saying that failures should be seen as opportunities, watching everything crumble into nothing is a terrifying experience. During those impossibly dry patches, bankruptcy can sometimes be the best option. It is a difficult decision, but one that the business owner themselves must make. Still, with enough help and good advice, one can come out the other end safely. Are you looking for the most reliable Provo bankruptcy attorney? Here are some important basics.

 

Types of bankruptcy

 

Perhaps the most important step is to learn about the different types of bankruptcy. The most common types are chapter 7 and chapter 13. Under chapter 7, all non-exempt assets are liquidated to pay off the creditors. This is normally the simplest option for those who have a large amount of unsecured debt like medical or credit card bills, and little income. Chapter 13, on the other hand, reorganizes the debt using a repayment plan. This is the best option for those with income but want to avoid foreclosure, or those who need time to catch up on their debts.

 

Paying creditors

 

One of the mistakes people make is attempting to pay off some debts before they sign for bankruptcy. This is normally the case for debts owed to friends, family or close associates. When one files for bankruptcy, trustees will scrutinize payments made to determine whether there were any preferential payments made. These preferential payments will likely be taken back and redistributed among all the creditors. If these close associates, friends or family cannot come up with the payments on time, then they could be sued to recover the payments.

 

Expenses

 

Contrary to popular belief, filing for bankruptcy is relatively inexpensive. In fact, filing for chapter 7 bankruptcy means one does not have to pay anything more than the basic case filing, administrative and trustee surcharge costs. Even then, these charges can be paid in installments, to be completed 120 days after the petition in not more than 4 installments.

 

Dispelling the myths

 

Other popular myths include the fact that bankruptcy hurts one’s spouse, which is not true. For those married, unless the debt is in both the individual and the spouse’s names, then there is no spillover to the other person. For debts that are in both names, the bankruptcy should be filed together.

Shining Some Light on Bankruptcy

 

 

 

 

 

 

The process of bankruptcy is designed to give you a new start when unfortunate circumstances have put your back against a wall and you just don’t see any way to pay your creditors.  If you have found yourself lying awake at night wondering how you are going to make ends meet, or if you dread going to the mailbox because you’ll find plenty of bills (but no checks with which to pay them), or if you have started avoiding answering your phone because you know that it’s most likely a creditor calling about getting paid, bankruptcy may be what you need.

 

Congress overhauled the bankruptcy procedure back in 2005, so you need to be sure that you have a good Provo bankruptcy attorney before you file.  You need to make sure that your attorney knows the latest developments in the law and is able to accurately and completely list your debts in the pleadings.

 

Not every debt that you have can be discharged in bankruptcy, so you want to be sure that your position is presented in such a way as to maximize your chances of success.  Further, if a creditor objects to something you’ve put in your paperwork, you need a good attorney to go to bat for you and make the correct arguments in front of the judge.

 

Choosing the right Provo bankruptcy attorney is vital to the success of your bankruptcy filing.  For this reason, we encourage you to take a long look at the attorney you are considering.  Does he or she know the law?  Does he or she have the experience in court to back up his or her claims?  Can he or she help explain the complex world of bankruptcy? 

 

Whether you are considering a total liquidation through a chapter 7, or thinking of putting together a payment plan through a chapter 13, or perhaps running your small business through a chapter 11, you need good, quality legal representation.  You need Robinson, Seiler & Anderson, LC.

Come visit our office and let’s talk.  We can take a look at your situation and help you make the choices that are best for you, your family, and your business.  We are here to help you through this time, and we want you to know that having the right lawyer can make all the difference in the world. 

Benefits of Filing Bankruptcy

 

 

Filing bankruptcy can often be intimidating. You may feel lost and confused as to how you have reached the point of debt to get you to the point of bankruptcy. You can have peace of mind during the bankruptcy process by consulting with a bankruptcy attorney at Robinson, Seiler & Anderson, LC in Provo. We can walk you through the bankruptcy process and help you get the advice you need. We have listed some of the benefits of filing bankruptcy below to give you some peace of mind. 

 

End Hassling Phone Calls

Creditors are known for calling at all times during the day throughout the week. The stress of their constant reminders of the debts you owe doesn’t help the situation you are in. When you file for bankruptcy the automatic stay in bankruptcy law makes it illegal for creditors to continue those calls or any other form of harassment. 

 

Keeping your House and Car

A myth about bankruptcy is that you will lose all of your valuables. As long as your house doesn’t have a large amount of equity and you aren’t facing foreclosure you will be able to keep your home when filing a chapter 7 bankruptcy. Depending on the value of your car, there are exemptions that will allow you to keep that as well. For more information on a chapter 7 bankruptcy and keeping your home and vehicle, consult with one of our bankruptcy attorneys for more information. 

 

Get rid of Unsecured Debt 

The amount you owe on credit cards or any debt that isn’t backed up by collateral can be completely liquidated if you qualify for Chapter 7 bankruptcy. The only payment that will be received is from any seized property, which is unlikely to happen.

 

Help with Secured Debt

Now that your unsecured debt is wiped away you can manage to make payments on your secured debt. Secured debt often included a monthly car or mortgage payment. 

 

Relax

While you wait to find out if you qualify for chapter 7 bankruptcy you have some time to relax from the financial pressures and get your finances in order. You will no longer be receiving hassling phone calls and you can focus on getting back on your feet. 

 

 

Bankruptcy can be daunting. Getting informed and educated on the process can help you to get through the process. Make sure you consult the bankruptcy attorneys at Robinson, Seiler & Anderson in Provo. Our experienced attorneys can give you the advice you need to start off on the right foot. 

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