Spending Before and After Filing Chapter 7 or Chapter 13 This article will tell you in general what you need to know about spending before and after filing a bankruptcy petition. You will also find out what the Trustee is looking for and how he or she investigates a case. If after reading this article you have questions about your unique, specific financial situation, contact our office for a free consultation with an experienced Pennsylvania bankruptcy attorney. The Bankruptcy Trustee Will Check Your Bank Account Records Why Your Attorney and the Trustee Need Your Account Statements In the course of preparing your bankruptcy petition and schedules, your attorney will ask you for several month’s worth of statements from any and all checking and savings accounts you have.  These bank statements will be used to support the income and expenses you set forth in your filing. They will also be used to prepare your list of exemptions, either state or federal according to your specific financial situation. Money in those accounts and cash on hand can be exempted from the bankruptcy estate in limited amounts which vary by state. The Look Back Period for Chapter 7 or Chapter 13 Your attorney will submit your bank statements to the Trustee prior to your 341 Meeting of Creditors. The Trustee’s job is to find money to repay your creditors if there is any. He or she needs your bank statements to see if there have been any preferential or fraudulent transfers or luxury purchases during the look back period, which is ninety days for general creditors and one year for insiders like friends and family. At the 341 meeting the Trustee will ask you whether you have made such transfers or purchases, as well as whether you used your credit cards in the months prior to filing. Credit card debt incurred “in contemplation of bankruptcy” can be deemed nondischargeable.  An example of this is when you go on a spending spree in the month before filing knowing that you are going to file Bankruptcy. “What if I recently sold or gave something away?” The look back period also applies if you sell or give away any of your assets just prior to filing.  The Trustee will ask you if you have done so, and has the power to “claw back” those assets if so. This includes transfers to your friends or relatives. Spending Money Before Filing Chapter 7 or Chapter 13 If you are considering filing a bankruptcy petition, you should avoid making luxury purchases or preferential transfers prior to filing. This means avoiding big purchases such as a second car or a house or an expensive vacation. This also means not repaying a loan to a friend or to family just before filing. If you think you may have already done any of this, you should consult with your attorney about the timing of your filing so that the spending does not appear during the look back period. Spending Money After Filing Chapter 7 or Chapter 13 Spending While in Chapter 13 If you file a Chapter 13 bankruptcy petition and your case is confirmed, you have shown the court and the Trustee that you have sufficient income to pay your ongoing expenses and also repay your creditors in part.  The money you make after the filing date should first be used to make your monthly plan payment to the Trustee. After that, your money is yours to do with as you please, up to a point:  if you need to make a large purchase such as a car or a house, you might need the court’s permission. Consult with your attorney. Spending While in Chapter 7 If you file a Chapter 7 bankruptcy petition and it is a “no asset” case, your spending after filing should reflect what you stated on your schedules.  If either your income or your expenses change considerably while still in Chapter 7, again, you should consult with your attorney. Can I Take a Vacation While in Chapter 7? If you want to take a vacation while in Chapter 7, this is permissible as long as it is in your budget. Keep in mind however there is always the chance the Trustee and/or your attorney will request additional information or documentation while you are away.  Since Chapter 7 is over in four- to six-months, it might be better to wait until you receive your discharge before travelling for an extended period of time.. What Not to do Before Filing Bankruptcy Because the Trustee will investigate all of your financial activity in the months just prior to the date of filing, you must avoid the following during the look back period: making large purchases repaying debts to friends or family giving away or selling any of your property using your credit cards The bottom line: your filing should accurately disclose your expenses, income, assets, and debts in the months leading up to filing as well as on the day of filing.  For even more about what to know before filing bankruptcy, see this article. “Do I need a bankruptcy attorney?” This article is not meant as legal advice. Instead, it is meant to let you know that the way you use cash or credit before and after filing can impact your case. It may even result in certain debts being deemed nondischargeable, or in your discharge being denied altogether. Also, keep in mind that the trustee can seize any cash you have in excess of what is exempted and can also “claw back” any property you’ve sold or given away just prior to filing. If you think any of this might apply to you, call or email us so that we can help you time your filing to give you the best chance of receiving a discharge and getting a fresh start. Asking questions now and getting the right answers can help you avoid problems later on. The post Spending Before and After Filing Chapter 7 or Chapter 13 appeared first on Bankruptcy Lawyer in Philadelphia PA | David M. Offen Attorney at Law.

from City Bloghttps://www.gothamgazette.com/city/8695-city-officials-debate-what-to-do-about-taxi-medallion-debt-crisis

Filing for bankruptcy is a thought that could easily cause severe stress for a person. This is especially true if the individual that is drowning in debt is married and is worried about how a bankruptcy filing could affect their spouse. If you need legal assistance to determine your best options for filing bankruptcy while […] The post Can You File Bankruptcy by Yourself in New Jersey if You Are Married? appeared first on .

    Generally balloon payments are frowned upon in chapter 13 cases, generally raising feasibility objections.  Unusual facts lead to an exception to this rule in In re Olsen, 2019 Bankr. LEXIS 2250, Case #18-14255-13 (Bankr. W.D. Wis. 22 July 2019).  Here the debtor provided for monthly payments of $1,785 with a lump sum from refinancing to pay a matured $215,613.51 claim at 4.88% secured by real estate including both debtor's home and business.   Two major factors appeared to influence the court's decision.  First, there were no unsecured creditors in the case.  Second. the court found that the bank holding the mortgage engaged in unfair, deceptive conduct against the debtor resulting in the bankruptcy filing.  Mr. Olsen, the Debtor, had owned a restoration company which had a loan since August 2014 with State Bank guaranteed by Mr. Olsen personally and secured by real and personal property including Mr. Olden's home.  Mr. Olsen had remained current on the debt.  The note matured on February 3, 2018; but while the renewal had the same payment as the original loan, instead of renewing for a similar term it included a $204,000 balloon payment in only 3 months.  The court appeared convinced Mr. Olsen was not aware of the balloon, believing it had the same terms as the original note.  When Mr. Olsen defaulted on the balloon payment, State bank obtained a judgment in foreclosure in November 2018 of $214,267 and set a foreclosure sale the next month.  Mr. Olsen filed for relief under chapter 13 prior to such sale.  As noted above, Olsen filed a plan providing for monthly payments toward the secured claim, plus a balloon for the balance through a refinancing of his property.  State bank objected both under §1322(b)(2) (modifying a mortgage secured solely by homestead) and §1325(a)(5) (extending payments beyond 60 months), as well as to feasibility.  To avoid a balloon debtor would be required to make equal payments of $3,593.56, which is not possible given Mr. Olsen's income.  The court first discussed feasibility.  §1325(a)(6) requires that the debtor 'will be able to make all payments under the plan and to comply with the plan.'  This requires that the plan have a reasonable likelihood of success given the particular circumstances of the case.  The debtor's income should exceed expenses by an amount sufficient to make the proposed plan payments.  The future income projections supporting such plan must not be speculative, conjectural or unrealistic.   The court noted that the proposed plan payments were the same amounts as were paid under the note prior to the balloon.  There is no per-se bar on a provision to fund certain plan payments through a refinancing.1   However most courts find that where consummation of a plan hinges entirely on an event scheduled three to five years from confirmation, it fails the feasibility requirement.  Other courts allow such balloon payment plans if the debtors show by definite and credible evidence that they will have the financial ability to make the balloon payment.  Factors considered by the courts in this determination include 1) equity in the property at the time of filing; 2) debtor's future earnings capacity; 3) debtor's future disposable income; 4) whether the plan provides for the payment of interest to the secured creditor over the life of the plan; 5) whether the plan provides for the payment of recurring charges against the property, including insurance and taxes; and 6) whether the plan provides for substantial payments to the secured creditor and will significantly reduce the debt and enhance the prospects for refinancing at the end of the plan.2  The court found the evidence supported feasibility.  The budget showed he could afford the monthly payments, which were in the amount made by him without default to State Bank since 2004.  State Bank noted that the budget shows January through March as being slower, with less income, thereby negating feasibility.  The court rejected this argument, finding it looked at too microscopic a view of the budget, when the good months more than compensate for the slow season.  These figures were supported by post-petition income and expense documentation.  Mr. Olsen also testified that he has future jobs lined up totaling $65,529, reflecting significant demand for his services.   Olsen has 15 years experience in the restoration business and a positive reputation in the community.  The court also found the lack of unsecured debt and the only defaulted secured debt to be State Bank indicia supporting approval of the plan.  Finally, the court determined that there was $100,000 equity in the real property, and is building additional equity through the plan repayment both through payment to State bank and through continuing payments on the 1st mortgage on the same property.    The court also rejected State Bank's argument that the failure to refinance the loan prior to filing or during the case.  The court found Owen was lulled or misled by the bank into a false sense of security when renewing the note, and by the time he realized the true situation he was in default.   The court noted the difficulty faced in trying to refinance a loan that is already in default under great time pressure.  Next the court examined the plan's compliance with §1322(b)(2).  This provides that a plan may "modify the rights of holders of secured claims, other than a claim secured only by a security interest in real property that is the debtor's principal residence . . . ."  11 U.S.C. 1322(b)(2).  The section does not apply when the real estate includes a use in addition to the principal residence.3   At the time Owen and State Bank initially entered the loan agreement, they intended to enter into a commercial rather than a residential transaction. Since Owen's property includes both his home and his business, and the business facilities are not merely incidental to the residence, §1322(b)(2) does not apply. The court went on to find that the plan's treatment of the secured claim was permissible under §1325(a)(5)(B)(iii)(I).  This requires that if property to be distributed pursuant to this subsection is in the form of periodic payments, such payments shall be in equal monthly amounts.  11 U.S.C. 1325(a)(5)(B)(iii)(I).  While the majority of courts find that this provision prohibits balloon payments, a growing minority interprets the 'periodic payments' language as limited to the the regularly reoccurring payments; and thereby excludes the one-time balloon payment.4  This is in accordance with the common and technical understanding of these terms.   A one time payment cannot be reoccurring.  Per Blacks Law Dictionary a balloon payment is a final loan payment that is usually much larger than the preceding regular payments.  It also references its definition of a balloon note as one requiring small periodic payments but a very large final payment.  Other recent authorities agree with the minority interpretation.5   The court also noted that while there is little legislative history to this particular provision, the majority view is contrary to the legislative purpose of chapter 13 generally, to provide a flexible means for the debtor to protect his assets, most importantly those assets necessary to pay his creditors by completing his plan, such as a house to live in or car to drive to work.  The provision is intended to prevent innocent creditors from being taken advantage of.   The court found State Bank came in with unclean hands given the circumstances of the renewal of the loan.  The bank faces minimal risk given the equity in the property and the building of additional equity during the life of the plan.   Finally, the court found that State Bank was equitably estopped from objecting to the plan.  Wisconsin sets forth three requirements for a defense of equitable estoppel.  1) action or non-action; 2) by the party against whom equitable estoppel is asserted; 3) which induces reasonable reliance by the other party; and 4) which is to the relying party's detriment.  Even under the majority view, State Bank would be estopped from objecting if the plan term was no longer than the original term of the note.  The bank prepared the renewal note and had the debtor sign it as a renewal, without advising him of the 3 month balloon.  The bank's action or inaction was in failing to advise the debtor that they would not renew the note under the original term or advising him of the 3 month balloon. Olsen relied on the bank's representations, believing he was renewing the note on the original terms.  Such reliance harmed the debtor in resulting in a foreclosure on his property and the bankruptcy filing.  Such reliance, even in the absence of reading the renewal note, was reasonable given the long relationship between Olsen and the bank, and the diligence of Olsen in contacting the bank before the prior note came due to get a renewal.  The court also discussed a possible alternative remedy of reforming the renewal note to match the terms of the original note.  This remedy is available when the written instrument fails to express the intent of the parties, due to a mistake by one party combined with the fraud or inequitable conduct of the other.   This is satisfied when one party is mistaken as to a material term of the instrument and the other party is aware of the mistake and fails to point it out.  Such an reformation in this case would result in a new note of not less than 42 months from the commencement of the plan followed by a balloon payment.  The court concluded by approving the plan proposed including the balloon payment.1 In re Primes, 518 B.R. 466, 481 (Bankr. N.D. Ill. 2014) (citing Branigan v. Bateman (In re Bateman), 515 F.3d 272, 279 (4th Cir. 2008)).↩2 First Nat'l Bank v. Fantasia (In re Fantasia), 211 B.R. 420, 423 (B.A.P. 1st Cir. 1997);  Chelsea State Bank v. Wagner (In re Wagner), 259 B.R. 694 (B.A.P. 8th Cir. 2001).↩3 In re Snowden, 546 B.R. 39, 43 (Bankr. E.D. Ky. 2016) (quoting Keith M. Lundin & William H. Brown, Chapter 13 Bankruptcy § 119.1 at ¶ 1 (4th ed.).↩4 In re Cochran, 555 B.R. 892, 897-98 (Bankr. M.D. Ga. 2016).↩5 A regular installment payment or payment of interest on the debt is a 'periodic' one, whereas a lump sum payment is not . . . . [T]his interpretation of 'periodic payments' accomplishes the primary objective of the new provisions of Code § 1325(a)(5)(B)(iii) . . . ." Hon. W. Homer Drake, Jr., Hon. Paul W. Bonapfel, & Adam M. Goodman, Chapter 13 Practice & Procedure § 5:18 (2016). See also Lynn M. LoPucki, House Swaps: A Strategic Bankruptcy Solution to the Foreclosure Crisis, 112 MICH. L. REV. 689, 729-33 (2014) ("Had the drafters . . . intended [section 1325(a)(5)(B)(iii)(I)] to prohibit balloon payments and periodic payments, the drafters would have said 'all plan payments' instead of 'such payments.'").↩ Michael BarnettMichael Barnett, PA506 N Armenia Ave.Tampa, FL 33609-1703813 870-3100https://hillsboroughbankruptcy.com

from The Jewish Voicehttp://thejewishvoice.com/2019/07/24/private-equity-firm-buying-up-nyc-medallion-cabs-to-take-on-uber-lyft/

From Forbes.comhttps://www.forbes.com/sites/zackfriedman/2019/07/23/cancel-student-loans-elizabeth-warren/#fb140955bc71

If you are filing for bankruptcy and either have a life insurance policy or are the beneficiary of one, there are several ways you can protect the value of the policy. Protecting Your Life Insurance Policy When Filing Bankruptcy Is Your Policy Whole Life or Term Life? A “term life” insurance policy does not accumulate cash value. Therefore, a term life policy is not considered an asset during bankruptcy proceedings, and the death benefit is not at risk whether you are a beneficiary or a policyholder. A “whole life” policy may not be safe from creditors. Whole life policies accumulate cash value you can borrow, making your whole life policy a personal asset. If you hold a whole life policy, there are several ways you can protect its cash value. Continue reading and contact an experienced bankruptcy attorney to understand your options. Are You Filing Chapter 7 or Chapter 13 bankruptcy? The type of bankruptcy you file for will impact what happens to your whole life policy. In a Chapter 7 bankruptcy, a court-appointed trustee is permitted to liquidate any of your assets not “exempted” from your bankruptcy estate. The proceeds from that liquidation are used to pay creditors. Any remaining debts are discharged or eliminated. Any cash value your whole life policy has accumulated is considered an asset and may be at risk. Continue reading to learn about whether your whole life policy’s cash value may be covered by an exemption – the exemption allows you to keep the cash value of the policy In a Chapter 13 bankruptcy, you won’t give up any of your assets, but you will enter a repayment plan lasting three (3) to five (5) years. This repayment plan factors in all of your assets, which may include the cash value of a whole life policy. However, there may be an exemption that will help you protect the value of your policy. Exemptions May Protect Your Life Insurance Although the cash value of your whole life policy may be at risk when you file for bankruptcy, you may still be able to protect this asset with a state or federal “exemption” statute. Federal law exempts unmatured life insurance policies (except for credit insurance); a life insurance policy with loan value up to $13,400; disability, unemployment, or illness benefits; or life insurance payments for a person you depend on for financial support. (See 11 U.S.C. 522(d)(7)–(11).) Some states allow you to choose between using the federal bankruptcy exemptions or your state’s exemption system (AK, AR, CT, DC, HI, KY, MA, MI, MN, NH, NJ, NM, NY, OR, PA, RI, TX, VT, WA, WI). If you are unable to use a state or federal exemption, a wild card exemption may still be available. Wild card exemptions can be used to protect nonexempt assets in bankruptcy. The amount that is allowed under the wildcard benefit varies state-to-state. These state, federal, and wild card exemptions apply not only to the cash value of your whole life policy, but also to any proceeds to which you may be entitled as the beneficiary of a life insurance policy. To understand what exemptions may be available to you as the insured or the beneficiary, contact trusted bankruptcy attorney David Offen. Protecting Life Insurance Proceeds When You Are a Beneficiary Filing Bankruptcy Bankruptcy Estates When filing for bankruptcy, a bankruptcy estate is created with all property and assets included, as well as any property received within 180 days of filing. The value of the bankruptcy estate becomes the money used to repay creditors under Chapter 7 or helps to establish the payment plan you will follow under Chapter 13. Generally, if a debtor becomes entitled to benefits more than 180 days after filing, these funds are excluded from your bankruptcy estate and are not at risk. However, if you become entitled to benefits within this 180-day window, you may still be able to protect these proceeds with an exemption. For example, under federal law, you can exempt benefits you receive from an individual you were financially dependent on, if the funds are “reasonably necessary” to support you and any of your dependents. Many states also provide exemptions for death benefits. The law on this is nuanced and your attorney will help you should you find yourself in this situation, but as a general rule, the timing of receipt of life insurance proceeds is important: When did you receive your benefits? I Became a Life Insurance Beneficiary Before Filing Bankruptcy. If you are a beneficiary and received funds before filing bankruptcy, these proceeds are treated as a cash asset and are vulnerable to creditors. In a Chapter 7 bankruptcy filing, these assets can be seized and used to pay creditors. In a Chapter 13 bankruptcy filing, these assets are considered when your payment plan is established. You may be able to use a state or federal exemption to protect these funds.  The exemptions available to you are the same as those discussed above for whole life policyowners. Death Occurred Before I Filed, but I Haven’t Received the Benefit. If the death occurred before you filed for bankruptcy, but you have not yet received the benefits, any proceeds you become entitled to before filing become part of your bankruptcy estate. A beneficiary becomes entitled to death benefits on the day the insured dies. Therefore, the proceeds you will receive are considered an asset of your bankruptcy estate, and you need an exemption to protect these funds. These exemptions are the same as the type used to protect a whole life policy that you own. I Became Entitled to Life Insurance Benefits within 180 days of Filing. If you recently filed for bankruptcy and are anticipating a death benefit, the insured’s date of death is an important date to keep in mind. If a loved one dies within 180 days after the date you filed, the insurance proceeds you receive are property of your estate. This is true even if your bankruptcy case is already closed. You must notify the court and discuss with your attorney what exemptions might apply to protect your proceeds. Again, if the death occurs after that 180-day window, your benefits are exempt  because the proceeds were not part of your estate when you filed for bankruptcy. About the author: Chad G. Boonswang, Esq. Mr. Boonswang is a litigation lawyer based in Philadelphia, PA, having graduated from the University of Pennsylvania and the Villanova University Charles Widger School of Law. Mr. Boonswang is a member of the Philadelphia Bar Association, the Pennsylvania Bar Association, the American Bar Association, and the Union League of Philadelphia. In 2003, Mr. Boonswang founded his own practice prosecuting life insurance claims and catastrophic injury cases, and his firm has since recovered tens of millions of dollars on behalf of his clients. Mr. Boonswang maintains a popular and active blog on all aspects of life insurance law and policy. The post How to Protect Your Life Insurance in Bankruptcy appeared first on Bankruptcy Lawyer in Philadelphia PA | David M. Offen Attorney at Law.

I recently found out I was Board-Certified while I was in China adopting my new daughter.  This is my most meaningful professional achievement to date for many reasons.  Running a niche restructuring practice (that is debtor-focused) as a solo practitioner is not for the faint of heart.  I thank my staff, colleagues, mentors and referral sources who continue to entrust to me their clients.  I take each referral very seriously.  Another special thanks goes to my friends and family.  All of you have enabled me to hold tight to my career which has always been important and meaningful to me.    Thank you.  Board-Certified…. at last!!!! FOR IMMEDIATE RELEASE SALENE R. KRAEMER,PITTSBURGH,PENNSYLVANIA CERTIFIED IN BUSINESS BANKRUPTCY LAW March 29,2019-The American Board of Certification announced that Salene R.Kraemer, attorney with Mazurkraemer Business Law, in Pittsburgh, Pennsylvania, has successfully completed the requirements for national certification in Business Bankruptcy Law. To become certified, Ms.Kraemer satisfied the following requirements: Full-time practice of law for at least five years; Good standing in the bars of all states in where a license to practice law is held; Devoted at least 30% of practice time and at least 400 hours to bankruptcy-related matters in the last three years; Documented involvement in Business Bankruptcy by providing information on cases practiced; Demonstrated commitment to continuing legal education by earning at least 60 hours of bankruptcy education in the past three years. Passed an extensive, day-long written examination covering Business Bankruptcy issues. The American Board of Certification (ABC) is a non-profit organization dedicated to serving the public and improving the quality of the bankruptcy bar. The rigorous ABC-certification standards are designed to encourage bankruptcy practitioners to strive toward excellence and to recognize those attorneys who are experts in the bankruptcy field.  The ABC offers separate certificate programs in business and consumer bankruptcy and creditors’ rights.  All three ABC Certification Programs are accredited by the American Bar Association.  For a complete listing of certified attorneys, see our webpage at www.abcworld.org. The ABC is co-sponsored by The American Bankruptcy Institute and the Commercial Law League of America.  The ABC Board of Directors consists of many of the nation’s finest bankruptcy and creditors’ rights attorneys, former judges, and law professors. ###

4 Ways a Bankruptcy Lawyer Can Help You Filing for bankruptcy is not as simple as filling in your personal information on some forms and submitting them. The process can be deceptively difficult, and it can take months to get the resolution you want. You may be able to file for bankruptcy on your own, but that doesn’t mean that you should. Here are just four ways that a Phoenix bankruptcy lawyer can help you: Fill Out the Paperwork Properly Filing for bankruptcy does require filling out a lot of paperwork. You can find these forms online and fill them out yourself, but if you make any kind of mistake, you can jeopardize your case. Some mistakes can even land you in legal hot water. Hiring a bankruptcy attorney near Phoenix ensures that your forms will be filled out properly, so your case can move forward quickly and smoothly. With an attorney doing the paperwork for you, you’ll also save yourself a lot of time, and you’ll have peace of mind that everything has been done by the book so that you don’t risk any legal consequences. Give You Advice You may not be sure if filing for bankruptcy in Phoenix is right for you. Or you may be struggling with whether you should file for Chapter 7 bankruptcy or Chapter 13 bankruptcy. There are a lot of things to consider, and even small choices you make can have a big impact on your future. A experienced bankruptcy attorney in Phoenix can give you advice based on knowledge of the law and knowledge of your financial circumstances. Your bankruptcy lawyer will help you see how each of the potential choices you make can play out in your future. Your attorney will give you the pros and cons of each scenario, ensuring that you can make an informed decision that will help you meet your goals. Represent You at Hearings You will need to attend a bankruptcy trustee meeting in which your debts and assets are analyzed. Your creditors are also invited to this meeting, and they have the option to participate. Depending on the complexity of your case, there may be other hearings or proceedings that you need to attend. When you hire a bankruptcy attorney in Arizona to represent you, your attorney will attend these hearings on your behalf. In many cases, you won’t have to attend any of these proceedings at all. Provide the Skill and Experience for Complicated Cases Not all bankruptcy cases are cut and dry. You may have a complex case involving business assets, debts or assets split with your spouse while you are currently in the middle of a divorce, and so on. Not just any attorney can handle these cases. An experienced bankruptcy lawyer near Phoenix can offer you the skill and knowledge to handle even the most complex case with competence. Your case will be processed smoothly, you’ll get all the answers you need along the way, and you will be able to get the best outcome for your case. Never try to take on a bankruptcy filing by yourself. You don’t have the training or the experience to handle these cases properly, and you could be putting your rights and your finances in jeopardy if you attempt it. Hire an experienced bankruptcy lawyer who can guide you through the process from start to finish and who can help you get the results you want. Working with an attorney can also help you get the debt relief you need more quickly. You won’t have to spend a lot of time researching what you need to know or correcting your mistakes. Everything will go as needed from start to finish. If you are considering filing bankruptcy, call My AZ Lawyers to talk with a qualified bankruptcy attorney. Our bankruptcy lawyers will help you understand the options available to you and how they may benefit you. Your attorney will then put together your paperwork and file it as quickly as possible so you can begin moving toward the debt relief you need. Our bankruptcy attorneys can handle even the most complex cases, so you can trust them with any of your needs. Call us in Phoenix today to schedule an appointment with one of our bankruptcy lawyers. Published By: My AZ Lawyers Mesa Location: 1731 West Baseline Rd., Suite #100 Mesa, AZ 85202 Office: (480) 448-9800 Glendale Location: 20325 N 51st Avenue Suite #134, Building 5 Glendale, AZ 85308 Office: (602) 509-0955 Tucson Location: 2 East Congress St., Suite #900-6A Tucson, AZ 85701 Office: (520) 441-1450 Avondale Location: 12725 W. Indian School Rd., Ste E, #101 Avondale, AZ 85392 Office: (623) 399-4222 The post 4 Ways a Bankruptcy Lawyer Can Help You appeared first on My AZ Lawyers.

https://www.google.com/url?rct=j&sa=t&url=https://www.crainsnewyork.com/transportation/mystery-buyer-snaps-taxi-medallions-prices-fall-further&ct=ga&cd=CAEYA CoT NzYwMD EyMzg5NzE2MT IyOD AwNzIaODI2O DhkN2IzN Dg3ZjgyM Dpjb206ZW46VVM&usg=AF QjCNGA9sIk3_MkR8O3JL Vp6J NikqTi2A