Additional 10% deposit due on the Real Estate to Brzostek’s, should the US Bankruptcy Court accept any or all of their prospective bids, to be made within 3 days (72 hours) of US Bankruptcy Court Bid Approval! Balance on closing in days. Property sold . No bid or proposal will be considered from a Contractor to whom a bid or proposal form has not been issued by the City of Rancho Cucamonga. For more information about the "Notice Inviting Bids", please contact the City of Rancho Cucamonga, Engineering Department at () Rancho Cucamonga chapter 13 bankruptcy attorneys. If you owe money but need time to repay it, you may require the services of a Chapter 13 bankruptcy attorney. In a Chapter 13 bankruptcy, the court appoints a trustee to help you straighten out your finances (sometimes called a financial reorganization).
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Seeks or dispenses no personal favors. Handles each administrative problem objectively and empathetically, without discrimination. Procurement Policies. Methods of Procurement. Additional Contact Information. Cain cityofrc. Velazquez cityofrc. Cheryl Combs, Procurement Technician Cheryl. Combs cityofrc. Martinez cityofrc. Close Enter your keywords:. In fact, paying your bills on time is likely the most important you can do to improve your credit score. Pay recurring bills, such as rent, telephone and utility bills, in full and on time.
To be on the safe side, if a payment is due on the first of the month, pay it by the 25th of the previous month. Consider setting up automatic payment deductions from your bank account for these payments to make sure you do not miss any of them. Setting up automatic payments from your bank account can help assure your making timely payments. Take the time to figure out how to do it. Have an agent from the bank walk you through the steps to set it up if necessary.
In order to establish good credit you need to seek out credit opportunities. After filing bankruptcy you will likely find lenders standing in line to extend lines of credit.
You need to take advantage of those offers and demonstrate your ability to handle your finances in a responsible manner. Avoid applying for lines of credit where you are likely to be rejected. A rejection from a creditor may hurt your credit score. Be selective when applying for any lines of credit. When you apply for a line of credit a hard inquiry is produced.
Having a lot of such inquires may lower your credit score because you may appear to be a bad credit risk. Imagine a Life Debt Free. Rancho Cucamonga Bankruptcy Attorney D. Feldman T Chapter 7 Basics. Thus, unsecured debts such as personal loans, medical bills, credit card debt and other debts may very often be completely discharged in the Chapter 7 bankruptcy.
The filing debtor is entitled to certain exemptions that may allow them to protect some and very often all of their assets from being liquidated by the bankruptcy trustee.
The laws regarding exempting assets can be complicated in some cases. The lawyer handling the case is in a position to provide legal counsel regarding a number of details that can prove critical in certain cases.
The lawyer can advise you of just what you may expect when filing bankruptcy. The lawyer will be able to make certain that everything is properly filed with the bankruptcy court and also provide the bankruptcy trustee with all of the documents that they require. Make sure that you schedule time to talk with an experienced Rancho Cucamonga bankruptcy attorney who will be able to go over the many details associated with Chapter 7 Bankruptcy.
Chapter 13 Basics. Income Taxes The Chapter 13 Bankruptcy allows the debtor to pay their outstanding taxes over the length of the Bankruptcy Payment Plan. Stop Car Repossessions By filing a Chapter 13 Bankruptcy you may be able to save your car from a repossession. Contact Us Now: Check all that apply:. I'm behind on my mortgage.
Dean W. Feldman Managing Attorney. Here are some of the questions you may expect from your attorney: Have you ever filed bankruptcy before? This is information that you may or may not know. There is no need to worry however. Are you married or single? It can sometimes be helpful for just one spouse to file bankruptcy. Though a spouse may not be filing bankruptcy you are still obligated to disclose information about your spouse to the court through the forms that get filed with your bankruptcy.
Do you own real estate? When a bankruptcy debtor either owns real estate or has previously owned real estate there are additional considerations that will be required in order to best counsel a person that is considering to file bankruptcy.
In California there are two sets of exemptions that may allow you to protect your assets. There are limitations to the amount of assets you may be allowed to hold on to when filing bankruptcy. If you are trying to protect your equity in the home you live in you may need to make difficult decisions regarding holding on to all of your vehicles.
This is something that will be part of our discussion with you. How much rent are you paying? Are there judgments against you? Are there ongoing law suits against you?
If there are judgments or law suits against you it will require additional research to obtain information that the bankruptcy court will require. Do you have any law suits or potential legal claims against anyone? If you have a legal claim against any entity that may result in an award of some asset the bankruptcy court will need to know.
How many cars, trucks, motorcycles and recreational vehicles do you possess? Everyone who files for bankruptcy is required to take a credit counseling course that is approved by the Department of Justice. Credit counseling courses like this one give you an idea of whether you really need to file for bankruptcy or whether you could get back on your feet through some type of informal repayment plan.
You will provide the credit counseling agency with your income and expenses. Together, you will review the options for repaying the debt, like debt consolidation , or debt settlement. In many cases, this exercise only confirms that you don't have any feasible options for addressing the debt other than bankruptcy.
The course takes at least one hour and can be completed online or by telephone. Once you complete the course, you will receive a certificate of completion. Keep it. You will need to give a copy of this certificate to the court when you file your bankruptcy forms in Step 5. This is the most time-consuming step. The Bankruptcy Forms include 23 seperate forms totalling roughly 70 pages. The forms ask you about everything you make, spend, own and owe. If you download and print out the forms online, you will have to enter repetitive data and make lots of math calculations.
The court will decide whether you get a fee waiver after you file. If your application is denied, the court will order you to pay the fee in installments. Once you have prepared your bankruptcy forms, you will need to print them out for the court. You must print them single-sided. Most bankruptcy courts require just 1 copy of the petition, but some courts like the bankruptcy court in Manhattan require 4 copies.
So call your local bankruptcy court to find out how many copies you will need to bring. The court is open from Monday through Friday excluding federal holidays during normal business hours. Call ahead of time if you want to know when it is open. If you have questions about how to get to the court, you can call the court staff. Edward R. Robert F. Robert E. Robert T. Once you enter the doors of the court house, you will be greeted by security guards, who will ask you to pass through a metal detector.
Or if you are filing a fee waiver or installment plan, you hand the clerk the fee waiver form or fee installment form instead of the cash. The clerk will take your bankruptcy forms and ask you to take a seat in their waiting room. As soon as they are done processing your forms, the clerk will call you back to the front desk. The clerk will give you:. At this point, your case has been filed! Something very important has just happened. This lasts until the end of your bankruptcy case, at which point most, if not all, of your debts will hopefully be erased.
The bankruptcy trustee is a official appointed by the court to oversee your case. Pay attention to mail you receive from the trustee after filing. The trustee will send you a letter asking you to mail them certain financial documents , like tax returns, pay stubs, and bank statements.
As soon as possible after filing your bankruptcy forms, you also need to take your second mandatory bankruptcy course.