Ganje Law Offices practices in the area of business turnarounds and workouts as an alternative to Bankruptcy in New York area. Initially we will analyze the financial situation of your business & offer innovative choices for business bankruptcy filing.
Archive for October, 2009
Oct
31
Police Officer Breaking the Law
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Oct
31
My kind of law firm…..
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Oct
31
Changes in chapter 7 & 13 in the New Bankruptcy Law
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Bankruptcy is provided by Federal Law and all the cases related to bankruptcy are handled in Federal Court. Basically it is a legally declared by the court in which any individual or the organization is unable to pay their debts, expenses, bills to their creditors. Those who are bankrupt can file bankruptcy in a way to stop their creditor to collect debt from them.
Chapter 7: Liquidation Bankruptcy & the changes under the new law
It would be very harder for some people to file bankruptcy now. Especially with higher income level category they are now no longer allowed to use chapter 7. They need to pay partial amount of their debt under chapter 13. Before filing a bankruptcy case all the debtors have to undergo for the credit counseling, budgeting and the debt management. This law imposes on the lawyers too so it is very difficult to find an attorney to represent the bankruptcy case. Following are the changes in the Bankruptcy Law –
• Under the old law many filers can choose the type of bankruptcy. Most of them were choosing Liquidation (Chapter 7 – Bankruptcy) over Repayment (Chapter 13 – Bankruptcy) because they proved beneficial for most of them. But under the new law, it would not be the case for the higher income group filers, the new law has prohibited from using chapter 7 bankruptcy for them.
• Now the question arises about how you will define your income is high for filing under the bankruptcy. Under the new rules, the first step is to figure out your monthly income against the median income for a household for your size in your state to file in the chapter 7 bankruptcies. If it is less than that then you can file under chapter 7 and if it is not then you have to pass the means test. Another clause or the law in order to file for chapter 7.
• The means test is to be done to calculate your disposable income and to see whether you have enough disposable income after deducting your expenses, debts, payments under chapter 13. If your income is high up to a certain limit after deducting your expenses, debts and all then you are not eligible for chapter 7 and if it is less than the certain amount then you can file under chapter 7 bankruptcy.
• Now the next step is the counseling from the approved agencies by the United States Trustee’s Office about the credit & debt counseling. Purpose behind this counseling is to see and give an idea about your need to file for bankruptcy.
Counseling is required even if it’s a repayment plan or for the debts that you are facing and you do not want to pay. If the agency come up with a repayment plan the agency proposes and you agree on that propose then you can submit it to the court along with the papers that you have completed the counseling process. Towards the end of your bankruptcy case, you will have to attend the last counseling session to learn about the personal financial management. After submitting the proof to the court you fulfilled this requirement.
These are the new changes in the bankruptcy law. There are other changes that can affect bankruptcy filers negatively. In short, debtors are at more risk of having their property taken and sold by the trustee or the authenticated person.
Oct
31
How Legal Funding- Lawsuit Funding Helps the Plaintiffs?
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Legal funding is cash funding made directly available to the plaintiff before his/her lawsuit comes to its final settlement. It could be advance funding made available before arbitration, a trial or hearing, or it could be funding made available during the appeals process.
It is also called as Lawsuit funding, Law funding, Lawsuit cash funding, Lawsuit pre-settlement funding, Lawsuit loan or Legal financing.
If you are a plaintiff involved in a lawsuit, and are represented by an attorney, you may be eligible for a Legal funding or Lawsuit funding on your pending lawsuit settlement.
Usually, the financial hardship of plaintiffs is the result of being injured and not being able to work. As you can understand, if they are not working, it may lead to drastic sudden reduction in income. This situation can cause a serious blow to individuals and their families struggling to survive economically. If they are not getting any salary they cannot pay their monthly bills. These bills may be the direct result of the injury such as medical and rehabilitation costs.
David vs. Goliath: Most of the times legal battle between plaintiffs and defendants is like a clash between David vs. Goliath. Because very often defendants, are represented by attorneys hired by big insurance companies. Even if, law is on your side, deep-pocket defendants can buy time with legal ploys and delays, and manoeuver to frustrate the plaintiffs. They exploit the cumbersome process of law to their legal advantage.
For example, even if a defendant has no legal grounds for an appeal, well-financed defendants can delay settlement of a lawsuit for months or even years or by filing appeal after appeal. Plaintiffs are very often pressured financially, because medical bills and other expenses – not to mention lost wages – add up to a budget stretched beyond its limits.
There is a famous saying – If the misery of the poor be caused not by the laws of nature, but by our institutions, great is our sin.
But here legal funding or lawsuit funding can be a great help. Plaintiff and his attorneys get a timely financial help in form of legal funding at a critical time and now they are ready to negotiate from a position of strength.
Legal Funding is no risk lawsuit funding: For plaintiff it carries no risk.
1. Because application and approval process is free and a good legal funding company will not charge any kind of upfront fees.
2. Legal Funding or Lawsuit funding are non-recourse transactions. Plaintiff pays back only if he/she wins or settles the lawsuit. If the plaintiff does not win their case, they do not owe any money to legal funding company. The money that was advanced by lawsuit funding is not owed. Any fees that may have accrued are not owed. You pay back legal funding only if you win or settle the case. No Win- No Pay Back, Period.
Legal Funding levels the playing field. There is no reason for plaintiffs to settle for less than their lawsuit is worth. Legal funding or Lawsuit funding is no-risk and a win-win help for plaintiffs involved in lawsuits.
Paul Sherman is a Legal Funding Consultant. He offers free, professional, and independent advice to plaintiffs involved in lawsuits (incl. business owners) & Attorneys. To apply for Legal funding, Workers Compensation funding, Commercial Lawsuit funding, Law Firm loan, Attorney funding & Structured Settlement funding please visit: http://www.easylawsuitfunding.com
Oct
31
Product Description
This digital document is an article from Los Angeles Business Journal, published by CBJ, L.P. on May 26, 2003. The length of the article is 835 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
Citation Details
Title: To high-rent family lawyers, keeping secrets quiet is key. (Wealthiest Angelenos: Rich Kids).
Author: Amanda Bronstad
Publication: Los Angeles Business Journal (Magazine/Journal)
Date: May 26, 2003
Publisher: CBJ, L.P.
Volume: 25 Issue: 21 Page: 32(1)
Distributed by Thomson Gale
To high-rent family lawyers, keeping secrets quiet is key. .: An article from: Los Angeles Business Journal
Oct
31
Searching for Los Angeles Employment Attorneys 101
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Many issues and problems may arise from one’s employment. In Los Angeles, for example, a worker may face issues such as sexual discrimination, minimum wage disputes or wrongful termination, to name a few.
When any of these situations arise, the smart possible thing to do is to hire the services of Los Angeles employment attorneys.
Seeking legal help in Los Angeles may not be so difficult. There are many law firms across the city as well as its surrounding areas, which offer their various services to clients. Aside from that, you can also conduct an online search to look for firms, which extend legal services that suit your needs.
However, when choosing employment attorneys, one must take into consideration one’s experience and skills in handling cases of similar nature as yours. Thus, when searching for employment attorneys, make sure that the professional you hire knows well the issues of your concern.
Los Angeles employment attorneys may handle work for either employers or employees.
For most employers, they hire lawyers in order to protect them from potential lawsuits that may arise from work. While a firm may already have a legal counsel to handle its issues, his position may be limited to evaluating a plan or laying down steps to resolve the situation at hand. If there is a chance that the employer can be sued, employment attorneys can help.
On the other hand, employees and workers may need employment lawyers to help them with issues such as discrimination, wrongful termination, wage and hour claim, among others.
To help you decide on Here is a checklist of criteria that will help you trim down your possible candidate lawyers:
• Biography of the Lawyer – You can find this bit of information on the website of the firm or the lawyer himself. Make sure that the lawyer you are hiring is an expert in the field they are handling.
• Background profile – Find out some information about your lawyer and check out their credentials — how many cases they have won, what firm they represent, the track record of the company, and other vital information
• Credibility & Integrity – This can be established by checking out forums, testimonials, endorsements.
• Public trust – You can ask what other people say about the candidate. Get recommendations from other people. Consult them about the skills and reliability of the lawyer.
Here are other ways of finding skilled and credible employment attorneys:
• The California bar association can give information on the track record of lawyers you are targeting for your company.
• Yellow Pages – Lawyers advertise their services, including their fees and contact numbers, on the telephone directory.
• Internet – The internet can provide rich ground to search for law firms or individual lawyers by accessing legal sites.
Finding lawyers who can meet the expectations of the employer can be a daunting task. There are certain considerations that the employer must look into before deciding to get legal representation. Likewise, they must find out if the prospective candidate understands what the employer needs and if there are no conflicts of interest.
To help you with issues regarding work and employment, you can avail of the legal services of our expert Los Angeles employment attorneys. Their skills and experience can help address your concerns properly. Get to know our expert lawyers through our official website at and have your case evaluated.
Before venturing into online content writing, Melvin wrote for various newsletters and publications where he wrote news articles, feature stories, and editorials. As an online writer, his area of concentration ranges from gambling and business articles, trade news, and blogs. He now writes legal articles for a Los Angeles based law firm.
Oct
31
Golden Ball; amusingly, Mother-in-Law’s Cushion
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Oct
31
Bankruptcy Law & Attorneys – Important Facts To Consider
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Bankruptcy law is a federal statutory law contained in title 11 of the United States codes. Congress passed the Bankruptcy Code under its Constitutional grant of the authority to establish a uniform law on the subject of bankruptcy throughout United States. States may not regulate bankruptcy though they may pass the laws that govern other aspects of the debtor-creditor relationship.
Bankruptcy allows a debtor, who is unable to pay his creditors to resolve his debts through the division of his assets among his creditors. Certain bankruptcy proceedings allow a debtor to stay in business and use the revenue generated to resolve his or her debts. A United States Bankruptcy court supervises bankruptcy proceedings and is where bankruptcy is litigated. Proceedings in bankruptcy courts are governed by the Bankruptcy Rules which were promulgated by the Supreme Court under the authority of Congress.
How Do Bankruptcy Proceedings Work?
Informally called “straight bankruptcy,” The most common type of bankruptcy proceedings liquidation involves the appointment of a trustee who collects the non-exempts property of the debtor, sells it and distributes the proceeds to the creditors.
Chapter 11 is reorganization. In this chapter the debtors are allowed to continue its operations while paying their debts. The debtor can either enter the bankruptcy proceedings or it can be initiated by the creditors. The creditors may not seek to collect their debts outside the proceedings at the most part, after the bankruptcy proceedings is filed. The latest revisions of the bankruptcy law are now in effect. Before the debtor can file a bankruptcy case, they should undergo credit counseling, budgeting and debt managements before the debt is wiped out.
Bankruptcy Attorney – Choosing the Right One
Bankruptcy attorneys explain the applications of bankruptcy laws and its applications. If the debtors or their lawyers set off the bankruptcy it is called a voluntary bankruptcy. If the courts initiate the bankruptcy it is called an involuntary bankruptcy. A good bankruptcy attorney will take all the problems away from the bankrupt person or company and deal with every aspect of the bankruptcy.
6 Helpful Tips and Considerations For Finding the Best Bankruptcy Attorney
1. Find a bankruptcy lawyer at the circle of your acquaintances. Keep in mind that bankruptcy law is a specialty, so if your lawyer offers to handle the case as part of your usual retainer, make sure he knows his way around a bankruptcy court.
2. Attorneys must be certified by the American Bankruptcy Institute.
3. Spend a day at a bankruptcy court.
4. What time frame do you have for this bankruptcy?
5. How much access will I have to an attorney during my bankruptcy filing?
6. Because bankruptcy law is a volume business, the time you’ll actually be working with a specific attorney may be small. Don’t hire the cheapest lawyer.
Dean Shainin offers valuable online debt solutions, news, tools and resources on bankruptcy and debt relief at his Bankruptcy site.
Oct
31
Canadian Immigration Law Firm Canadim Launches New Site
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Dery & Associates is a Montreal based immigration law firm that has recently made major changes in an effort to upgrade their site Candim.com. After months of extensive research and development, they have officially launched their new website. Already established as one of the top Canadian Immigration law firms they have made their site faster, made major design upgrades as well as significant improvements to their visa assessment procedure.
“We have worked with a team of professionals to come up with a design and interface which is cutting edge in terms of design and functionality. In today’s world, we wanted to make sure that we were leaders and not followers when it came to establishing an online presence. We want to emphasize direct contact with the clients and personalized service while balancing the many advantages of internet technology. Our new site allows for that in a way they won’t find with any other firm.” says Renaud Dery, managing partner. He goes on to explain that the way the industry is setup at the moment, most Canadian immigration websites are not using the internet to its fullest potential. With their new site, they’ve simplified things to the point where viewers don’t have to be tech savvy to find what they’re looking for and fill out their visa assessment.
The assessment forms cover each of the major Canadian immigration visas. Users will receive information about all of them in a simple yet detailed manner before being brought to the assessment most appropriate to their situation. “We have lawyers on standby ready to answer questions and help people through their process; we hold their hand the entire way through which is something most law firms could not promise.” says executive director Richard Dery. He goes onto explain that viewers have the ability to fill out a visa assessment form for free which will then be sent to a lawyer who will personally review their information.
With the growing number of people immigrating to Canada, Canadim has taken steps to further establish themselves as not only one of the top Canadian Immigration law firms, but also one of the most technologically integrated by maximizing the use of the internet thus making the process faster, cheaper and much easier. Not only that, but their site is constantly upgrading in response to the changing habits of the viewers as well as the changing laws. “This is the third generation of the site, we learned from experience that what people are looking for is personalized service. Our new business model allows for potential clients to get well informed through the site, submit an assessment, and then get real life personalized service from an immigration lawyer. We’re ready to serve them in a professional and cost effective manner.”
Their new site accessible here: http://www.Canadim.com
Canadim is a Montreal based Immigration Lawfirm. The managing partner, Renaud Dery, is an attorney member of the Quebec Bar Association (www.barreau.qc.ca) with many years of experience in the field of Canadian immigration. He holds a civil and common law degree from the University of Ottawa, as well as a Master?s degree in law from the King?s College London in England. All associates are experienced and certified Canadian lawyers with in depth knowledge of the laws and regulations which govern Citizenship and Immigration in Canada.
Dery & Associates
1682 Lincoln avenue
Montreal, Quebec
H3H 1G9 Canada
Tel: +1 514 989 9700
Fax: +1 514 989 9290
Oct
31
Legal Cpn 2010 Tell All Credit Bible.
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Hott Hott Hott!!! Here We Go Again!! Get On The Band Wagon This One Will Earn You Commissions! The Last Book Sold Over 100,000 Copies! This One Is The Best Credit Bible Ever Written Offered On CB!! Super High Commission Earner!!! 50% Commissions.