The bankruptcy law reads that one can only file for chapter 13 bankruptcy protection if their total debt falls below the defined debt limits.
Before I get distracted Mark Reynolds Jersey , let me give you the information you came for: the Arizona chapter 13 bankruptcy debt limits. A chapter 13 debtor must have non-contingent, liquidated unsecured debts LESS than $336,900 and non-contingent, liquidate secured debts of LESS than $1 Pat Valaika Jersey ,010,650.
What does this mean? Chapter 13 bankruptcy debtors are limited in the amount of debt they have. If you have more than the above amount, you may have a problem. But, let me be clear Todd Helton Rockies Jersey , you haven't struck out yet. This is where you need to consult an experienced bankruptcy attorney.
Let me tell you a little story. I recently met with a potential bankruptcy client that was under the impression she did not qualify for chapter 13 bankruptcy because her unsecured debt exceeded the allowed debt limit. Are you wondering how she accumulated that much unsecured debt? Good question.
Prior to meeting with me, she decided to turn her home over to the mortgage holder by way of a deed in lieu of foreclosure. For those not familiar with the term, in a deed in lieu of foreclosure, the property owner gives the property to the lender voluntarily in exchange for the lender canceling the loan.
The item transferred is the deed to the property. The lender promises not to initiate foreclosure proceedings Nolan Arenado Rockies Jersey , and to terminate any foreclosure proceedings already underway. The lender may or may not agree to forgive any deficiency balance that result from the sale of the property.
As a result, the entire mortgage balance was listed on her credit report as an unsecured debt. The house had not yet been sold, so the question of whether or not a deficiency was present could not be answered. However, it could be reasoned that the entire debt amount should not be included as a debt. The had the house Trevor Story Rockies Jersey , right? It had to be worth something.
We were able to file her petition with the said debt listed as disputed, and thus not included in her bankruptcy petition. Since filing the house has sold, and the debt has been eliminated.
What is the moral of my story? It is true that you must abide by the chapter 13 debt limits as outlined in the bankruptcy code. However, consulting with a qualified bankruptcy lawyer never hurts. Many of us have quite a few tricks up our sleeves. How To Cope When Feeling Overwhelmed Self Help Articles | September 28 Charlie Blackmon Rockies Jersey , 2009
When feeling overwhelmed it is easy to get sucked into a cycle of frantic action which takes you from one part of something to another and never actually complete anything at all.?? It is important to take a step back and look at things in a different way.
I always remember someone asking "what is the best way in which to eat an elephant?" The answer was "in bite sized chunks". Whenever you start to feel a little overwhelmed the key to coping well is to break your elephant down into small chunks which are easy to chew and swallow. You may like to create lists and action points to help in this task, but first you have to get your focus away from the big picture which seems too much to deal with and instead to focus in upon the bits which you can control.
When feeling overwhelmed it is easy to get sucked into a cycle of frantic action which takes you from one part of something to another and never actually complete anything at all. To counteract this it helps to pick out small tasks which can be completed easily, and as you complete each one you regain an ever increasing sense of control and achievement; even though there may very well be a long way to go, you at least feel that you are stepping forwards along the road to completion.
If you were not to do this you probably would not even get past go. You would set out in one direction and then change your mind and wander off in another. You need to be able to imagine the possibility of succeeding to be able to feel any sense of motivation to stick it out and finish a task. Without being able to see the end result in your mind's eye you will be distracted and sink ever further into an abyss of despair.
If for some reason you simply cannot pick out a single thing which you can complete then a change of scene is probably the best prescription. Take a break Daniel Murphy Rockies Jersey , have a rest, get out into a different environment and relax for a little while. I know that this may seem to be the last thing you should do, but if you aren't working productively you have to take a step back in order for your mind to clear. Unless you do this you are likely to find yourself pushing paper around and around upon your desk or just staring into space!
When you feel overwhelmed, your mind cannot relax and thus you cannot think straight. The act of taking a break allows your mind to relax and the mist of despair and frustration will lift. By taking just thirty minutes you can recharge your batteries and return to your tasks with a completely different attitude; you will be able to see everything from an entirely different angle.
Hypnosis is a very helpful state to learn to use as it is a natural state of relaxation. By learning to use hypnosis you can learn to change state and you will get better and better at it as you practice. You will Carlos Gonzalez Rockies Jersey , before very long, be able to change your emotional state and relax in an instant. That thirty minute break can then be shortened to just a few short minutes. You can learn to wave good bye to stress just by learning to use hypnosis.
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