Posts Tagged ‘keep’

San Diego Bankruptcy Attorneys: Helping San Diegans Keep Their Hard-Earned Assets

Saturday, January 9th, 2010

The American Bankruptcy Institute (ABI) reported in November 2009 that more than 136,000 people in the United States filed bankruptcy in October, a 27. 9% increase from the October 2008 filings (?just? 106,266 consumer bankruptcy filings occurred in October 2008).

Almost 126,000 people filed bankruptcy in California in 2008, making up more than 95 percent of all bankruptcies in the Golden State.

As for San Diego, the Southern District of California Bankruptcy Court, which includes San Diego County and a part of neighboring Imperial County, saw 13,633 bankruptcy filings in all of 2008.

If you feel you and your family will become one of stories behind those statistics, an experienced San Diego bankruptcy attorney can help you navigate the complicated bankruptcy process and help you keep as many assets — such as your home — if possible.

If you find yourself in need of competent and compassionate help by San Diego bankruptcy lawyers, you needn?t feel shame. Many people are finding they need to file bankruptcy in these tough economic times. A New York Times story recently reported on several families who declared bankruptcy due to health issues because they either weren?t covered by health insurance, or their health insurance was inadequate.

One couple fell into bankruptcy when the wife went on disability for a few months following back surgery, while the man had to take some time off from work for knee surgery (so that his knee wouldn?t give out and he could continue working. ). Both are back at work (and the husband is working two jobs), but their health bills far exceed their income. A quote from the story speaks volumes:

?I tell my wife that we beat the economy,? [the husband said]. ?But health care beat us. ?

San Diego bankruptcy attorneys can help you decide if you should file Chapter 7 or Chapter 13 bankruptcy. Chapter 7 bankruptcy is the most common of bankruptcy filings. Once you have filed for protection with the Court, your creditors are required by law to stop all collection activity against you. No more telephone calls demanding payment, lawsuits, wage garnishments and best of all, no more debts! In general a Chapter 7 Bankruptcy will wipe out most of you debts, stop wage garnishments, repossessions and harassment which will allow you to control your financial future have peace of mind and get a fresh start.

San Diego bankruptcy lawyers will also help you analyze if filing a bankruptcy under Chapter 13 would be better for your situation. Often called a ?debt repayment? or ?reorganization? bankruptcy. Chapter 13 is a repayment plan for individuals and businesses with regular income that allows them to pay back all or some of their debts within 3 to 5 years.

Regardless, as you contemplate filing bankruptcy, be sure to find a good and experienced attorney from the many San Diego bankruptcy attorneys available.

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Morris urges government to keep ‘Hands Off My Health Care’

Friday, December 25th, 2009

Political pundit Dick Morris rallied people around the concept of keeping the government’s “Hands Off My Health Care” during a Thursday afternoon event at Simon Park in Conway. Morris spoke about the problems he found with the proposed health care plan currently being discussed in Washington and encouraged those present to call on their senators to oppose the plan in the Senate. James Martin, president of The 60 Plus Association and Teresa Crossland-Oelke, state director of Americans for Prosperity, also left the bus bearing the message of “Hands Off My Health Care,” the crowd cheered and waved signs bearing messages such as “Vote No on Health Care,” “Obama’s ATM (American Taxpayer Money),” “Party Like Its 1773,” and a yellow flag saying “Don’t Tread on Me. ”Mentions of Congressmen Vic Snyder and Marion Berry drew boos from the crowd. The two men recently voted for the House’s version of the health care plan. Shawn Danko, a Canadian national who operates a restaurant in Memphis and who is seeking American citizenship, offered to the crowd a glimpse at the health care system in Canada. He said the Canadians pay dearly for their health care system, paying 28. 5 percent for the first $38,000 they make. Additionally, Canadians pay for supplemental insurance. As a small business owner in Memphis, Danko said the changes to the health care system would cost him $48,000 for this 55 employees. He said that to come up with that money, he would have to cut staff, cut benefits or raise his prices. Morris told the audience that this was not his first trip to Arkansas, alluding to his days of working with former President Bill Clinton and his wife Hillary. “The whole health care debate is vital to our future,” Morris said. “It is not an effort to redistribute wealth. It is an effort to redistribute health. ”He said many people have asked how he could work for the Clintons and support the Clinton health care plan while not supporting the Obama plan. Morris said the Clinton plan made no cuts to Medicare. “Obama’s is full of cuts,” Morris said. “It is so easy to do it. It is a slippery slope. ”Morris said the core value of the pro-life movement is to protect human life. He said that while people may disagree on whether life starts at conception or birth, “I don’t know anyone who thinks life ends before death. ”He said the Obama plan cuts reimbursements to doctors and penalizes the top 10 percent of doctors who spend too much on patients by further cutting their reimbursements. He said each year, a new 10 percent would emerge, “dumbing down medical care. ”He said the plan offers “artificial scarcity” through QARYs or quality adjusted remaining years. The QARYs would be determined by lifestyle, work, income generated, memory and other factors. Additionally, Morris said if a person does not buy insurance, he or she will have to pay a fine equal to 2-1/2 percent of their income. If a person does not buy insurance or pay the fine, the person will be put in prison. Health insurance premiums for other Americans will be taxed up to 40 percent. Medical devices such as pacemakers and electric wheelchairs will also be taxed. Morris said the bill can still be defeated. Morris said the bill that has passed the House cannot pass the Senate and that a bill the Senate presents cannot pass the House. “It will be a long, hard, tough battle. While that happens we are going to be pounding,” Morris said.

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