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Debt Collector Harassment Attorney Michigan at http://www.rexandersonpc.com/in-the-news/ Rex Anderson, A Davison Michigan Attorney helps NBC 25 answer questions concerning debt collection harassment and bankruptcy that fans have left on the news channels Facebook page. Get answer to your questions related to bankruptcy, un-secured debt (i.e. evictions, medical bills, loans) and debt collector harassment. Debt Collector Harassment Attorney Michigan http://www.youtube.com/watch?v=EEqh3NzZ_04

http://www.rexandersonpc.com/fdcpa/document-tcpa-violation/ - Rex Anderson explains what a TCPA case is worth to a consumer. What is your TCPA case worth? 00:07 The TCPA, the Telephone Consumer Protection Act, is a federal privacy law that protect us all from irritating, computer, robo-dialed calls. It's irritating to be called by a live sales person, but it's much more irritating to be called by a computer - that leads you through a maze of prompts, only to hang up on you. 00:32 Congrees had this to say about the automated telephone dialing system -- more than 20 years ago: "Computer telephone calls are invading our homes and destroying our privacy. They wake us up in the morning; they interrupt our dinner at night; they force the sick and elderly out of bed; they hound us until we want to rip our telephones right out of the wall. These machines are out of control, and their use is growing by 30% every year. It is telephone terrorism, and it has to stop". 01:10 So congress acted and made all violators pay minimum, $500 per call...up to $3000 per call. 01:21 This includes both telemarketers and debt collectors. 01:25 I'm Rex Anderson. Thanks for watching this video. you can visit my website at RexAndersonPC.com, and you'll find other videos in this series. Rex Anderson PC 9459 Lapeer Rd #101 Davison, MI 48423 (810) 653-3300 http://www.rexandersonpc.com/ Share this video: https://www.youtube.com/watch?v=1WW_4WAXBlA Subscribe to my channel: http://www.youtube.com/user/RexAndersonPC?sub_confirmation=1 Add me to your circles: https://plus.google.com/u/0/117374176365653331996/posts https://www.facebook.com/LawOfficesOfRexAndersonPc http://twitter.com/RexAndersonPC http://www.linkedin.com/pub/rex-anderson/5/b49/ba9 What Is My TCPA Case Worth? - TCPA Michigan FAQ - Rex Anderson PC What is my TCPA Case Worth? TCPA Michigan FAQ Telephone Consumer Protection Act TCPA Michigan Attorney Rex Anderson PC

Lapeer Michigan Bankruptcy Limits Debts Bankruptcy Does Not Discharge As I mentioned before, some debts cannot be discharged in a bankruptcy. Certain types of debts, such as: * Child Support * Alimony * Most Student Loans * Some Federal Income Taxes, and * All Employer Withholding Taxes Cannot be discharged in bankruptcy. The debtor's wrongful conduct may make some debts non-dischargeable. Examples of such conduct are incur credit card charges without the intent, or the ability to repay or obtaining loans using false financial information. Banruptcy does not wipe out most mortgage or liens. A debtor who wants to keep his or her house, must continue making mortgage payments. Lapeer Michigan Bankruptcy Limits A debtor who wants to keep a car, which is being financed, must likewise continue making the payments. A debtor who is behind on mortgage payments, may use Chapter 13 to keep his or her home, by catching up on past-due payments over time, plus making regular mortgage payments. In a Chapter 7 case, certain property can be redeemed from a lien or, in other words, purchased for what it is worth. For example, in a bankruptcy proceeding, the court may determine that a car on which the debtor owes $3,000 is only worth $1,500. The debtor may then keep the car by paying the lump sum of $1500. In either chapter, some liens on exempt personal property can be avoided altogether, allowing for the debtor to keep the property without making payments. Under certain circumstances, a debtor may be denied a discharge altogether, and continue to owe all debts as if the bankruptcy had never been filed. Some of the reasons for being denied a discharge: * Fraudulent transfer of assets * Concealment of assets * Making false statements * Disobeying the court Such acts may also be federal crimes, for which the debtor can be fined or imprisoned. We'll tell you more about that in a later segment of this video. Lapeer Michigan Bankruptcy Limits On Frequency of Discharges The bankruptcy code limits the frequency with which an individual may receive a discharge. These limits depend on the chapters under which the debtors file. As mentioned earlier, the law permits debtors in bankruptcy to keep or exempt certain property in order to make a fresh start. However, to keep liened property, such as, a home or a car, the debtor must still pay the secured debt. In Chapter 7, the exemption process means that a trustee cannot sell exempt property for the benefit of creditors. Generally, the trustee can only sell non-exempt property. Sometimes an item of property is only partially exempt, and the trustee can sell it and pay the debtor the amount of the exemption. For example, if the debtor owns a car worth $3,000, and lives in a state where there's a car exemption of $1,000, the trustee may sell the car and give the debtor the exempt amount, and then use the remaining amount to pay creditors. In such situations, the debtor may keep the car by paying the trustee $2,000, the value of the car that is not exempt. Lapeer Michigan Bankruptcy Limits - Bankruptcy Code The Bankruptcy Code provides certain federal exemptions and also allows each state to adopt its own exemption law in place of the federal exemptions. The availability and the amount of property you may exempt therefore, depends on the state where you live. Some common examples of exempt property are: * A portion of the equity in a debtor's home * A portion of the equity in one motor vehicle * Some or all "tools of the trade" used by the debtor to make a living. Such as, auto tools for an auto mechanic or dental tools for dentists. You'll lose any exemption that you don't claim. It's therefore, very important for you to consult an attorney to determine which exemptions are available. It's also very important to carefully list, describe and value all property you claim as exempt in the schedules filed with your bankruptcy petition. Lapeer Michigan Bankruptcy Limits TOC 00:05 - Debts Bankruptcy Does Not Discharge 01:11 - Bankruptcy Proceeding 01:27 - Some Liens On Exempt Personal Property 01:43 - Reasons For Discharge Denial 02:06 - Limits On Frequency Of Discharges 03:29 - Bankruptcy Code For States 04:06 - Important Notice Share this video: https://www.youtube.com/watch?v=kdlfQICvZ-w Subscribe to my channel: http://www.youtube.com/user/RexAndersonPC?sub_confirmation=1 Add me to your circles: https://plus.google.com/u/0/117374176365653331996/posts https://www.facebook.com/LawOfficesOfRexAndersonPc http://twitter.com/RexAndersonPC http://www.linkedin.com/pub/rex-anderson/5/b49/ba9 Rex Anderson PC 9459 Lapeer Rd #101 Davison, MI 48423 (810) 653-3300 http://www.rexandersonpc.com/ lapeer michigan bankruptcy limits, limits on bankruptcy lapeer mi, lapeer mi bankruptcy limits, lapeer michigan bankruptcy attorney, limits of bankruptcy lapeer michigan, lapeer michigan bankruptcy attorney

http://www.rexandersonpc.com/ - Lapeer Michigan Bankruptcy lawyer Rex Anderson goes over the three main types of bankruptcy cases that are filed. There are three main types of bankruptcy cases. These are referred to by their chapter number in the bankruptcy code. 3 Main Types of Bankruptcy - Chapter 7 - Chapter 11 (Mainly for businesses) - Chapter 13 The bankruptcy code is federal, not state law. And bankruptcy cases are filed in the United States bankruptcy court, not in a state court. The most common cases for individuals are: - Chapter 7, and - Chapter 13 Chapter 7: Liquidating Bankruptcy A chapter 7 is a liquidating bankruptcy. In return for having debts discharged. Meaning the debtor is no longer legally obligated to pay them. The debtor must turn over certain property to the chapter 7 bankruptcy trustee. The law allows the debtor to keep some property as exempt, so the debtor can make a fresh start. In most Chapter 7 cases, ALL property is exempt, and so, the debtor keep ALL of the property. Those cases are sometimes call NO-ASSET CASES. If a debtor has more assets than can be exempted, the trustee sell the non-exempt property, and distributes the proceeds to the creditors according to priorities established by law. Very often, there is not enough money to pay for anything more than the cost of administration, and so, the creditors receive nothing. Advantage of Chapter 7 The principle advantage of Chapter 7 is that the debtor emerges from bankruptcy without any future obligations on his or her discharged debts. Some debts CANNOT be discharged. For example, debts incurred through fraud, or debts for child support and alimony. Chapter 13: The "Home Saving/Car Saving" Chapter A Chapter 13 case is often used by individuals who want to catch up past due mortgage or car loan payments, and keep their assets. In Chapter 13, the debtor must propose to pay all or part of the debts from future income over a period of 3 to 5 years. If the court approves the plan, the debts may be settled in this manner even if some creditors object to the plan. If the debtor makes the required payments, he or she, will be able to keep his or her property. Chapter 13 can be a better choice than Chapter 7 for those who are behind on their home mortgage or their car loans, as well as, for other reasons. For instance, some of the debts that cannot be discharged in a Chapter 7 can be discharged in Chapter 13. Also, the debtor can pay some non-dischargeable federal taxes over the term of the Chapter 13 plan without interest. Chapter 13 can ONLY be used by an individual debtor NOT a corporation. An individual engaged in business, not as a corporation, might use Chapter 13 to pay debts or settle them over a period of time, while he or she continues to own and operate the business. However, Chapter 13 can be used only if the total debts owed are less than certain limits for secured and un-secured debts. Chapter 11: Reorganization (Mainly for businesses) Another type of bankruptcy case is a Chapter 11 Reorganization. It is generally used by businesses, but can be used by individual debtors who do not qualify for Chapter 13 because their debts exceed the Chapter 13 limit. 3 Types Of Bankruptcy's TOC: 00:00 - Bankruptcy Cases Intro 00:24 - 3 Main Types of Bankruptcy Cases 00:32 - The Bankruptcy Code Is Federal 00:33 - Most Common Bankruptcy Cases 00:51 - Chapter 7 Bankruptcy 01:28 - Chapter 13 Bankruptcy 02:02 - Chapter 11 Bankruptcy 02:16 - Need A Financial Fresh Start Rex Anderson PC serves Davison, Lapeer, Flint, Grand Blanc, Fenton, Bay City. Rex Anderson PC 9459 Lapeer Rd #101 Davison, MI 48423 (810) 653-3300 http://www.rexandersonpc.com/ Share this video: http://www.youtube.com/watch?v=EGQENQzT-vA Subscribe to my channel: http://www.youtube.com/user/RexAndersonPC?sub_confirmation=1 Add me to your circles: https://plus.google.com/u/0/117374176365653331996/posts https://www.facebook.com/LawOfficesOfRexAndersonPc http://twitter.com/RexAndersonPC http://www.linkedin.com/pub/rex-anderson/5/b49/ba9

Lapeer Michigan Bankruptcy Attorney If you are considering bankruptcy this video will give you basic information about the process, the relief it offers and how to find the legal help you may need. Thank you for watching this video on Bankruptcy Basics. This video will explain what bankruptcy is and what happens in a bankruptcy case. This information is provided to help consumers. Individuals like you, understand the bankruptcy process. People who are having trouble paying their debts, sometimes consider bankruptcy as a remedy for the situation. Bankruptcy is a legal process by which you can deal with your debts when you can no longer pay them. Why filing bankruptcy, many individuals find that they are able to get most, if not all, bills discharged. Meaning - wiped out! Keep most, if not all, of their property and or get extra time to pay bills if you have a regular income. An individual, called a debtor, usually files bankruptcy to obtain a discharge. Which will wipe out all, or most of his or her debts so they will not have to be paid. A married person may file a loan or with the person's spouse. Once the bankruptcy process begins, creditors cannot try to collect debts from the bankruptcy debtor or sue the debtor to obtain a judgement. With a few exceptions, the creditors have not claim on the debtors future income or future assets. Alternatives to Bankruptcy Bankruptcy is not the only way to deal with too much debt. In some situations, another approach might be better. Alternatives may include: - An Out-of-court settlement with creditors - Reduction of payments to creditors - Attaining help from consumer credit counseling services - Payment of debts by selling or borrowing on property These alternatives, however, require some cooperation from creditors and are more likely to succeed if tried soon after financial difficulties begin. Lapeer Michigan Bankruptcy TOC: 00:00 - bankruptcy lapeer michigan 00:06 - lapeer michigan bankruptcy attorney 00:36 - lapeer bankruptcy lawyer 00:56 - lapeer mi bankruptcy lawyer 01:05 - bankruptcy lawyer 01:36 - filing for bankruptcy 01:56 - bankruptcy 101 02:15 - filing bankruptcy lapeer michigan 02:35 - bankruptcy lapeer michigan Share this video: http://youtu.be/VH3qIEPIUM4 Subscribe to my channel: http://www.youtube.com/user/RexAndersonPC?sub_confirmation=1 Add me to your circles: https://plus.google.com/u/0/117374176365653331996/posts https://www.facebook.com/LawOfficesOfRexAndersonPc http://twitter.com/RexAndersonPC http://www.linkedin.com/pub/rex-anderson/5/b49/ba9 Rex Anderson PC 9459 Lapeer Rd #101 Davison, MI 48423 (810) 653-3300 http://www.rexandersonpc.com/

Lapeer Bankruptcy (810) 653-3300 Rex Anderson is a Lapeer Bankruptcy attorney who has helped people relinquish their debts and get on track to financial freedom. Are You A Candidate for Bankruptcy? If you are only making minimum payments on your credit cards and you have saved nothing for retirement, then you are my favorite candidate for bankruptcy. Albert Einstein famously defined insanity as doing the same thing over and over again, expecting a different result. And if you're only making minimum payments - hoping perhaps to win the Lotto to get out of debt - that's just not realistic and it's causing you unnecessary stress. A Fresh Start For You And Your Family You need to start thinking about your future, and your family NOW! Bankruptcy is there to give an honest debtor a fresh start. It's not a crime to owe a debt, that keep snowballing to a point where you'll be old and it still won't be paid off. It's not your fault that creditors charge interest rates so high that they force you into bankruptcy. Creditors should be working with consumers - not jacking their interest rates through the roof and foreclosing on their homes. That's where a lawyer can help. Talk To A Bankruptcy Lawyer Atleast talk to one. Find out what your rights are. Find a lawyer who will give you a free consultation - what do you have to lose? Credit Agencies and Your Discharged Debt One thing that we do for our clients, is reveiw their credit reports at no charge every year. If we find that one of your discharged debts has been purchased by a debt buyer, is being reported to the credit reporting agencies - we'll move the court to hold them in contempt to pay you damages plus our attorney fees. I recently settled one of these cases for thirty thousand dollars. Rex Anderson Can Help You We've been practicing consumer bankruptcy law, for over twenty years. And we know what we are doing. We can help you put that debt behind you. We can help you put an end to the collection calls, the lawsuits, the foreclosures and the garnishments. And once we get that debt behind you, you can focus on rebuilding your credit and saving for the future. So, let's get started. Welcome: 00:00 Are You A Candidate for Bankruptcy: 00:10 Insanity Defined: 00:21 A Fresh Start: 00:45 Talk To A Bankruptcy Lawyer: 01:23 Credit Agencies & Your Discharged Debt: 01:36 Rex Anderson Can Help You: 02:04 Get Your Fresh Start: 02:35 Rex Anderson PC 9459 Lapeer Rd #101 Davison, MI 48423 (810) 653-3300 http://www.youtube.com/watch?v=G2s1EBdHF4U

Michigan FDCPA Attorney Rex Anderson on NBC 25 Ask the Lawyer Rex Anderson, A Davison Michigan Attorney helps NBC 25 answer questions concerning debt collection harassment and bankruptcy that fans have left on the news channels Facebook page. There were two "Ask the Lawyer" interviews that Rex participated in and this video comprises both of them. Get answer to your questions related to bankruptcy, un-secured debt (i.e. evictions, medical bills, loans) and debt collector harassment. Michigan FDCPA Attorney Rex Anderson on NBC 25 Ask the Lawyer http://www.youtube.com/watch?v=GwT3u1Fuxzo

Michigan FDCPA Attorney Talks About Abusive Debt Collectors and Practices Rex Anderson, a Davison, Michigan attorney conducts a "Ask the Lawyer" seminar sponsored by the Genesee Bar Association at the Flint Public Library. He does these seminars once a month for consumers in the area to come and get educated on the FDCPA and TCPA laws concerning debt collectors. In this seminar Rex is speaking on an area of law that is near and dear to him - the Fair Debt Collection Practices Act (FDCPA) and the Telephone Collection Practices Act (TCPA). He covers topics and answers questions such as: 1. Overview of the FDCPA and TCPA 2. Who is covered under these acts 3. How debt collectors can communicate with consumers 4. What debt collectors are prohibited from doing 5. How the consumer can sue a harassing debt collector And much more. If you are a Michigan consumer who is being harassed or abused by a debt collector, call Rex's office immediately at (810) 653-3300. Michigan FDCPA Attorney Talks About Abusive Debt Collectors and Practices http://www.youtube.com/watch?v=-rHWokW4h6w