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arrFiles=new Array();arrFiles[0]=new Array(1,"bank_faqs.shtml","January 29, 2010","Praver Law - Bankruptcy Frequently Asked Questions","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Bankruptcy Frequently Asked Questions - What is a Chapter 7 Bankruptcy, What is a Chapter 13 Bankruptcy, Do I Get To Keep My Property, Can I Keep My House, Can I Keep My Vehicles, Will I Lose My Retirement Savings, When Will The Harassing Phone Calls Fro","Bankruptcy - Frequently Asked Questions Q: What is a Chapter 7 Bankruptcy? A: Chapter 7 is the most common form of bankruptcy. It is also the simplest to file. In a Chapter 7 bankruptcy, you will not repay many of your debts, and your creditors will be forbidden to attempt collection from you. Unsecured debts such as credit cards, medical bills, personal signature loans and all other loans and debts that are not secured by collateral are generally discharged (meaning gone forever!) in a Chapter 7 bankruptcy. Certain debts are not dischargeable, including any debt that is not listed in your schedule of creditors, certain taxes, alimony, child support, criminal debts, most student loans, and a few others. We can help you to determine whether or not a debt will be eligible for discharge. Q: What is a Chapter 13 Bankruptcy? A: Chapter 13 is also known as a reorganization or consolidation bankruptcy, since your debts are reorganized into a payment schedule over 3 to 5 years. At the completion of the Chapter 13 plan, your debts will be discharged, much like in the Chapter 7. Certain debts that would not be dischargeable in a Chapter 7 may be handled in a Chapter 13. We will advise you on whether Chapter 13 would be appropriate for you, depending on your income, assets, and type of debts. Q: Do I Get To Keep My Property? A: You are entitled to keep a generous amount of your belongings when filing bankruptcy. Florida law now provides for personal exemptions of 1,000.00 in an individual case or 2,000.00 in a joint case for personal property. There are additional exemptions for cars, medical devices, retirement plans and certain other assets. Q: Can I Keep My House? A: Florida law allows exemptions for equity in homestead property of 125,000.00 for property you have owned for less than 3 ½ years. For homestead property you have owned for more than 3 ½ years the homestead exemption is unlimited. Homestead is generally defined as your personal residence (mobile home or house plus land) that you are living in at the time of the bankruptcy filing. Equity is determined by subtracting the fair market value of your home from the amount of the mortgage payoff. You should not have a problem keeping your home in a Chapter 7, as long as you are current on your house payments both at the time of filing and also in subsequent months. If your equity exceeds the allowed exemption or if you are behind in your payments, a Chapter 13 might allow you to save your home. The automatic stay protects you from foreclosure of your house during the time your bankruptcy case is open. However, if your payments fall behind after filing, the bank may ask for court permission to lift the automatic stay and begin foreclosure proceedings. Q: Can I Keep My Vehicles? A: Florida state law allows each individual to keep 1,000.00 equity in a motor vehicle in an individual case or 2,000.00 in a joint case. To determine the amount of equity you have, we will need an accurate current RETAIL market value of all of your vehicles as well as the payoff amount. If you have a loan on your vehicle, you must keep the payments current during and after the bankruptcy to avoid repossession. If your car is upside down, meaning you owe more than it \'s worth, and you can manage without it for a few months, we recommend that you look into the possibility of surrendering the vehicle, which allows you to get out from under that crushing monthly debt and purchase or finance a less expensive car after bankruptcy. Another possibility is to “redeem” the vehicle by paying the current retail value of the vehicle, and the remaining loan balance would be discharged. We may be able to assist you in finding a lender that will give you a new loan to pay this redemption amount to your existing lender, which could save you thousands of dollars compared to your current vehicle loan. Q: Will I Lose My Retirement Savings? A: Most retirement savings plans are protected by the Employee Retirement Income Security Act (ERISA), and are exempt from bankruptcy. We can help you determine whether your specific retirement account will be protected in bankruptcy and do our best to keep the savings intact for your retirement. Also, Individual Retirement Accounts (IRAs) are generally fully protected in bankruptcy. Q: When Will The Harassing Phone Calls From Creditors Stop? A: The automatic stay goes into effect the moment your petition is filed. Once your petition is completed, it will be filed electronically, meaning that we can get a case number instantly. At this point, creditors must stop contact with you, including telephone calls, letters and all legal actions. Your creditors will receive an official notice from the United States Bankruptcy Court. Q: Will My Bankruptcy Filing Be Published In My Local Newspaper? A: No! However, bankruptcy information is part of the public record, just like state court proceedings. Bankruptcy matters are handled in federal court, with documents filed in Orlando. Your court appearance will be held at the United State Bankruptcy Court in Orlando (135 West Central Blvd.). Q: Will I Ever Get Credit Again? A: Yes , a bankruptcy can actually clean up your credit report, and may reflect better than repossessions, foreclosures or even late payments. Bankruptcy will typically improve your debt-to-income-ratio, which is an important factor that creditors consider when extending new credit. Although a bankruptcy can remain on your credit report for up to 10 years, most people resume normal credit activities immediately after receiving their discharge. The interest rates may not be prime, and some waiting periods may apply, but you can begin re-establishing your credit immediately, as long as you stay current on your payments. However, we will counsel you to change your spending habits to get away from dependence on credit and avoid the credit trap in the future. Q: Can I Keep a Credit Card After the Bankruptcy? A: People often ask if they can keep a credit card after filing bankruptcy. Maybe they have a credit card they use for travel, maybe it’s one used for everyday purchases and paid in full at the end of every billing cycle, maybe it’s one with a zero balance. However, in all these cases the answer is, NO . One cannot keep a credit card through a bankruptcy. There are two reasons for this. First, a debtor is obligated to list all debts in bankruptcy and affirms this under the pains and penalties of perjury. The bankruptcy discharge, once entered, will then discharge the credit card balance. Although it’s theoretically possible, no credit card creditor that I know of has ever extended new credit on the same account once the balance was discharged. So, this begs the question: What about cards with no balance due at the time of the bankruptcy? Well, these are not “debts” and technically do not need to be listed in a bankruptcy. However, credit card creditors are some of the biggest customers of the credit reporting agencies and, consequently, receive reports about the bankruptcies of their account holders. After learning of the bankruptcy from the credit bureaus, it is normal for a credit card creditor to simply cancel the account, even if it’s not listed in the bankruptcy. Most people though will get offers for new credit cards after the bankruptcy discharge. They will not be the best credit cards, (they may have high interest rates and low lines of credit) but they can be used to help you re-establish your credit. Using the new cards for small purchases (like gas and groceries) and timely paying off the balance in full each month will help you re-establish your credit, and you will soon be offered better cards with better terms. For most people, their credit can be re-established within a year or two. Additional Information Look through the links below to additional information about your rights on filing Bankruptcy. Once you have through the information then call the Praver Law to setup your free bankruptcy consultation to determine if filing Bankruptcy is the correct step for you. Bankruptcy Information Bankruptcy Law Bankruptcy Myths Bankruptcy 7 Reasons Bankruptcy Eval Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",25);arrFiles[1]=new Array(2,"bank_info.shtml","January 29, 2010","Praver Law - Bankruptcy Information","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Bankruptcy Information - Two Paths to a Fresh Start: Chapter 7 and Chapter 13. Bankruptcy law is about getting a fresh financial start. It is not about failure or fault. Bankruptcy law is about protecting the rights of consumers and giving them a chance ","Bankruptcy - Information Two Paths to a Fresh Start: Chapter 7 and Chapter 13 Bankruptcy law is about getting a fresh financial start. It is not about failure or fault.” Bankruptcy law IS about protecting the rights of consumers and giving them a chance to start over again with a clean slate. There are many reasons perfectly responsible people are forced into bankruptcy. Lay offs, catastrophic medical bills, foreclosure, lawsuits, garnishments, and unconscionable credit card interest rates can push anyone past his or her ability to repay. The attorneys at Praver Law always treat our clients with respect and compassion, and we defend debtors’ rights. The Bankruptcy Code provides for several types of bankruptcy. Named for the chapter of the Bankruptcy Code in which they are defined, the Chapters available under bankruptcy include Chapter 7, Chapter 11, Chapter 12, and Chapter 13. For the vast majority of consumer debtor clients, only Chapter 7 and Chapter 13 are options. Each of these chapters creates a different path to a fresh start because they are intended for people in different financial situations. Chapter 7 Bankruptcy The powerful benefit of Chapter 7 is that it relieves the debtor of ever having to pay most types of debt. This permanent forgiveness of debt under Chapter 7 Bankruptcy is called a discharge. Chapter 7 is intended for debtors who do not have any income available after necessary expenses to make payment on their debts, and they also do not have any assets or property available to repay their debts. To qualify for a Chapter 7 discharge, the debtor must be able to show that his allowed monthly expenses exceed his income. Additionally, if a Chapter 7 debtor has any real estate or personal property of any value, the value must not exceed available exemption amounts, or such assets may be taken from the debtor by the Bankruptcy Trustee, sold, with the proceeds distributed to the creditors. For example, a typical middle-aged married couple in Orlando who intends to file a Chapter 7 bankruptcy would face the possibility of having the Bankruptcy Trustee take their home and liquidate it if the current fair market value of the residence showed equity of more than their allotted Florida homestead exemption of 75,000. If, for example, they had 150,000 in equity, the Trustee could require that the house be sold, and would then return to the couple their homestead exemption amount from the proceeds of the sale, while distributing the remaining proceeds to the couples’ creditors. That is the basic bargain struck by the law in Chapter 7: In exchange for whatever non-exempt property the debtor has, he or she can have his or her debts forgiven by the Bankruptcy Court. Put another way, Chapter 7 bankruptcy provides the debtor with an unconditional discharge of his or her debt in exchange for a liquidation of his or her non-exempt assets. Except for the debtor \'s exempt assets, all of the debtor’s remaining property becomes the property of the bankruptcy estate and administered by the Chapter 7 Trustee. The Trustee in turn may use the debtor’s assets to pay his or her creditors. In reality, a large majority of debtors who qualify for Chapter 7 do not possess any assets that are not exempt from taking by the Trustee. Such a debtor’s case is a “no asset case.” Chapter 13 Bankruptcy The protections available under Chapter 13 bankruptcy also provide powerful relief, but unlike Chapter 7, Chapter 13 is intended for the debtor who has sufficient income to pay some, but not all of his or her debts. If the debtor has steady income, and after all necessary monthly expenses, has at least some disposable income left to pay something toward all of his or her debts, then this amount is applied to a payment plan proposed by the Chapter 13 debtor and his or her attorney. Chapter 13 bankruptcy differs from Chapter 7 in several respects. Unlike in Chapter 7, the debtor filing bankruptcy under Chapter 13 keeps all property and assets owned outright. There is no danger in Chapter 13 of the bankruptcy trustee taking any property from the debtor. The only instance under Chapter 13 in which the debtor gives up any valuable asset occurs when the debtor decides voluntarily to surrender secured property, such as a home or a car, because he or she cannot afford to continue making payments for that property. The Chapter 13 debtor never has to give up anything that is already paid for. Rather than a total liquidation of the debtor’s assets and prompt discharge, a Chapter 13 bankruptcy is a repayment plan wherein the Bankruptcy Court “confirms” or approves a reasonable repayment plan which may last up to five years during which time the debtor must make regular installment payments to pay down his or her debt. This means that a debtor with substantial equity in his or her home (that is, equity greater than the homestead exemption amount provided under the debtor’s state exemptions) may keep his or her property and avoid foreclosure while catching up on mortgage payments under the repayment plan. Additionally, Chapter 13 offers an additional protection to homeowners unavailable under Chapter 7. In a Chapter 13 bankruptcy, if the homeowner has more than one mortgage, and the first mortgage is “undersecured,” meaning that the current fair market value of the home has depreciated to an amount less than the principle owed on the first mortgage, then the Chapter 13 debtor can have the second mortgage (together with any other “junior” liens against the property) “stripped” from the property. This means that the second mortgage and any other junior liens become unsecured debt, just like credit card debt. The second mortgage holder can no longer foreclose on the property. Such a stripped mortgage gets added to all other unsecured debt, and is paid only to the extent that the Chapter 13 plan provides for some payment of unsecured debt, which may, depending on the amount of the payments called for under the Chapter 13 plan, be only pennies on the dollar. We carefully evaluate whether Chapter 7 or Chapter 13 is more appropriate for each client seeking bankruptcy protection. In order to make this determination, we ask our clients to provide us with detailed financial information concerning their assets, their income, their expenses, and their debts. Based on this information, we counsel our clients which type of bankruptcy is best for them and whether it is in the client’s best interest to file bankruptcy at all. What is the Automatic Stay? The Automatic Stay is one of the fundamental debtor protections provided by the Bankruptcy Laws. Under the Bankruptcy Code (11 U.S.C. 362), the filing of a bankruptcy under any chapter of the Bankruptcy Code automatically triggers an injunction that prohibits most creditors from the commencement or continuation of any judicial, administrative, or other action or proceeding against the debtor that actually was commenced or could have been commenced. What does the Automatic Stay do for me? Simply put, the Automatic Stay is a tremendous tool for debtors in that it serves to prohibit most contact from creditors regarding debts that are owed. It prohibits: Please note that under a Chapter 7 Bankruptcy, the Automatic Stay only applies with respect to the debtor. Thus, if you have co-debtors on certain debts, they are not afforded the same protections under the Automatic Stay that you are. However, if you are filing for a Chapter 13 Bankruptcy, a creditor may not pursue a debt against a co-debtor or guarantor, if the debt is a “consumer debt,” which is defined as a debt incurred by a person primarily for personal, family, or household purposes. How long does the Automatic Stay last? The Automatic Stay is neither absolute nor permanent. For most chapter 7 and 13 cases however, it stays in effect until the debtor gets a discharge from his or her debt, the property in question is no longer a part of the estate, or a judge lifts the stay at the request of a creditor, who must file a Motion for Relief from the Automatic Stay. Protecting Your Bankruptcy Discharge Watch Out for Unscrupulous Creditors Trying to Illegally Collect Pre-Bankruptcy Debt! A discharge of debt received from a U.S. Bankruptcy Court is intended to permanently relieve the debtor of ever having to pay that debt. The court \'s discharge of the debtor is in effect a permanent injunction against anyone ever attempting to collect that debt. Like any court injunction, however, the discharge injunction must be protected and enforced. Yet, astonishingly, many creditors fail to ever report a discharged debt to the three Credit Reporting Agencies (Equifax, Transunion, and Experian) as discharged, and instead continue to report that debt as delinquent. In fact, several new outlets reported in late 2007 that not only are major credit card companies stubbornly refusing to report discharged debts to the Credit Reporting Agencies as discharged, but a new cottage industry has developed among unscrupulous bill collectors who buy and sell discharged debts in the hope that they may still be able to collect the debt from vulnerable debtors who may not know their rights (see, among others, BusinessWeek.com, Prisoners of Debt, Nov. 1, 2007, and National Public Radio, Morning Edition, Discharged Debt Becomes Cottage Industry, Nov. 2, 2007). If this happens to you, our bankruptcy lawyers can help. If anyone attempts to collect a debt that was finally discharged through a bankruptcy proceeding, the debtor has some very powerful legal tools at her disposal. When a debt collector tries to collect a discharged debt, this activity is clearly a violation of the Bankruptcy Court \'s discharge order, and any violation of that order is Contempt of Court, and Bankruptcy Law provides for contempt remedies in the form of sanctions against the collector. For one, the discharged debtor does NOT have to pay a Court filing fee to sue the collector. And because the Court is being asked to enforce its own order, U.S. Bankruptcy judges are disposed to grant money sanctions as punishment against bill collectors who violate the Court \'s discharge injunction. Unfortunately, you may not even know that your discharged debts are still being reported to the Credit Reporting Agencies as delinquent. Worse, you may be unaware that those very debts are being bought and sold by sleazy collection companies looking to profit from your being unaware of your legal rights. If you suspect that debt you have had discharged in a bankruptcy is still being reported as delinquent by your former creditors, call us to schedule a free consultation with a bankruptcy lawyer. We can review with you your credit report to verify that your discharged debt correctly shows as having been discharged through bankruptcy. If it is, we can help you force the creditors to tell the truth. If you are being harassed by unscrupulous bill collectors to pay debt that was discharged in bankruptcy, you have powerful legal rights at your disposal. We can generally sue those collectors without any cost to you, stop the collectors, and in many cases obtain for you money sanctions against the collectors for their contempt of court. Important Requirements for Filing Chapter 7 Bankruptcy Credit Counseling and Financial Management Course Requirements Among the changes to bankruptcy law contained in the 2005 Bankruptcy Law changes (BAPCPA), were new requirements that debtors filing for either Chapter 7 or Chapter 13 bankruptcy protection participate in pre-approved credit counseling and debtor education courses. These courses are administered only by private agencies who are approved by the U.S. Trustee program. A list of the pre-approved credit counseling and debtor education providers is published on the US Trustee’s website. The bankruptcy attorneys at the Praver Law will assist you in locating an approved local credit counselor or online. Many approved credit counseling and debtor education providers provide the required courses either online, over the phone, or by a combination of these. Many also offer counseling in languages other than in English. The initial credit counseling course must be completed by the debtor within six months prior to filing a bankruptcy petition. Many of the government approved credit counseling and debtor education programs are available online, and the typical debtor can complete each of the respective courses in two hours or less. Once the debtor has satisfactorily completed the first of these programs, the credit counseling provider will issue a Credit Counseling Certificate which must be filed along with the bankruptcy petition. If the certificate is not filed with the petition, the US Trustee will file a motion with the bankruptcy court to have the debtor’s case dismissed. After the initial credit counseling certificate is issued, and the bankruptcy petition is filed, the bankruptcy petitioner will be given a date for his or her Meeting of Creditors (also known as a 341 Meeting for the section of the Bankruptcy Code which requires the meeting), which is generally scheduled for about a month after the bankruptcy petition is filed. Praver Law will always appear at your Meeting of Creditors with you. After the creditors meeting, the debtor has 45 days to complete the second of the new debtor education requirements by passing an approved financial management course. Upon satisfactory completion of this course, the provider will again issue a certificate of completion to the debtor which must then be filed with the Bankruptcy Court before the debtor may be granted a Chapter 7 discharge. Debtor Means Testing Put simply, to be eligible for a Chapter 7 bankruptcy, a debtor’s household income must be insufficient to pay his or her debts. In order to determine whether a debtor can afford to pay any of his or her debts, Chapter 7 Bankruptcy law compares the debtor’s annual income to the annual median income based on family size of the state where the debtor lives. Provided that the debtor’s income is lower than his or her state’s median annual income for the same family size, and provided that the debtor’s actual monthly living expenses leave no disposable income with which to pay toward unsecured debts such as credit cards, medical bills, and judgments, then the debtor will generally qualify for a Chapter 7 bankruptcy discharge. Current state annual median income by family size information is regularly published by the U.S. Census Bureau. If the debtor’s annual income is greater than his or her state’s median income for the same size family, then the debtor must pass a “means test” in order to qualify for a Chapter 7 bankruptcy discharge. The means test portion of a Chapter 7 Bankruptcy petition is contained in official form B22A. The means test takes into account the current monthly income of the debtor together with the state median income for the debtor’s state. The means test also compares the debtor’s income with IRS published “standards” for allowable living expenses on both a national and a local basis. The local living expense standards take into account such items as metropolitan housing costs and transportation expenses. Note that here in the Orlando Area generally, living expenses are calculated to reflect the higher cost of living relative to other areas. The means test is aimed at determining whether, based on the debtor’s income and the IRS determined “allowable living expenses”, the debtor can afford to pay his or her unsecured debts. If the debtor has no more than 100 of “disposable income” after allowed expenses, then he or she will pass the means test and the debtor can still qualify for a Chapter 7 bankruptcy even if his or her annual income is above the median income of similar family sizes for his or her state. If the debtor’s monthly disposable income falls above the 166 monthly mark, the debtor cannot qualify for a Chapter 7 bankruptcy. If on the other hand, the debtor’s monthly disposable income falls between 100 and 166 per month, then his or her eligibility for Chapter 7 is then determined by whether the debtor could pay at least 25% of his or her unsecured debt (at 166 per month over five years or 6,000 in the aggregate) in five years. Presumption of Abuse Among the most fundamental changes in the 2005 Bankruptcy Law changes (BAPCPA is that it shifts the legal presumption favoring the debtor’s discharge to a presumption of abuse by the debtor which would in turn lead to a dismissal of the debtor’s petition. Note, however, that this “presumption of abuse” does not arise if the debtor’s monthly net income after allowed necessary expenses does not exceed 100. Additional Information Look through the links below to additional information about your rights on filing Bankruptcy. Once you have through the information then call the Praver Law to setup your free bankruptcy consultation to determine if filing Bankruptcy is the correct step for you. Bankruptcy FAQ \'s Bankruptcy Law Bankruptcy Myths Bankruptcy 7 Reasons Bankruptcy Eval Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",36);arrFiles[2]=new Array(3,"bank_law.shtml","January 29, 2010","Praver Law - Bankruptcy Laws","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Bankruptcy Law - United States Bankruptcy Court Middle District of Florida, With limited exceptions, the Bankruptcy Code requires that all individual debtors who file for bankruptcy relief on or after October 17, 2005, receive a briefing that outlines th","Bankruptcy - Laws UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF FLORIDA NOTICE TO INDIVIDUAL CONSUMER DEBTOR UNDER § 342(b)OF THE BANKRUPTCY CODE In accordance with § 342(b) of the Bankruptcy Code, this notice: (1) Describes briefly the services available from credit counseling services. (2) Describes briefly the purposes, benefits and costs of the four types of bankruptcy proceedings you may commence. (3) Informs you about bankruptcy crimes and notifies you that the Attorney General may examine all information you supply in connection with a bankruptcy case. You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice. 1. Services Available from Credit Counseling Agencies With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. 2.The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors Chapter 7: Liquidation 1. Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose debts are primarily consumer debts are subject to a means test designed to determine whether the case should be permitted to proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases, creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed. 2. Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors. 3. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated. 4. Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be responsible for most taxes and student loans; debts incurred to pay non dischargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged. Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income 1. Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy Code. 2. Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your income and other factors. The court must approve your plan before it can take effect. 3. After completing the payments under your plan, your debts are generally discharged except for domestic support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations. Additional Information Look through the links below to additional information about your rights on filing Bankruptcy. Once you have through the information then call the Praver Law to setup your free bankruptcy consultation to determine if filing Bankruptcy is the correct step for you. Bankruptcy Information Bankruptcy FAQ \'s Bankruptcy Myths Bankruptcy 7 Reasons Bankruptcy Eval Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",19);arrFiles[3]=new Array(4,"bank_myths.shtml","January 29, 2010","Praver Law - Bankruptcy Myths","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Bankruptcy Myths - congress has eliminated bankruptcy for the little guy, bankruptcy will ruin my credit record, filing bankruptcy makes me a bad person, debt counseling service can help me eliminate my debts without the stigma of bankruptcy on my record","Bankruptcy - Myths 1. Congress has eliminated bankruptcy for the little guy. Despite what you may have heard in the press, bankruptcy is still alive and well. In October 2005,new bankruptcy reform laws went into effect that may make it more difficult for some individuals to qualify for Chapter 7 relief. However, consumers in serious financial trouble should still be able to qualify for protection under the Bankruptcy Code. 2. Bankruptcy will ruin my credit record. What ruins your credit record is your inability to pay your debts on time. After your bankruptcy case, many of your debts will be discharged, and you will be given a fresh start. If you can keep on top of any new debts you incur after you emerge from bankruptcy, your credit record may actually improve. 3. Filing bankruptcy makes me a bad person. Congress passed the bankruptcy laws to help individuals and businesses with severe financial problems get a fresh financial start and become productive members of society again. Do you think it makes you a better person to avoid your creditors, ignore your bills, and drive yourself further into a debt hole that you \'ll never get out of, or to take on new credit responsibly, and pay your bills on time? Millions of businesses and individuals file for bankruptcy each year and become productive members of society.4.I won \'t be able to get credit after my bankruptcy. Since many of your debts will be wiped out after bankruptcy, and, in the case of a Chapter 7, you won \'t be able to file another one for another eight years, many creditors may see you as a good credit risk after your bankruptcy. 4. A debt counseling service can help me eliminate my debts without the stigma of bankruptcy on my record. Debt counselors cannot get rid of your debts, nor can they stop your creditors from harassing you. All debt counselors do is help you negotiate new terms on your existing debt with your creditors-your creditors do not have to agree to any restructuring, and they can still come after you for any unpaid balances. By contrast, the moment you file your bankruptcy case, many of your creditors are prohibited by law from taking any legal actions against you, and once your bankruptcy is complete, many of your debts are gone forever. Furthermore, credit counselors do not necessarily have your best interests in mind-they are often owned by the very creditors that are making your life miserable to begin with. Don \'t let their non-profit claims fool you-when you use a debt counselor, someone is making a lot of profit off you, and in most cases you will still be hopelessly in debt. 5. I won \'t be able to buy a house or a car, or rent an apartment, after bankruptcy. Again, not true. As noted above in myth number 4, you should be able to get credit after bankruptcy. Although it may take you a little time to start purchasing things, you should be a good credit risk once you emerge from bankruptcy, and you shouldn \'t have too much trouble making these types of purchases. You can also get help in making these types of purchases, such as getting someone to be a co-signer for you. 6. I don \'t want to go through a difficult and time consuming court case. Forget about jury trials, cross examination, and all of the other courtroom drama you see on TV. Inmost bankruptcy cases, you \'ll never appear before a judge, and in most Chapter 7 cases, your case will be complete and your debts discharged in about four months. Don \'t let these myths prevent you from taking control of your financial life. Additional Information Look through the links below to additional information about your rights on filing Bankruptcy. Once you have through the information then call the Praver Law to setup your free bankruptcy consultation to determine if filing Bankruptcy is the correct step for you. Bankruptcy Information Bankruptcy Law Bankruptcy FAQ \'s Bankruptcy 7 Reasons Bankruptcy Eval Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",17);arrFiles[4]=new Array(5,"contact_us.shtml","January 29, 2010","Praver Law - Contact Us","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Contact Us - If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule","Contact Us Law Office of Roy A. Praver (Main Office) 3345 S. Washington Ave., Suite C Titusville, FL 32780 O: 321-383-3445 F: 321-268-9564 Law Office of Roy A. Praver 10 Suntree Place Melbourne, FL 32940 O: 321-255-5453 Get Google Map with Directions Get Google Map with Directions Office Hours M-F 9:00 AM to 5:00 PM M-F 9:00 AM to 5:00 PM Email Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",12);arrFiles[5]=new Array(8,"index.shtml","January 29, 2010","Praver Law - Home Page","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Home Page - Debt problems can affect anyone. Hardworking people who have encountered medical issues, unexpected job losses or divorce may suddenly find themselves facing large amounts of debt. But, although there are thousands of people who file for bank","Welcome to Praver Law Debt problems can affect anyone. Hardworking people who have encountered medical issues, unexpected job losses or divorce may suddenly find themselves facing large amounts of debt. But, although there are thousands of people who file for bankruptcy protection every year, each person has a unique situation and needs a unique solution. Praver Law is not your ordinary bankruptcy law firm. We want to establish a personal relationship with you so that you feel at home in our offices. The Personalized Service You Need We provide our clients with a family-oriented atmosphere where you can feel at ease discussing your situation. Our experience handling hundreds of bankruptcy cases each year has given us the understanding and knowledge necessary to help you, no matter what your situation may be. We offer personal, compassionate services that are directed at moving you through the bankruptcy process as quickly and effortlessly as possible. We want to reassure you that although bankruptcy may seem daunting, it opens up new opportunities for you and gives you a second chance at financial security. You are granted full protection by the federal court, so after filing, you are free from the dangers of foreclosure, repossession, wage garnishments and creditor harassment. One Simple Consultation With just one simple consultation, we can file the documents necessary to protect your property and completely change your life. Our firm works hard to gather the information necessary to make a bankruptcy filing during a single meeting. We understand how busy you are, so we strive to take up as little of your valuable time as possible. Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. Debt Relief Agency The United States Congress has designated the Praver Law as a debt relief agency, assisting consumers seeking relief under the United States Bankruptcy Code. Praver Law has been proudly representing individuals in bankruptcy cases for over 17 years. Important Decision The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. LEGAL NOTICE AND DISCLAIMER The materials within this web site are for informational purposes only. They are not legal advice and should not be used as such. Transmission of the information in this web site is not intended to create, and receipt does not constitute, an attorney-client relationship. Internet users and readers should not act upon this information without first seeking professional legal counsel. The information in this web site is provided only as general information which may or may not reflect the most current legal developments. -- ",16);arrFiles[6]=new Array(10,"privacy.shtml","January 29, 2010","Praver Law - Privacy Policy","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Privacy Policy - Your privacy is important to us. Our goal in stating our policy on the collection and use of customer data is to ensure the highest level of confidentiality and security. When you provide information such as your name, address, or phone ","Privacy Policy Your privacy is important to us. Our goal in stating our policy on the collection and use of customer data is to ensure the highest level of confidentiality and security. When you provide information such as your name, address, or phone number, we will not give or sell your information to any outside company for its use in marketing or solicitation. We will maintain the confidentiality of your information and it will be used only to support our relationship in providing you the service you requested. We only reply or return e-mails and phone calls initiated by customers who have chosen to inquire about our services. Further questions can be addressed by emailing us at . Information Collection and Use Praver Law is the sole owner of the information collected on www.praverlaw.net . Praver Law collects information from our users at one location on our web site. We use this information to contact the user about services on our site for which he/she has expressed interest. Cookies A cookie is a piece of data stored on the user’s computer tied to information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We occasionally use either session ID cookie or persistent cookie to better tailor your visits to your individual preferences on our web site. Log Files Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information. Communications From The Site Special Offers and Updates At Praver Law we send all inquiring users a follow-up email to verify contact information. Users will occasionally receive information on products, services and special deals. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see the Choice and Opt-out sections. Service Announcements On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature. Users may opt-out of these communications. Please see our Choice and Opt-out section. Business Transitions In the event Praver Law goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances be part of the assets transferred. Users will be notified via e-mail prior to a change of ownership or control of their personal information. If as a result of the business transition, the users’ personally identifiable information will be used in a manner different from that stated at the time of collection they will be given choice consistent with our notification of changes section. Choice/Opt-out Users who no longer wish to receive our newsletter and promotional communications may opt-out of receiving these communications by e-mailing us at and typing “Unsubscribe” in the subject line. Links This Web site contains links to other sites. Please be aware that Praver Law is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site. Correcting/Updating/Deleting Personal Information If a user’s personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires our service, we provide a way to correct, update or delete/deactivate users’ personally identifiable information. This can be done by emailing our Customer Support Team at or, contact us by telephone at 321-383-3445 or by mail. Notification of Changes At Praver Law if we decide to change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. Praver Law will use information in accordance with the privacy policy under which the information was collected. -- ",16);arrFiles[7]=new Array(11,"sitemap.shtml","January 29, 2010","Praver Law - Sitemap","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Site Map - Quickly and easily find each web page within the Praver Law website.","Sitemap Navigation Bankruptcy Information Home Page Bankruptcy Information Contact Us Site Search Engine Bankruptcy Law Terms & Conditions Links Bankruptcy FAQ \'s Privacy Bankruptcy Myths Sitemap Wills and Estates Bankruptcy 7 Reasons Wills & Estates Bankruptcy Evaluation Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",14);arrFiles[8]=new Array(12,"terms.shtml","January 29, 2010","Praver Law - Terms and Conditions","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Terms and Conditions - All content on this site including text, graphics, logos, buttons, icons, images, audio clips, and software is the property of Praver Law or its content suppliers and is protected by U.S. and international copyright laws. The compi","Terms and Conditions All content on this site including text, graphics, logos, buttons, icons, images, audio clips, and software is the property of Praver Law or its content suppliers and is protected by U.S. and international copyright laws. The compilation (the collection, arrangement, and assembly) of all content of this site is the exclusive property of Praver Law and is protected by all relevant U.S. and international copyright laws. All software used on this site is protected by U.S. and international copyright laws. The content and software of this site is intended solely as a information resource. Any other use, including the reproduction, modification, distribution, transmission, re-publication, display, or performance, of the content on this site is strictly prohibited. Indemnification You agree to defend, indemnify and hold Praver Law harmless from and against any and all claims, damages, costs and expenses, including attorneys \' fees, arising from or related to your use of the site. Disclaimer This site is provided by Praver Law on an as is basis. Praver Law makes no representations or warranties of any kind, expressed or implied, as to the operation of the site, the information, the content, the materials, or the products, included on this site. To the full extent permissible by applicable law, Praver Law disclaims all warranties, expressed or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Praver Law will not be liable for any damages of any kind arising from the use of this site, including but not limited to direct, indirect, incidental punitive, and consequential damages. Without limiting the foregoing, Praver Law disclaims any and all warranties, express or implied, for and services offered on this site. Limitation of Liability Under no circumstances, shall Praver Law or any of its employees, directors, officers, agents, vendors or suppliers be liable for any direct or indirect losses or damages arising out of or in connection with the use of or inability to use the Praver Law web site. This is a comprehensive limitation of liability that applies to all losses and damages of any kind (whether general, special, consequential, incidental, exemplary or otherwise, including, without limitation, loss of data, income or profits), whether in contract, negligence or other tortuous action, even if an authorized representative of Praver Law has been advised of or should have known of the possibility of such damages. If you are dissatisfied with this web site or any content on the site, or with the Praver Law TERMS and CONDITIONS, your sole and exclusive remedy is to discontinue using the Praver Law web site. You acknowledge, by your use of the Praver Law web site that your use of the site is at your sole risk. Applicable law may not allow the limitation of liability set forth above, so this limitation of liability may not apply to you. If any part of the limitation of liability is found to be invalid or unenforceable for any reason, then the aggregate liability of Praver Law under such circumstances for liabilities that otherwise would have been limited shall not exceed twenty-five dollars (25.00). -- ",13);arrFiles[9]=new Array(13,"wills_estate.shtml","January 29, 2010","Praver Law - Wills and Estate Planning","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Wills and Estate Planning - Asset planning refers to either placing assets beyond the reach of creditors, or making the process of reaching assets so difficult for creditors that it will deter collection efforts, or some combination of the two. If you co","Wills and Estate Planning Wills and Estate Planning Wills Living Wills Estate Planning Probate Guardianship Power of Attorney Asset planning refers to either placing assets beyond the reach of creditors, or making the process of reaching assets so difficult for creditors that it will deter collection efforts, or some combination of the two. People who never imagined themselves in financial difficulty now see its specter looming on the horizon. They want protection, and they want it now. If you consult with an attorney or planning professional before you have significant debt, or while you’re solvent, assets can be moved without concern. Unfortunately, we usually see clients when they have incurred significant debt – usually either from business obligations or questionable investments. While we offer general information here, it is not comprehensive and not intended as legal advice. Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",12);arrFiles[10]=new Array(15,"about_us.shtml","January 29, 2010","Praver Law - About Us","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","About Us - Providing excellence in legal services has always been the top priority at Praver Law. We have served more than 1,000 people in the Central Florida area with Bankruptcy, Wills, and Estate Planning. We offer personalized service at Affordable r","About Us Providing excellence in legal services has always been the top priority at Praver Law . We have helped more than 1,000 people in the Central Florida area with Bankruptcy , Wills , and Estate Planning cases. We offer personalized service at Affordable rates! As a client, you can rest assured that your case will always receive special care and consideration. We understand that these are difficult times and difficult decisions for our clients. At Praver Law we take that extra step to provide and explain the most up-to-date legal advice to our clients. At Praver Law it also means we take the necessary time to thoroughly review your unique situation and completely explain the legal procedures we recommend including the best options available to you as our client. Bankruptcy consultations are ALWAYS free. Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. Debt Relief Agency The United States Congress has designated the Praver Law as a debt relief agency, assisting consumers seeking relief under the United States Bankruptcy Code. Praver Law has been proudly representing individuals in bankruptcy cases for over 17 years. -- ",12);arrFiles[11]=new Array(16,"bank_eval.asp","January 29, 2010","Praver Law - Bankruptcy Evaluation Form","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Bankruptcy Evaluation Form - Fill out the form to the best of your ability and bring any of the following information with you to your meeting, any creditors corresponding with you, collection efforts, any creditor, repossessions, foreclosure proceedings","Bankruptcy Evaluation Customer Information Items marked with are required fields. Customer Name: Address: City: St: Zip: Home Phone: ( ) - [Ex: (321) 555-3333] Work Phone: ( ) - Cell Phone: ( ) - Best contact: Home Work Cell E-mail: Mortgage Information Approx. Home Value: [currency entries can be entered with] 1st Mortgage Mo. Payment: [ or , or . or without any punctuation.] 1st Mortgage Balance: [Ex: 12,500.00 or 12500 or 12500. ] 2nd Mortgage Mo. Payment: 2nd Mortgage Balance: Current on Mortgage Payments: Yes No Annual Homeowners Insurance: Annual Property Taxes: Ins. & Taxes Paid in Escrow: Yes No Any Other Mortgages: Yes No Vehicles Vehicle 1 Year: [Ex: 2005] Vehicle 1 Make: [Ex: Ford, Dodge, etc.] Vehicle 1 Model: [Ex: LS 400] Vehicle 1 Retail Value: Vehicle 1 Balance (Payoff): Vehicle 1 Monthly Payment: Vehicle 1 Monthly Ins. Pmt: Current on Vehicle 1 Payments: Yes No Vehicle 2 Year: [Ex: 2005] Vehicle 2 Make: [Ex: Ford, Dodge, etc.] Vehicle 2 Model: [Ex: LS 400] Vehicle 2 Retail Value: Vehicle 2 Balance (Payoff): Vehicle 2 Monthly Payment: Vehicle 2 Monthly Ins. Pmt: Current on Vehicle 2 Payments: Yes No Other Debt Credit Cards (Payoff): Credit Cards (Mo. Pmt): Medical Bills (Payoff): Medical Bills (Mo. Pmt): Tax Debt (Payoff): Tax Debt (Mo. Pmt): Student Loans (Payoff): Student Loans (Mo. Pmt): Other Debt (Payoff): Other Debt (Mo. Pmt): Other Monthly Expenses Groceries: Maint. (Lawn & Pool): Electricity: Home Maint. (Pest): Water & Sewer: Clothing: Telephone: Laundry & Dry Cleaning: Cell Phone: Medical & Dental: Cable & TV: Trans (Fuel & TollTag): Internet: Alimony/Child Support: HOA Dues: Other Payments: Income My Gross Mo. Income: Weekly Bi Weekly Bi Monthly Monthly Spouse Gross Mo. Income: Weekly Bi Weekly Bi Monthly Monthly Other Monthly Income: Disability Social Security Pension Rental Property Part Time Job Child Support Unemployment Worker \'s Comp Questions and/or Comments &nbsp then the client is operating via a proxy UserIP = Request.ServerVariables ( HTTP_X_FORWARDED_FOR ) If UserIP = Then UserIP = Request.ServerVariables ( REMOTE_ADDR ) End if End Function Response.Write For security and fraud purposes we have recorded your IP Address. & Your IP Address is: & & UserIP() & % You will receive a response back as soon as possible. Thank you for your question and/or comments from Praver Law . -- ",48);arrFiles[12]=new Array(17,"evalreplyform.asp","January 29, 2010","Praver Law - Bankruptcy Evaluation Reply Form","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Bankruptcy Evaluation Reply Form - Your request has successfully been sent to your e-mail account. Make sure and check your e-mail for your copy of the information request you submitted. Thank you for submitting your questions or comments to Praver Law. ","Evaluation Reply Form then the client is operating via a proxy UserIP = Request.ServerVariables ( HTTP_X_FORWARDED_FOR ) If UserIP = Then UserIP = Request.ServerVariables ( REMOTE_ADDR ) End if End Function for each qryItem in Request.Form if (qryItem = custname) Then strCustName = request.Form(qryItem) if (qryItem = address) Then strCustAddress = request.Form(qryItem) if (qryItem = city) Then strCustCity = request.Form(qryItem) if (qryItem = state) Then strCustSt = request.Form(qryItem) if (qryItem = zip) Then strCustZip = request.Form(qryItem) if (qryItem = Hparea) Then strCustHomePhoneArea = request.Form(qryItem) if (qryItem = Hprefix) Then strCustHomePhonePrefix = request.Form(qryItem) if (qryItem = Hpsuffix) Then strCustHomePhoneSuffix = request.Form(qryItem) if (qryItem = Wparea) Then strCustWorkPhoneArea = request.Form(qryItem) if (qryItem = Wprefix) Then strCustWorkPhonePrefix = request.Form(qryItem) if (qryItem = Wpsuffix) Then strCustWorkPhoneSuffix = request.Form(qryItem) if (qryItem = Cparea) Then strCustCellPhoneArea = request.Form(qryItem) if (qryItem = Cprefix) Then strCustCellPhonePrefix = request.Form(qryItem) if (qryItem = Cpsuffix) Then strCustCellPhoneSuffix = request.Form(qryItem) // Take Care of the Radio Button for Contact Time if (qryItem = b_phone) Then strCustPhoneContact = request.Form(qryItem) if (qryItem = email) Then strCustEmail = request.Form(qryItem) // Mortgage Information if (qryItem = homevalue) Then strPropHomeValue = request.Form(qryItem) if (qryItem = mortpmt1) Then strPropMorg1Pmt = request.Form(qryItem) if (qryItem = mortbal1) Then strPropMorg1Bal = request.Form(qryItem) if (qryItem = mortpmt2) Then strPropMorg2Pmt = request.Form(qryItem) if (qryItem = mortbal2) Then strPropMorg2Bal = request.Form(qryItem) if (qryItem = b_mortcurt) Then strPropMorgCurrent = request.Form(qryItem) if (qryItem = mortinspmt) Then strPropInsPmt = request.Form(qryItem) if (qryItem = morttaxpmt) Then strPropTaxPmt = request.Form(qryItem) if (qryItem = b_mortescrow) Then strPropEscrow = request.Form(qryItem) if (qryItem = b_mortother) Then strPropOtherMorg = request.Form(qryItem) // Vehicle Information if (qryItem = vehicleoneyear) Then strCar1Year = request.Form(qryItem) if (qryItem = vehicleonemake) Then strCar1Make = request.Form(qryItem) if (qryItem = vehicleonemodel) Then strCar1Model = request.Form(qryItem) if (qryItem = vehicleonevalue) Then strCar1Value = request.Form(qryItem) if (qryItem = vehicleonebal) Then strCar1Bal = request.Form(qryItem) if (qryItem = vehicleonepmt) Then strCar1Pmt = request.Form(qryItem) if (qryItem = vehicleoneinspmt) Then strCar1InsPmt = request.Form(qryItem) if (qryItem = b_vehonecurt) Then strCar1Current = request.Form(qryItem) if (qryItem = vehicletwoyear) Then strCar2Year = request.Form(qryItem) if (qryItem = vehicletwomake) Then strCar2Make = request.Form(qryItem) if (qryItem = vehicletwomodel) Then strCar2Model = request.Form(qryItem) if (qryItem = vehicletwovalue) Then strCar2Value = request.Form(qryItem) if (qryItem = vehicletwobal) Then strCar2Bal = request.Form(qryItem) if (qryItem = vehicletwopmt) Then strCar2Pmt = request.Form(qryItem) if (qryItem = vehicletwoinspmt) Then strCar2InsPmt = request.Form(qryItem) if (qryItem = b_vehtwocurt) Then strCar2Current = request.Form(qryItem) // Other Debt Information if (qryItem = ccardbal) Then strDebtCcdBal = request.Form(qryItem) if (qryItem = ccardpmt) Then strDebtCcdPmt = request.Form(qryItem) if (qryItem = medicalbal) Then strDebtMedBal = request.Form(qryItem) if (qryItem = medicalpmt) Then strDebtMedPmt = request.Form(qryItem) if (qryItem = taxbal) Then strDebtTaxBal = request.Form(qryItem) if (qryItem = taxpmt) Then strDebtTaxPmt = request.Form(qryItem) if (qryItem = studentbal) Then strDebtStuBal = request.Form(qryItem) if (qryItem = studentpmt) Then strDebtStuPmt = request.Form(qryItem) if (qryItem = otherbal) Then strDebtOthBal = request.Form(qryItem) if (qryItem = otherpmt) Then strDebtOthPmt = request.Form(qryItem) // Monthly Expenses Information if (qryItem = expgroceries) Then strExpGroc = request.Form(qryItem) if (qryItem = explawn) Then strExpLawn = request.Form(qryItem) if (qryItem = expelectric) Then strExpElec = request.Form(qryItem) if (qryItem = exppest) Then strExpPest = request.Form(qryItem) if (qryItem = expwater) Then strExpWater = request.Form(qryItem) if (qryItem = expclothes) Then strExpCloth = request.Form(qryItem) if (qryItem = exptele) Then strExpTele = request.Form(qryItem) if (qryItem = expclean) Then strExpClean = request.Form(qryItem) if (qryItem = expcell) Then strExpCell = request.Form(qryItem) if (qryItem = expmedical) Then strExpMed = request.Form(qryItem) if (qryItem = expcable) Then strExpCable = request.Form(qryItem) if (qryItem = expfuel) Then strExpFuel = request.Form(qryItem) if (qryItem = expinternet) Then strExpInet = request.Form(qryItem) if (qryItem = expalimony) Then strExpAlim = request.Form(qryItem) if (qryItem = exphoa) Then strExpHoa = request.Form(qryItem) if (qryItem = expother) Then strExpOther = request.Form(qryItem) // Income Information if (qryItem = mymonthlyincome) Then strIncMine = request.Form(qryItem) if (qryItem = b_mygrossincome) Then strIncMineTyp = request.Form(qryItem) if (qryItem = spousemonthlyincome) Then strIncSpouse = request.Form(qryItem) if (qryItem = b_spousegrossincome) Then strIncSpouseTyp = request.Form(qryItem) if (qryItem = othermonthlyincome) Then strIncOther = request.Form(qryItem) if (qryItem = cb_disability) Then strIncDisability = Yes if (qryItem = cb_socialsecurity) Then strIncSocial = Yes if (qryItem = cb_pension) Then strIncPension = Yes if (qryItem = cb_rental) Then strIncRental = Yes if (qryItem = cb_parttime) Then strIncPartTime = Yes if (qryItem = cb_child) Then strIncChild = Yes if (qryItem = cb_unemployment) Then strIncUnemploy = Yes if (qryItem = cb_workers) Then strIncWorkers = Yes // Comments if (qryItem = comments) Then strCustComments = request.Form(qryItem) next // ----------------------------------------------------------------------------------------- // Parse and Combine the information to be displayed. Makes it easier to write the HMTL code. // ----------------------------------------------------------------------------------------- if strCustHomePhoneArea then strCustHomePhoneFormatted = strCustHomePhoneArea & - & strCustHomePhonePrefix & - & strCustHomePhoneSuffix else strCustHomePhoneFormatted = end if if strCustWorkPhoneArea then strCustWorkPhoneFormatted = strCustWorkPhoneArea & - & strCustWorkPhonePrefix & - & strCustWorkPhoneSuffix else strCustWorkPhoneFormatted = end if if strCustCellPhoneArea then strCustCellPhoneFormatted = strCustCellPhoneArea & - & strCustCellPhonePrefix & - & strCustCellPhoneSuffix else strCustCellPhoneFormatted = end if strCustCityStZip = strCustCity & , & strCustSt & & strCustZip // ========================================================================================= // Create the Mail Object // ========================================================================================= Set Mailer = Server.CreateObject(SMTPsvg.Mailer) // ----------------------------------------------------------------------------------------- // The following code fragment creates a Date/Time value for the message based on the // calculated GMT time. The DateTime property was added to allow users to set a custom // date/time timezone. // ----------------------------------------------------------------------------------------- function DayName (intDay) select case intDay case 1 DayName = Sun case 2 DayName = Mon case 3 DayName = Tue case 4 DayName = Wed case 5 DayName = Thu case 6 DayName = Fri case 7 DayName = Sat end select end function // ----------------------------------------------------------------------------------------- function MonthName (intMonth) select case intMonth case 1 MonthName = Jan case 2 MonthName = Feb case 3 MonthName = Mar case 4 MonthName = Apr case 5 MonthName = May case 6 MonthName = Jun case 7 MonthName = Jul case 8 MonthName = Aug case 9 MonthName = Sep case 10 MonthName = Oct case 11 MonthName = Nov case 12 MonthName = Dec end select end function // ----------------------------------------------------------------------------------------- // [set other Mailer properties] // ----------------------------------------------------------------------------------------- Mailer.DateTime = DayName (WeekDay(Date)) & , & Day(Date) & & MonthName(Month(Date)) & & Year(Date) & & FormatDateTime(Now, 4) & -0300 (EST) Mailer.FromName = Praver Law Mailer.FromAddress = pl_info@praverlaw.net Mailer.RemoteHost = mail.praverlaw.net Mailer.ReplyTo = strCustEmail Mailer.AddRecipient strCustName, strCustEmail Mailer.AddCC Info, plaw_info@praverlaw.net Mailer.Priority = 1 Mailer.IgnoreRecipientErrors = false Mailer.WordWrap = true // Mailer.WordWrapLen = 80 Mailer.Subject = Praver Law - Web Evaluation Request Mailer.ContentType = text/html // Mailer.AddAttachment c: \\websites \\82976fnq \\ai_limitations_disclaimers.pdf // ----------------------------------------------------------------------------------------- // Start building the body of the email message // ----------------------------------------------------------------------------------------- strMsgHeader = strMsgHeader & & vbCrLF strMsgHeader = strMsgHeader & This mail message was sent from WWW.PRAVERLAW.NET Online Evaulation Request web page. & Customer ( & strCustName & ) provided information for Praver Law . & vbCrLf & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Customer Information & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Customer Name: & vbCrLf strMsgInfo = strMsgInfo & & strCustName & & vbCrLf strMsgInfo = strMsgInfo & Address: & vbCrLf strMsgInfo = strMsgInfo & & strCustAddress & & vbCrLf strMsgInfo = strMsgInfo & City, St., Zip: & vbCrLf strMsgInfo = strMsgInfo & & strCustCityStZip & & vbCrLf strMsgInfo = strMsgInfo & Home Phone: & vbCrLf strMsgInfo = strMsgInfo & & strCustHomePhoneFormatted & & vbCrLf strMsgInfo = strMsgInfo & Work Phone: & vbCrLf strMsgInfo = strMsgInfo & & strCustWorkPhoneFormatted & & vbCrLf strMsgInfo = strMsgInfo & Cell Phone: & vbCrLf strMsgInfo = strMsgInfo & & strCustCellPhoneFormatted & & vbCrLf strMsgInfo = strMsgInfo & Preferred Contact: & vbCrLf strMsgInfo = strMsgInfo & & strCustPhoneContact & & vbCrLf strMsgInfo = strMsgInfo & Email Address: & vbCrLf strMsgInfo = strMsgInfo & & strCustEmail & & vbCrLf strMsgInfo = strMsgInfo & IP Address: & vbCrLf strMsgInfo = strMsgInfo & & UserIP & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Mortgage Information & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Approx. Home Value: & vbCrLf strMsgInfo = strMsgInfo & & strPropHomeValue & & vbCrLf strMsgInfo = strMsgInfo & 1st Mortgage Mo. Payment: & vbCrLf strMsgInfo = strMsgInfo & & strPropMorg1Pmt & & vbCrLf strMsgInfo = strMsgInfo & 1st Mortgage Balance: & vbCrLf strMsgInfo = strMsgInfo & & strPropMorg1Bal & & vbCrLf strMsgInfo = strMsgInfo & 2nd Mortgage Mo. Payment: & vbCrLf strMsgInfo = strMsgInfo & & strPropMorg2Pmt & & vbCrLf strMsgInfo = strMsgInfo & 2nd Mortgage Balance: & vbCrLf strMsgInfo = strMsgInfo & & strPropMorg2Bal & & vbCrLf strMsgInfo = strMsgInfo & Current on Mortgage Payments: & vbCrLf strMsgInfo = strMsgInfo & & strPropMorgCurrent & & vbCrLf strMsgInfo = strMsgInfo & Annual Homeowners Insurance: & vbCrLf strMsgInfo = strMsgInfo & & strPropInsPmt & & vbCrLf strMsgInfo = strMsgInfo & Annual Property Taxes: & vbCrLf strMsgInfo = strMsgInfo & & strPropTaxPmt & & vbCrLf strMsgInfo = strMsgInfo & Ins. & Taxes Paid in Escrow: & vbCrLf strMsgInfo = strMsgInfo & & strPropEscrow & & vbCrLf strMsgInfo = strMsgInfo & Any Other Mortgages: & vbCrLf strMsgInfo = strMsgInfo & & strPropOtherMorg & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Vehicles & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Year: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Year & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Make: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Make & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Model: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Model & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Retail Value: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Value & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Payoff: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Bal & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Payment: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Pmt & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 1 Monthly Ins. Payment: & vbCrLf strMsgInfo = strMsgInfo & & strCar1InsPmt & & vbCrLf strMsgInfo = strMsgInfo & Current on Vehicle 1 Payments: & vbCrLf strMsgInfo = strMsgInfo & & strCar1Current & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Year: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Year & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Make: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Make & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Model: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Model & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Retail Value: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Value & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Payoff: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Bal & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Payment: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Pmt & & vbCrLf strMsgInfo = strMsgInfo & Vehicle 2 Monthly Ins. Payment: & vbCrLf strMsgInfo = strMsgInfo & & strCar2InsPmt & & vbCrLf strMsgInfo = strMsgInfo & Current on Vehicle 2 Payments: & vbCrLf strMsgInfo = strMsgInfo & & strCar2Current & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Other Debt & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Credit Cards (Payoff): & vbCrLf strMsgInfo = strMsgInfo & & strDebtCcdBal & & vbCrLf strMsgInfo = strMsgInfo & Credit Cards (Mo. Pmt): & vbCrLf strMsgInfo = strMsgInfo & & strDebtCcdPmt & & vbCrLf strMsgInfo = strMsgInfo & Medical Bills (Payoff): & vbCrLf strMsgInfo = strMsgInfo & & strDebtMedBal & & vbCrLf strMsgInfo = strMsgInfo & Medical Bills (Mo. Pmt): & vbCrLf strMsgInfo = strMsgInfo & & strDebtMedPmt & & vbCrLf strMsgInfo = strMsgInfo & Tax Debt (Payoff): & vbCrLf strMsgInfo = strMsgInfo & & strDebtTaxBal & & vbCrLf strMsgInfo = strMsgInfo & Tax Debt (Mo. Pmt): & vbCrLf strMsgInfo = strMsgInfo & & strDebtTaxPmt & & vbCrLf strMsgInfo = strMsgInfo & Student Loans (Payoff): & vbCrLf strMsgInfo = strMsgInfo & & strDebtStuBal & & vbCrLf strMsgInfo = strMsgInfo & Student Loans (Mo. Pmt): & vbCrLf strMsgInfo = strMsgInfo & & strDebtStuPmt & & vbCrLf strMsgInfo = strMsgInfo & Other Debt (Payoff): & vbCrLf strMsgInfo = strMsgInfo & & strDebtOthBal & & vbCrLf strMsgInfo = strMsgInfo & Other Debt (Mo. Pmt): & vbCrLf strMsgInfo = strMsgInfo & & strDebtOthPmt & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Monthly Expenses & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Groceries: & vbCrLf strMsgInfo = strMsgInfo & & strExpGroc & & vbCrLf strMsgInfo = strMsgInfo & Maint. (Lawn & Pool): & vbCrLf strMsgInfo = strMsgInfo & & strExpLawn & & vbCrLf strMsgInfo = strMsgInfo & Electricity: & vbCrLf strMsgInfo = strMsgInfo & & strExpElec & & vbCrLf strMsgInfo = strMsgInfo & Home Maint. (Pest): & vbCrLf strMsgInfo = strMsgInfo & & strExpPest & & vbCrLf strMsgInfo = strMsgInfo & Water & Sewer: & vbCrLf strMsgInfo = strMsgInfo & & strExpWater & & vbCrLf strMsgInfo = strMsgInfo & Clothing: & vbCrLf strMsgInfo = strMsgInfo & & strExpCloth & & vbCrLf strMsgInfo = strMsgInfo & Telephone: & vbCrLf strMsgInfo = strMsgInfo & & strExpTele & & vbCrLf strMsgInfo = strMsgInfo & Laundry & Dry Cleaning: & vbCrLf strMsgInfo = strMsgInfo & & strExpClean & & vbCrLf strMsgInfo = strMsgInfo & Cell Phone: & vbCrLf strMsgInfo = strMsgInfo & & strExpCell & & vbCrLf strMsgInfo = strMsgInfo & Medical & Dental: & vbCrLf strMsgInfo = strMsgInfo & & strExpMed & & vbCrLf strMsgInfo = strMsgInfo & Cable & TV: & vbCrLf strMsgInfo = strMsgInfo & & strExpCable & & vbCrLf strMsgInfo = strMsgInfo & Trans (Fuel & TollTag): & vbCrLf strMsgInfo = strMsgInfo & & strExpFuel & & vbCrLf strMsgInfo = strMsgInfo & Internet: & vbCrLf strMsgInfo = strMsgInfo & & strExpInet & & vbCrLf strMsgInfo = strMsgInfo & Alimony/Child Support: & vbCrLf strMsgInfo = strMsgInfo & & strExpAlim & & vbCrLf strMsgInfo = strMsgInfo & HOA Dues: & vbCrLf strMsgInfo = strMsgInfo & & strExpHoa & & vbCrLf strMsgInfo = strMsgInfo & Other Payments: & vbCrLf strMsgInfo = strMsgInfo & & strExpOther & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Income & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & My Gross Mo. Income: & vbCrLf strMsgInfo = strMsgInfo & & strIncMine & & vbCrLf strMsgInfo = strMsgInfo & Pay Period: & vbCrLf strMsgInfo = strMsgInfo & & strIncMineTyp & & vbCrLf strMsgInfo = strMsgInfo & Spouse Gross Mo. Income: & vbCrLf strMsgInfo = strMsgInfo & & strIncSpouse & & vbCrLf strMsgInfo = strMsgInfo & Pay Period: & vbCrLf strMsgInfo = strMsgInfo & & strIncSpouseTyp & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Other Monthly Income: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncOther & & vbCrLf strMsgInfo = strMsgInfo & Disability: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncDisability & & vbCrLf strMsgInfo = strMsgInfo & Social Security: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncSocial & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Pension: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncPension & & vbCrLf strMsgInfo = strMsgInfo & Rental Property: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncRental & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Part Time Job: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncPartTime & & vbCrLf strMsgInfo = strMsgInfo & Child Support: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncChild & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Unemployment: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncUnemploy & & vbCrLf strMsgInfo = strMsgInfo & Workers Comp: & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strIncWorkers & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & Questions or Comments & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgInfo = strMsgInfo & & strCustComments & & vbCrLf strMsgInfo = strMsgInfo & & vbCrLf strMsgFooter = strMsgFooter & & vbCrLf strMsgFooter = strMsgFooter & & Thank you for submitting your questions or comments to Praver Law. You will be contacted shortly!!! & & vbCrLf & vbCrLf // strMsgFooter = strMsgFooter & strMsgFooter = strMsgFooter & Mailer.BodyText = strMsgHeader & strMsgInfo & strMsgFooter // Response.Write strMsgInfo % & vbCrLf Response.Write Thank You! & vbCrLf Response.Write & vbCrLf Response.Write strCustName & , your request has successfully been sent to your e-mail account ( & strCustEmail & ). & vbCrLf & vbCrLf Response.Write & vbCrLf Response.Write Make sure and check your e-mail for your copy of the information request you submitted. & vbCrLf Response.Write Thank you for submitting your questions or comments to Praver Law . You will be contacted about your request as soon as possible. & vbCrLf Else Response.Write & vbCrLf Response.Write The following error occurred while attempting to send your information: & vbCrLf & vbCrLf Response.Write & vbCrLf Response.Write Mailer.Response & & vbCrLf & vbCrLf End If set Mailer = nothing % -- ",50);arrFiles[13]=new Array(18,"links.shtml","January 29, 2010","Praver Law - Links","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Links - These web links are provided as a courtesy to assist our customers in finding legal related information. If these links do not provide the information you are searching for, please contact us at praverlaw.net and we will try and assist you. If yo","Links These web links are provided as a courtesy to assist our customers in finding legal related information. If these links do not provide the information you are searching for, please contact us at and we will try and assist you. If you should happen find any of the links are broken on this page please contact us and let us know so we can correct the error. We only reply or return e-mails and phone calls initiated by customers who have chosen to inquire about our services. Further questions can be addressed by emailing us at . A B C American Consumer Credit Counseling Credit Counseling & Debtor Education Information D E F Debt Management Plans – Government Site Debt Settlement and Debt Negotiations Florida Bankruptcy Law Summaries Free Information about 2010 Bankruptcy Strategies G H I J K L M N O National Foundation for Credit Counseling Net Debt Settlement P Q R S T U The Best Personal Bankruptcy Strategy Manual V W X Y Z -- ",13);arrFiles[14]=new Array(19,"bank_chapter7.shtml","January 29, 2010","Praver Law - Seven Reasons to File Chapter 7","melbourne, titusville, law offices, law, office, debt relief, consumers, creditors, relief, protection, bankruptcy, wills, estate planning, debt, debt consolidation, debt relief agency, unsecured debt, nondischargeable, bankruptcy petition, backtaxes, st","Seven Reasons to File Chapter 7 - The US Bankruptcy Code offers several choices to one who is struggling with debt. A Chapter 7 bankruptcy is the most common form and preferred option for most debtors. Here are seven reasons why: Time, Property, Cost, Re","Bankruptcy - Seven Reasons to File Chapter 7 Seven Reasons to File Chapter 7 The US Bankruptcy Code offers several choices to one who is struggling with debt. A Chapter 7 bankruptcy is the most common form and preferred option for most debtors. Here are seven reasons why: 1. Time: A typical Chapter 7 bankruptcy takes about 150 days from beginning to end. Once the case is filed, a brief creditor’s meeting is held about 30 days into the process. Unless a creditor objects (rare), the case ends about three months later with little excitement. A Chapter 13 case will run from 36 to 60 months, 3 to 5 years. 2. Property: Most Chapter 7 filers do not lose any property. Federal and/or State exemption laws allow a debtor to protect fairly generous amounts of property. The bankruptcy trustee concludes most cases as being “no asset” cases. This means that you have no property that you are required to forfeit. Exemptions vary from case to case and we will discuss all exemptions available to you at your initial consultation. 3. Cost: A Chapter 7 case is considerably less expensive than a Chapter 13 bankruptcy. 4. Repayment of Most Unsecured Creditors: NONE If the debt was incurred in good faith and no creditor objects to you filing bankruptcy, unsecured credit obligations (credit cards, medical bills, utility bills, car repossessions, mortgage foreclosure obligations) are completely wiped out in bankruptcy. Your debts will be discharged and you will not have to pay anything back. 5. Privacy: While a record of your bankruptcy is accessible in the court system, however, unlike State Court, unless you have a special account, you cannot access bankruptcy information on the internet. Usually bankruptcy filings are not published in the newspaper. Generally, the only people who know you filed are you, the court, your creditors, and anyone else you choose to tell. Your employer will not be notified by the Court. 6. Credit: Most Chapter 7 bankruptcy filers are able to reestablish credit within a short period after their bankruptcy. After the present debt is removed, your debt to income ratio improves. This is the beginning to rebuilding credit. 7. Stress: Other than a 3-5 minute hearing with the assigned trustee for your case, most Chapter 7 filers never have to go to court for a hearing and will never see a Bankruptcy Judge. Additional Information Look through the links below to additional information about your rights on filing Bankruptcy. Once you have through the information then call the Praver Law to setup your free bankruptcy consultation to determine if filing Bankruptcy is the correct step for you. Bankruptcy Information Bankruptcy FAQ \'s Bankruptcy Law Bankruptcy Myths Bankruptcy Eval Contact Us If you are considering filing for bankruptcy, you do not have to make this decision alone. Praver Law can provide you with the help and support you need to handle your financial situation. Contact Praver Law today at 321-383-3445 to schedule a FREE initial consultation. We have two convenient locations to serve you: Titusville, FL Office Melbourne, FL Office O: 321-383-3445 O: 321-255-5453 F: 321-268-9564 Prior to your appointment, we ask that you go to our online Bankruptcy Evaluation Form , fill it out to the best of your ability, and bring any of the following information with you to your meeting. Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc. Collection efforts from most entities you owe money too. Any creditor from starting or continuing a law suit against you. Repossessions. Foreclosure proceedings and Trustee Sales. Wage Garnishments or levies, even if garnishment orders are already in effect. -- ",15);