Special Prices

Special pricing for June ends on the 30th call today!

Bankruptcy Special

Now through the end of June Chapter 7 for  $775 plus filing fee

Another Loan Modifcation

We got a Chase Hamp Modification today HAMP Tier 1 Loan Modifcation Offer today

with a $177, 934.78 principal forgiveness,and a   2% interest rate to start capped in 5 years at 4.875%!

Bankruptcy Fee Increase

The Judicial Conference of the United States met on March 11, 2014, and approved changes to the Bankruptcy Court Miscellaneous Fee Schedule effective June 1, 2014. A summary of those changes follow:

The fee for filing a complaint increases to $350.00.
The following administrative fees are increased to the totals noted:
- For the filing of a petition under Chapter 7, 12, or 13, $75.00.
- For the filing of a petition under Chapter 9, 11, or 15, $550.00.
- When a motion to divide a joint case under Chapter 7, 12, or 13 is filed, $75.00.
- When a motion to divide a joint case under Chapter 11 is filed, $550.00.

As a consequence the increases effective June 1, 2014, the full fee for filing a -
Chapter 7 will be $335.00
Chapter 9 will be $1,717.00
Chapter 11 will be $1,717.00
Chapter 12 will be $275.00
Chapter 13 will be $310.00

Chapter 15 will be $1,717.00

Document Preparation for Your Foreclosure Case

We will prepare your pro se answer- one day turn around once payment is received for $300.00

We accept Paypal, BitCoins, Visa and Mastercard, personal checks, and cash.

BitCoins

Our office is now accepting payments by Bitcoins.
http://www.carollawsonpa.com/online_payments.htm

City Clearwater Home Loans

Home Improvement Loans Available in Clearwater

CLEARWATER, Fla. – The City of Clearwater Economic Development and Housing Department may be able to help with necessary code-related repairs needed in the home. Single-family detached homes, townhouses or villas with a comparable sales value from the Pinellas County Property Appraiser that does not exceed $150,000 may benefit from the City’s Housing Rehabilitation Loan Program. Homes must be occupied by the owner. Loans available are up to $25,000.

Household income must be 80 percent or less than the area median income. For example, a one person household would have to have an income of $32,150 or less. A four person household would have to have an income of $45,900 or less. Other eligibility criteria may apply.

Assistance is in the form of a deferred payment loan or a low-interest loan, depending on income. 
Some examples of work that could be funded are roof system repairs including soffit/fascia; plumbing repairs; electrical repairs; replacement of doors and/or windows; and ADA modifications.

For information regarding the Housing Rehabilitation Program, contact Terry Malcolm-Smith at (727) 562-4036.

Happy Holidays

Just built a site

Check out clearwaterbankruptcyattorney.net

Pre-holiday Special

Now through Dec 24, 2013, all ch 7s individual or joint- excluding costs and motions are $600. 

Obama Care Another Way to Screw the Middle Class

Starting January 1, 2014, the Affordable Care Act will guarantee coverage for all Americans and offer tax credits to reduce premiums for millions of consumers nationwide. Are you one of them?

If your household income is below or around these amounts, you may be eligible.

Ok so I go to this formula but in married joint taxes employer offers insurance. (Mind you the formula does not take into account how much the employer pays, the quality of the coverage, out of pocket expenses, deductibles....  and this is the result

Based on the information you entered and estimated premiums in your state, you are likely ineligible for a government subsidy for the following reason(s):

> Your household income is too high for you to receive lower health insurance premiums through the Public Exchange. (uh you didn't ask me my household income)

> You are offered coverage by your employer that meets the minimum value standards, and your share of the cost is not more than 9.5% of your household income.  Not if you take in account out of pocket expenses, deductibles.... 

If you select no when it asks about your employer offering healthcare then  it asks you a question regarding income and then it comes up with :

Public Exchange

Why?
Based on the information you entered, you will likely be eligible for a tax credit to lower your health insurance premiums.

As a result, one of our Benefits Counselors can assist you in applying for the subsidy and for coverage on the Public Exchange (i.e Federally Facilitated Health Insurance Marketplace).

*Disclaimer: The premium and subsidy amounts displayed are estimates only and are not specific to your area of the state, which may impact premiums. The actual amounts of subsidy eligibility may differ and is dependent on completing the Federal application. This Member Benefits Eligibility Estimator is not intended to be relied upon for legal or tax advice.

OBAMA CARE IS A NIGHTMARE

1. Welcome to reality, Obama freaks!! A comment posted on the Affordable Care Act/Obamacare FB page:
   
   "I actually made it through this morning at 8:00 A.M. I have a preexisting condition (Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 "Silver Plan" and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so ...I "opt-out" and chose to continue along with no insurance. I received an email tonight at 5:00 P.M. informing me that my fine would be $4,037 and could be attached to my yearly income tax return. Then you make it to the "REPERCUSSIONS PORTION" for "non-payment" of yearly fine.
   
   First, your drivers license will be suspended until paid, and if you go 24 consecutive months with "Non-Payment" and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy "Automatically withdraw" your "penalties" weekly, bi-weekly or monthly! This by no means is "Free" or even "Affordable."

   
   

   This was posted by a friend of mine to my facebook page yesterday.

GMAC

Residential Capital LLC, the mortgage lender controlled by government-owned finance company Ally Financial Inc., wants to pay a $2 million bonus to its chief restructuring officer for shepherding the company through bankruptcy.  These are the people who took over GMAC Mortgage.  Oh yeah they are in Ch 11 bankruptcy in case you missed it.

Obama Care

On average across all comers, a benchmark "silver" plan will cost $373 a month in California, $328 in Florida and $305 in Texas.

For example, a family of four in Jackson, Miss., with an income of $50,000 would have to pay $1,200 a month for a "silver" plan if they didn't qualify for government help -- although they'd pay just $282 after the federal tax credit they almost certainly would qualify for. For the cheapest "bronze" plans, the average deductible was $5,000. The federal government will pay for part of the premiums. The government will help pay the premiums for anyone making up to about $46,000 for an individual and as much as $94,000 for a family of four.The law caps out-of-pocket payments to a maximum of $6,350 annually for an individual, or $12,700 for a family.

Doesn't sound like a good deal.

The penalty for not having insurance, which is $95 or 1 percent of household income, whichever is greater, rather than buying coverage.

Moderate-income Americans, who will be eligible for subsidized coverage but who must still pay between 6 percent to 9.5 percent of their income toward monthly premiums, are likely to have the hardest time affording the policies.

College- Free

http://money.msn.com/personal-finance/8-colleges-where-tuition-is-free

Cooper Union is not the only school that gave students a free tuition ride. Eight colleges, from the expensive, elite Curtis Institute of Music to the relatively inexpensive Alice Lloyd College in Pippa Passes, Ky., still do not charge any tuition at all, though some schools have a work requirement. They all have fewer than 2,000 students, and some are tiny, like Deep Springs College in Big Pine, Calif., a two-year college with only 26 students. Deep Springs also covers room and board, a scholarship valued at some $40,000 a year.

There are also the five U.S. military academies -- the U.S. Military Academy (West Point), the U.S. Coast Guard Academy, the U.S. Naval Academy, the U.S. Air Force Academy and the U.S. Merchant Marine Academy—where tuition, room and board are all free. But graduates pay a price through their service obligation, which starts at a minimum of five years. Still, the military academies are arguably a great deal. A West Point spokesman says its four-year degree is equal to an “equivalent scholarship value” of $205,000. West Point’s service requirement includes five years of active duty and three years in the reserves.