Blog Posts in 2010
58 results found. Viewing page 1 of 3.
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Posted on Dec 22, 2010 By Robert W. Kovacs,Jr.
Happy Holidays I hope everyone has a great Holiday.
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Posted on Nov 15, 2010 By
Proposed Changes to the Massachusetts Homestead Law The Commonwealth is considering a bill so that individuals will be able to enjoy the certain protections of a homestead without having to record any ...
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Posted on Aug 17, 2010 By Robert W. Kovacs,Jr.
Every bankruptcy case is different fees will vary from case to case. Typical fees in consumer cases are as follows: Chapter 7: Legal Fee: $1,000 - $1,500 Filing Fee: $299 Bankruptcy counseling: $100 ...
Continue reading "What are typical fees in bankruptcy? " »
Posted on Aug 17, 2010 By Robert W. Kovacs,Jr.
In most bankruptcy cases you will pay back nothing to your creditors. In other cases you will pay back what you can afford. Debt negotiation typically works by you making a payment to a company and ...
Continue reading "Bankruptcy is almost always cheaper than debt negotiation, settlement or consolidation" »
Posted on Aug 11, 2010 By Robert W. Kovacs,Jr.
§ 1408. Venue of cases under title 11 How Current is This? Except as provided in section 1410 of this title, a case under title 11 may be commenced in the district court for the district— (1) in which ...
Continue reading "Venue – In which Court do I file my bankruptcy case? " »
Posted on Jul 8, 2010 By Robert W. Kovacs,Jr.
http://www.telegram.com/article/20100708/NEWS/100709779/1116
Continue reading ""Two area lawyers nominated for district court judgeships"" »
Posted on Jul 8, 2010 By Robert W. Kovacs,Jr.
Bankruptcy FAQ (Chapter 7 and Chapter 13) Republished with Permission © 2010 Nolo. Chapter 7 bankruptcy and Chapter 13 bankruptcy: what you need to know. What's Below: What exactly is ...
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Posted on Jun 1, 2010 By Robert Kovacs
Starting today, June 1, 2010, HAMP Home Loan Modifications cannot be denied because you are in an active chapter 7 or 13 bankruptcy. This is significant for many consumers. Many consumers facing ...
Continue reading "HAMP Loan Modification Changes – Modification can NOT be denied because of active bankruptcy " »
Posted on May 31, 2010 By
I wish everyone a wonderful Memorial Day.
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Posted on May 31, 2010 By Robert Kovacs
Bankruptcy can save your home from foreclosure! The moment a bankruptcy case is filed with the bankruptcy court the automatic stay comes into effect. The automatic stay prevents creditors from taking ...
Continue reading "I am facing foreclosure – Can Bankruptcy Help? " »
Posted on May 22, 2010 By Robert Kovacs
All initial bankruptcy consultations with Attorney Kovacs are free. And there is no time limit! During the consultation we will first talk about you, your assets, income, expenses, and debts. I will ...
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Posted on May 22, 2010 By Robert Kovacs
When you stop paying your credit card bill the bank will want to find a way to get you to start paying again. The first step will likely be making phone calls and sending letters. If that does not ...
Continue reading "I stopped paying my credit card bill. What is going to happen? " »
Posted on May 11, 2010 By Robert Kovacs
http://www.telegram.com/article/20100511/NEWS/5110346/1237
Continue reading "Judge Hoffman sworn in " »
Posted on May 5, 2010 By Robert Kovacs
http://www.telegram.com/article/20100505/NEWS/5050366/1237
Continue reading "Worcester Telegram and Gazette Article " A fair judge" " »
Posted on Mar 21, 2010 By Robert Kovacs
Judge Melvin Hoffman is set to take the bench April 15, 2010. Judge Hoffman will be taking the seat left by retiring Judge Rosenthal in the Massachusetts Bankruptcy Court, Central Division. Judge ...
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Posted on Mar 21, 2010 By Robert Kovacs
A recent discharge violation case of mine has settled for $15,000.00 In this case a creditor continued to call and send bills to a family after they had filed for bankruptcy and after they had ...
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Posted on Mar 20, 2010 By Robert Kovacs
At the conclusion of most individual bankruptcy cases a Debtor receives a “discharge” of his debts. The discharge is a release of your personal legal obligation to repay your debts. In part that ...
Continue reading "Creditors that continue to attempt to collect on discharged debt are violating the law. " »
Posted on Mar 20, 2010 By Robert Kovacs
After filing bankruptcy the “automatic stay” comes into effect. Much like the name implies it happens automatically upon the filing of your case and stays actions against you. This means that a ...
Continue reading "I just filed bankruptcy and my creditors keep on calling -- What can I do? " »
Posted on Feb 24, 2010 By Robert Kovacs
Yes settling a debt for less than you owe will save you money but it is not going to save you as much as you think. When you settle a debt with your credit card or other creditors for less than you ...
Continue reading "Settling a Debt for less than you owe can cost more than you think " »
Posted on Feb 24, 2010 By Robert Kovacs
As you may have heard there are several new credit card regulations. One such regulation prohibits banks from charging over draft fees unless you “opt in.” If you chose not to “opt in” to the service ...
Continue reading "New Credit Card Regulations – Opt in for Over Draft Fees " »
Posted on Feb 20, 2010 By Robert Kovacs
As soon as your bankruptcy case is filed with the Court the “automatic stay” comes into effect. The “automatic stay” is much what it sounds like, it happens automatically upon filing of your case and ...
Continue reading "I filed bankruptcy. When will creditors stop calling? " »
Posted on Feb 15, 2010 By Robert Kovacs
Individual debtors filing bankruptcy are required to complete both pre and post discharge counseling courses. Pre-filing counseling or “Credit Counseling” must be completed before the filing of ...
Continue reading "What is Bankruptcy Counseling? Pre-Discharge Education" »
Posted on Feb 11, 2010 By Robert Kovacs
In order for an individual to qualify for bankruptcy protection you must first complete Credit Counseling. Counseling can be completed on-line, over the phone, and in person. The counseling will take ...
Continue reading "What is Bankruptcy Counseling? Pre Filing Counseling " »
Posted on Feb 8, 2010 By Robert Kovacs
Chapter 13 bankruptcy is a payment plan. In chapter 13 the debtor makes a reasonable monthly payment based on his or her income and expenses . Whatever does not get paid back to creditors through the ...
Continue reading "If you are filing chapter 13 bankruptcy with careful planning you may be able to reduce your payment " »
Posted on Feb 3, 2010 By Robert Kovacs
If you owe the IRS or the Massachusetts Department of Revenue (“DOR”) back taxes then filing bankruptcy may help. Filing bankruptcy under chapter 13 or 11 will put you into an interest free repayment ...
Continue reading "If you owe the IRS or DOR filing bankruptcy will put you in an interest free payment plan " »
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