Florida Reported to Have the Highest Foreclosure Rate in the Nation

June 29, 2015 Posted by kingcade

13 states are reported to have a higher foreclosure rate than the nation’s average. Of the states that held higher foreclosure rates than the U.S. average, most were located in the Midwest and the South. Florida ranked number one on this list. A recent report by the housing-data company RealtyTrac, sheds more light on these figures.

According to the report, our nation’s foreclosure rate has increased by 1%, from April to May of this year. Compared with May 2014, we have seen a 16% increase. For every 1,041 homes in the U.S., one has had a foreclosure filing for May 2015. This includes notices of default, scheduled auctions and bank repossessions. With the highest foreclosure rate of any state, including the District of Columbia, Florida has remained in this position for the past three months. In Florida, 1 out of every 409 housing units was in foreclosure.

Rising foreclosure rates can be attributed to annual increases in bank repossessions, as states across the nation continue to sift through the multitude of distressed properties. Both lenders and courts have been pushing through stubborn foreclosure cases that have been remained stagnant for years, but these efforts have been exhausted.

Foreclosure starts (the the first foreclosure filing on a property) have also increased by 4% from 2014, but they remain lower than reported pre-crisis levels from 2005 and 2006. Foreclosure starts did show a decline in May, but completed foreclosures continued to increase.

Choosing the right attorney can make the difference between whether or not you can keep your home. A well-qualified Miami foreclosure defense attorney will not only help you keep your home, but they will be able to negotiate a loan that has payments you can afford. Miami foreclosure defense attorney Timothy Kingcade has helped many facing foreclosure alleviate their stress by letting them stay in their homes for at least another year, allowing them to re-organize their lives. If you have any questions on the topic of foreclosure please feel free to contact me at (305) 285-9100. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:
http://www.usatoday.com/story/money/personalfinance/2015/06/21/credit-dotcom-states-highest-foreclosures/71264498/

Medical Debt Collector Held Accountable for Handling Disputes Improperly

June 26, 2015 Posted by kingcade

Expensive and unexpected medical bills combined with relentless debt collectors often leads to unfair collection practices. According to the Consumer Financial Protection Bureau (CFPB), improper practices were employed by Syndicated Office Systems, LLC – also doing business as Central Financial Control. They apparently affected the credit scores of thousands of individuals and caused consumers distress and confusion through a series of improper collection practices.

Syndicated Office Systems, who primarily collects medical debt on behalf of hospitals, doctors, and other healthcare providers, must pay $5.4 million in relief to consumers for allegedly mishandling credit reporting disputes and preventing individuals from exercising their debt collection rights.

The company had initially made collection efforts through letters and telephone calls to consumers, the CFPB’s complaint states. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to notify consumers of their right to request proof that a debt is valid or dispute the debt, under the Fair Credit Reporting Act. The complaint also stated that they failed to provide consumers with a “debt validation notice” within five days of its initial communication with the consumer, in connection with the collection of a debt.

According to CFPB, the company failed to respond within 30 days to consumer disputes about the inflation furnished to consumer reporting agencies. The investigation revealed that Syndicated Office Systems had not sent these validation notices to nearly 10,000 consumers. Despite this, the company had collected over $2 million from consumers.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:
http://consumerist.com/2015/06/18/medical-debt-collector-must-pay-consumers-5-4m-for-improperly-handling-disputes
http://www.consumeraffairs.com/news/medical-debt-collector-hit-with-hefty-penalty-061915.html

Four Habits that Contribute to a Poor Credit Score

June 25, 2015 Posted by kingcade

For consumers with less than average or poor credit, it is often difficult to obtain the necessities that can give us a comfortable living. For those with bad credit, it may be difficult to see what you might be doing wrong. Researchers have discovered that there are certain habits that consumers with lower credit scores tend to practice.

Below are some habits you should stop immediately:

1. Making Late Payments.

Payment history is one of the most important factors when determining one’s credit score. Late payments or missing payments will generate a severely negative impact on your credit score. Most lenders utilize the FICO credit score when they are assessing your risk as a potential borrower.

If you regularly fail to make payments on time, this can have a bad effect on your credit score; lowering it substantially. This can also stop you from being approved for certain lines of credit like an auto loan, mortgage loan, personal loan, or credit cards. Making payments on time is crucial to improving your credit. Missing even one payment can spiral out of control quickly, as late fees and interest charges accumulate. It can take up to seven years to remove defaults or delinquent payments (30 days or more past due) on your credit report.

2. Maxing out Your Card.

You should never max your your card. If you use credit to pay for things you are unable to afford, this is a bad habit that will ruin your credit score. Lenders will view you as a consumer with financial struggles and they will most likely decline your application for further credit.

This will also negatively affect your credit utilization ratio. Consumers with poor credit typically use more than 30% of their available credit, which is a bad habit to take on. By maxing out your credit cards, the utilization teeters near 100%, which will have a significantly negative impact on your credit score.

3. Applying for too much Credit.

Many consumers make the common mistake of applying for multiple lines of credit or credit cards. Each time you apply for a line of credit, a hard inquiry will reflect in your credit report. A hard credit inquiry is a negative mark against your credit, and it remains on your credit report for up to two years.

Credit inquiries do not carry a detrimental impact on credit scores, but applying for multiple credit cards or loans will notify lenders that you may have financial trouble. Before you apply for a new line of credit, first research your chances of being approved.

4. Not Utilizing Your Credit.

Having no credit is truly seen as worse than having bad credit. One cannot improve their credit if they do not have it. This may seem hard to believe but you are far less likely to obtain a lender if you have no credit to show for. The upside is that there are credit cards available to those with all credit types—even with no credit. They may require a deposit to get started but this will help you build the credit you need for the future.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:
http://www.huffingtonpost.com/comparecards/4-habits-of-consumers-wit_b_7613690.html

Items you Should Avoid Buying with Your Credit Card

June 24, 2015 Posted by kingcade

For many consumers, credit cards are seen as tools that will only harm their credit. Oftentimes we forget that credit cards can be very beneficial and rewarding, when used correctly. By following some simple and valuable tips, you can successfully build your credit while conveniently improving your score. Below, we will look at some smarter ways to use our credit cards. This begins with recognizing certain items that you should NEVER purchase with your credit card.

Large Purchases

Having a credit card with a high credit limit does not mean you should exhaust that limit quickly. One of the biggest mistakes you can make is putting an extremely large purchase on your credit card. As you pay back this amount, you will also be paying an exorbitant amount of interest along with it.

If you miss a payment, you are subject to harsh penalties and this can put you further in debt, thus ruining your credit. This is known as the “Snowball Effect.” Instead, make small, semi-regular purchases and be sure to pay off the entire balance each month. This activity will reflect very positively on your credit score.

Hospital Bills

Never pay your medical bills with your credit card. Medical bills are expensive and paying them with your credit card will only add unnecessary interest fees to your bills. Credit card interest rates may range anywhere from 10% to 30%.

Instead, speak to the medical billing or collections department and ask about your options. Many hospitals and medical facilities can offer you a payment plan directly with them, which will often have much lower interest rates. Sometimes, dependent on your financial situation, you may even be eligible for a “write-off” where the bill is cleared and you may not need to pay it at all.

Student Expenses

Student debt is another expensive bill that should never be put on your credit card. Much like medical bills, student loan interest rates are significantly lower than the average credit card interest rate. Using credit cards to repay these expenses will only prolong the process and add extra interest fees to your balance. Some lenders also charge a “processing” or convenience fee to those paying with credit cards.

Instead, set money aside that you can use expressly toward your student loans. You could set up a bank account for monthly student loan deductions. There is also the option of an income-based repayment (IBR) plan, where if you qualify, your student loan payments will be recalculated based on your income and family size. If you are facing financial hardship, are enrolled in further schooling or the military, you may be eligible for deferment or forbearance. You can also find out if loan forgiveness is an option for you as well.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:
http://time.com/money/3929085/credit-card-hospital-bills-student-loans-online-shopping/?xid=gonewsedit

The OCC Limits Banks Regarding Foreclosures

June 23, 2015 Posted by kingcade

The Office of the Comptroller of the Currency (OCC) recently enforced restrictions on the mortgage-servicing operations of six banks, including J.P. Morgan Chase & Co. and Wells Fargo & Co. The Office claimed that these banks were not properly complying with enforcement orders, regarding past home foreclosure abuses. According to the OCC, these banks failed to meet all the requirements of consent orders, which had been issued in 2011. These orders were focused on foreclosure-processing mistakes. The 2011 orders sparked controversy regarding America’s major banks’ foreclosure files, to determine how many borrowers should be compensated. In 2013, the OCC and the Federal Reserve stopped this review before it was completed and regulators settled with 15 banks related to foreclosure problems.

Other banks have also been slapped with penalties and fines for failing to complete required corrective actions. These banks included EverBank Financial Corp., HSBC Holdings PLC, Santander Holdings USA Inc. and U.S. Bancorp. While the issues found by the OCC varied by each bank, each instance included unresolved problems with the information systems that the banks used to track foreclosure and loan modification activities, and the quality of communication with borrowers. There was also a lack of adequate follow up regarding the loan modification and foreclosure process, and servicing duties handled by third-party contractors.

The six banks in question now have restrictions placed on their mortgage servicing operations, as well as limitations on the banks’ ability to acquire residential mortgage servicing rights or outsource their existing mortgage servicing rights. In recent years, a great number of banks have backed out from the mortgage-servicing industry. However, according to the OCC officials, mortgage servicing remains a “significant activity” for each of the six banks. It also continues to remain a major part of the business strategy for many institutions.

J.P. Morgan claims to have made significant progress, with plans to complete their remaining items by summer’s end. As for HSBC and Wells Fargo, they will receive the harshest restrictions. OCC officials call this a reflection of both the number and severity of the outstanding problems with these two banks. Wells Fargo president Mike Heid, claims, “We will continue to work with the OCC to address the remaining items, and we have in place an action plan to complete that work in the coming months.”

The National bank units of Bank of America Corp., Citigroup Inc. and PNC Financial Services Corp. have had their consent order lifted by the OCC. To date, the OCC program has distributed more than $2.7 billion to more than 3.2 million borrowers from banks overseen by the regulator, representing more than 90% of the total funds available.

Choosing the right attorney can make the difference between whether or not you can keep your home. A well-qualified Miami foreclosure defense attorney will not only help you keep your home, but they will be able to negotiate a loan that has payments you can afford. Miami foreclosure defense attorney Timothy Kingcade has helped many facing foreclosure alleviate their stress by letting them stay in their homes for at least another year, allowing them to re-organize their lives. If you have any questions on the topic of foreclosure please feel free to contact me at (305) 285-9100. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:
http://www.wsj.com/articles/u-s-restricts-six-banks-over-mortgage-problems-1434553589

Timothy S. Kingcade Featured in Attorney at Law Magazine!

June 22, 2015 Posted by kingcade

Miami bankruptcy attorney Timothy S. Kingcade is featured on the homepage of Attorney at Law Magazine (Miami edition) this week for being recognized as a Florida Super Lawyer 2015 in the area of consumer bankruptcy law. Super Lawyers represents the top 5% of Florida lawyers who have attained a high degree of peer recognition and professional achievement.

Read all about it at http://www.attorneyatlawmagazine.com/miami/miami-bankruptcy-attorney-timothy-s-kingcade-named-2015-florida-super-lawyers-list/!

Super Lawyers is a listing of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The annual selections are made using a patented multiphase process that includes a statewide survey of lawyers, an independent research evaluation of candidates and peer reviews by practice area. The result is a credible, comprehensive and diverse listing of exceptional attorneys, representing the top five percent of attorneys in each state.

Timothy S. Kingcade founded the law firm of Kingcade & Garcia, P.A., in 1996. Today, he and his firm handle more than one thousand bankruptcy filings each year. As Managing Shareholder of Kingcade & Garcia, P.A., Timothy and his firm represent clients throughout the State of Florida in Chapter 7 bankruptcy, foreclosure defense and personal injury claims. To compliment Attorney Kingcade’s extensive legal experience, he is also a certified public accountant (CPA), which provides him with a unique understanding of how to handle tax-motivated bankruptcy cases against the IRS.

For more information, visit http://www.miamibankruptcy.com.

 

Before and after Bankruptcy, Creditors Must be Watched

June 18, 2015 Posted by kingcade

For borrowers who are struggling to keep up with their debts or who have fallen behind, bankruptcy provides some much needed protection from creditor harassment. If a creditor continues collection actions against you, even after you have filed for bankruptcy, the creditor may be violating your rights and the protection you are granted when you file for bankruptcy.

Creditors, such as credit card companies, banks, and other financial institutions can pursue you to collect a debt up until you file for bankruptcy. After that, they should no longer be able to reach out to you in an attempt to collect a debt. Even if the financial institution charged off your debt and sold it to a debt buyer, all communication should cease.  This guard is known as an automatic stay, which is a court ordered protection designed to prohibit creditors from contacting you during your bankruptcy petition.

Unfortunately, some creditors violate this protection and still pursue debtors even after they have filed for bankruptcy. Below are some options available to you:

• Advise the creditor of your bankruptcy. By directly informing the creditor that you have obtained bankruptcy protection, this may cause them to stop future violations. There is the possibility that the collector was unaware of your case (either through negligence or error).

• Notify the bankruptcy court. If the creditor fails to stop contacting you and continues to make violations, you should notify the bankruptcy court. At this point, the court can sanction the collector for violating its automatic stay order if the collection action is “willful.” This is done under the court’s power of contempt, which means that the creditor has violated the court’s order. After that, the creditor can face fines, including attorney’s fees, and damages.

• File a lawsuit. If the violations continue, the creditor may be guilty of violating additional state and federal laws. These include the Fair Debt Collection Practices Act, or FDCPA and the Fair Credit Reporting Act. In the state of Florida, it may also violate the Florida Consumer Collection Practices Act, or FCCPA.

Once your bankruptcy is complete and your debts have been discharged, you also have protection from creditors trying to collect on that debt. When a debt is discharged, it means you no longer need to pay that debt collector; therefore the creditor should not be contacting you to collect. Like the automatic stay, creditors who violate this may be required to pay you for the violation, including additional legal costs.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:
http://www.nolo.com/legal-encyclopedia/creditor-trying-collect-debt-during-bankruptcy.html
http://bankruptcy.lawyers.com/consumer-bankruptcy/automatic-stay-violations-and-creditor-consequences.html

Debt Buyers Relentlessly Pursue Debtors, Hoping to Collect

June 18, 2015 Posted by kingcade

Many debt collectors are known to employ pushy methods and persistent measures to collect money from debtors. The issue is rising to new heights as debt buyers pursue consumers, without any regard for the terms of the debt or even the identity of the debtor.  One of the country’s largest debt collection agencies, Portfolio Recovery Associates, LLC (PRA LLC) pursued a Kansas City woman, over a mistaken $1,000 credit card bill. The trial jury ruled against the company for violating the Fair Debt Collection Practices Act (FDCPA) because of their malicious pursuit of the woman. The result was an enormous award of $82,990,000 in punitive damages.

While the result of this case was not typical, the act of debt buyers relentlessly pursuing debtors is quite common. If you have outstanding debt, debt buyers like PRA LLC will make it their business to buy your unpaid debts. They normally purchase these debts for pennies on the dollar, from financial institutions that have already charged them off. These debt collectors will then use aggressive tactics to get payments from you. They often act quickly, threatening action against you unless you agree to a settlement or payment plan. Many times, debt collectors will even overlook expiration dates and even go after the wrong individual, as seen in the Kansas City case.

When faced with persistent debt collectors, it is easy to want to evade them or ignore the attempts, but this is exactly what they want you to do. After an adequate number of attempts, the debt collector can serve you a summons. Simply ignoring this will not stop the suit from proceeding and eventually a judge can declare a default judgment against you.

If a debt collector contacts you, the following tips will help you throughout the process.

• Take Action from Initial Contact. If you are contacted by a debt collector, make sure you respond within the proper time frame. The response time limit is generally 20-30 calendar days, but it may vary by state. You may need to seek trusted legal representation.

• Demand Written Notice. The FDCPA requires debt collectors to provide you with written notice about the debt. It should include the name of the creditor and the amount of the debt owed. Do not engage them any further without this notice.

• Verify the Debt. Is the debt really yours? Has it been forgiven or discharged? If it is not yours, the burden is on the debt collector as to whether they want to sue you.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source: http://www.foxbusiness.com/personal-finance/2015/06/12/woman-wins-83-million-from-debt-collector/

Don’t Let Student Loan Debt Affect Your Retirement Plans

June 17, 2015 Posted by kingcade

Most Americans today are not saving enough for retirement and many are bringing burdensome student loan debt with them into their golden years. Your retirement should be a time of relaxation and time well-spent with your grandchildren.  Understanding the risks associated with bringing student loan debt into retirement can help you avoid making the common mistakes many retirees have already made.

In a recent study by LIMRA Secure Retirement Institute, retirees are incurring unprecedented levels of student loan debt. The research revealed that 26 years ago, student loan debt among retirees was less than 1%. As of 2013, the figure has risen to a total of 15% and the average amount is more than $2,300. This new data suggests that parents and grandparents are taking out loans and co-signing for their children and grandchildren’s college and graduate school education.

Retirees with very high levels of student loan debt are at risk of having their Social Security payments garnished, if they default on federal student loans.  The best defense against student loans is to refrain from taking out more than needed.  Research all of your options, such as federal aid, scholarships, grants and work-study income before taking out a loan for your child or grandchild. Do not be tempted to pay off student loans with saved money from your 401(k) or IRA. These important funds are for when you retire and you will be penalized for taking money out early.

For borrowers who are struggling with student loan debt, relief options are available. Many student loan borrowers are unaware that they have rights and repayment options available to them, such as postponement of loan payments, reduction of payments or even a complete discharge of the debt. It is important you contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source: http://www.cbsnews.com/news/retirement-plans-increasingly-hampered-by-student-loan-debt/

Reasons to File for Chapter 7 Bankruptcy Instead of Chapter 13

June 16, 2015 Posted by kingcade

If you have decided that bankruptcy is the right solution for your financial situation, the next step is to determine which type of bankruptcy is best.  If you are an individual or small business owner, your most obvious choices are either a Chapter 7 or Chapter 13 bankruptcy.

Below are some of the key advantages associated with filing Chapter 7 bankruptcy:

  • Get a fresh start! The goal of Chapter 7 bankruptcy is to wipe the slate clean of all past debts (this excludes certain debts such as student loans, child support, alimony, taxes and debt incurred by fraud), giving the debtor a fresh start.    As opposed to a Chapter 13 bankruptcy, debts are forgiven without any attempt at repayment.
  • Keep future income. The property a debtor acquires after filing for Chapter 7 is not included in the bankruptcy estate.  This excludes property a debtor acquires within 180 days after filing for Chapter 7.  This rule applies to inherited property, property from a divorce or settlement agreement, death benefits or proceeds from a life insurance policy.
  • No limits. As opposed to Chapter 13 bankruptcy, Chapter 7 bankruptcy does not impose a limit on the amount of debt a filer may have.
  • Quick process. In most cases, Chapter 7 clients can receive a complete discharge of all of their debts in as little as three months.
  • NO repayment plan. Unlike Chapter 13 bankruptcy, the debtor does not have to repay debt in a court-approved repayment plan.  After receiving a Chapter 7 discharge, the debtor is no longer responsible for repaying the debt.

It is important to know that Chapter 7 bankruptcy does require a debtor to pass the “means test,” which determines whether your income is low enough to file.   The means test was designed to limit the number of Chapter 7 filers to those who truly cannot afford to pay their debts.  However, you can earn significant monthly income and still qualify to file for Chapter 7 if you have a lot of expenses, such as high mortgage payments, car loans, medical debt, taxes and other related expenses.

If you have any questions on this topic or would like to know which bankruptcy option is best for your situation, contact an experienced Miami bankruptcy attorney .  As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Related Resources:

http://bankruptcy.findlaw.com/chapter-7/reasons-to-file-for-chapter-7-bankruptcy-instead-of-chapter-13.html

http://www.moneycrashers.com/chapter-7-vs-chapter-13-bankruptcy/

http://www.alllaw.com/articles/nolo/bankruptcy/which-type-chapter-7-chapter-13.html

http://www.nolo.com/legal-encyclopedia/chapter-7-bankruptcy-means-test-eligibility-29907.html