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If you want to keep your vehicle in a Chapter 7 your choices are “reaffirmation” and “redemption.” Reaffirmation is much more common. You and the lender agree to repay the loan as if you had not filed bankruptcy. You’re recommitting to pay the loan, “reaffirming” that you want to pay it. Redemption is much less … Continued
If the police stop you, in your car or walking around, do you have to stop? Well, that depends, is it an field inquiry, in investigative detention, or an arrest? Police can’t stop people at random, they need without a particular suspicion of criminal activity by that person they want to talk to. But, police … Continued
You may ask “why should I be concerned about signing a 60 or 72 month car loan if I can afford the payment?” The answer, in a word, is “depreciation.” Cars and trucks are depreciating assets. That is, they go down in value with each day and each mile of wear and tear. When you get … Continued
You can get them for too many points on your license, for being found guilty of certain motor vehicle infractions, and a pile of other things. And the pile up quickly. They are thousands of dollars in addition to the increase in your car insurance and other costs, just to keep your driving license valid. … Continued
Major automobile corporation, Toyota, just announced that they will be recalling 645,000 vehicles across the globe in response to an issue with possible airbag deployment during a car accident. The defect that was found in the airbag systems could prevent the airbags on the sides or front of the vehicle to activate. It is important … Continued
ELI LILLY PROPOSES SETTLEMENT OF ITS TESTOSTERONE LITIGATION AFTER ITS MADE UP ILLNESS OF “LOW-T” Eli Lilly, the manufacturer of Axiron Gel, is working on a master settlement plan to end its litigation for claims against it due to the increased risk of heart attack, stroke, blood clots and sudden death. Axiron was approved to … Continued
At the last Case Management Conference, Judge Fallon expressed a desire to put an end to the litigation caused by Xarelto’s increased risk of increased death due to gastrointestinal bleeds as well as strokes and cranial bleeds and encouraged the parties to start settlement negotiations. Often when that happens, the practical deadlines to file claims … Continued
Learn something from the Real Housewives of New Jersey. Don’t hire just anyone to handle your bankruptcy. So what happened to Teresa Guidice? She and her husband got into the real estate flipping business, her husband signed off on a lot of papers he shouldn’t have, not always using his own name, and then the … Continued
A debtor might want to pay off a debt, even though that debt will be discharged in a bankruptcy case. For example, a debtor might want to keep a car. A reaffirmation agreement is an agreement to pay that debt, even if it would have been discharged. Reaffirmations are voluntary and not required by law. … Continued
When we are in court, we frequently see people acting as their own lawyers. And it is ugly. Very ugly. The best comparison is probably between bankruptcy law and a car’s transmission. Its fairly easy to get a transmission off of a car when it isn’t working, and even open it up. And even pull … Continued