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Chapter 7 Bankruptcy gives the debtor a "fresh start."

by Bankruptcy Basics

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“A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts.”

by Bankruptcy Basics

Did You Know?

Filing Fees:
Chapter 7: $306
Chapter 13: $281
The courts only except cashier checks or money orders made payable to "The United States Bankruptcy Court".

by Bankruptcy Basics

Did You Know?

Average Cost for an Attorney:
Chapter 7: $950.00 - $1,400.00
Chapter 13: $1,800.00 - $2,400.00

by Consumer Affairs

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“1.2 million foreclosure filings were reported nationwide during 2006, up 42 percent from 2005 and a foreclosure rate of one foreclosure filing for every 92 U.S. households”

by RealtyTrac

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“Colorado, Georgia, Nevada post highest foreclosure rates”

by RealtyTrac

Did You Know?

“Detroit, Atlanta, Indianapolis report highest metro foreclosure rates”

by RealtyTrac


 

RULE 5

Federal Rules of Civil Procedure

Serving and Filing Pleadings & Other Papers

(a) Service: When Required

Except as otherwise provided in these rules, every order required by its terms to be served, every pleading subsequent to the original complaint unless the court otherwise orders because of numerous defendants, every paper relating to discovery required to be served upon a party unless the court otherwise orders, every written motion other than one which may be heard ex parte, and every written notice, appearance, demand, offer of judgment, designation of record on appeal, and similar paper shall be served upon each of the parties. No service need be made on parties in default for failure to appear except that pleadings asserting new or additional claims for relief against them shall be served upon them in the manner provided for service of summons in Rule 4.

In an action begun by seizure of property, in which no person need be or is named as defendant, any service required to be made prior to the filing of an answer, claim, or appearance shall be made upon the person having custody or possession of the property at the time of seizure.

(b) Same: How Made.

Whenever under these rules service is required or permitted to be made upon a party represented by an attorney the service shall be made upon the attorney unless service upon the party is ordered by the court. Service upon the attorney or upon a party shall be made by delivering a copy to the attorney or party by mailing it to the attorney or party at the attorney’s or party’s last known address or, if no address is known, by leaving it with the clerk of the court. Delivery of a copy within this rule means: handing it to the attorney or to the party; or leaving it at the attorney’s or party’s office with a clerk or other person in charge thereof; or, if there is no one in charge, leaving it in a conspicuous place therein; or, if the office is closed or the person to be served has no office, leaving it at the person’s dwelling house or usual place of abode with some person of suitable age & discretion then residing therein. Service by mail is complete upon mailing.

(c) Same: Numerous Defendants

If any action in which there are unusually large numbers of defendants, the court, upon motion or of its own initiative, may order that service of the pleadings of the defendants & replies thereto need not be made as between the defendants and that any cross-claim, counterclaim, or matter constituting an avoidance or affirmative defense contained therein shall be deemed to be denied or avoided by all other parties & that the filing of such pleading & service thereof upon the plaintiff constitutes due notice of it to the parties. A copy of every such order shall be served upon the parties in such manner & from as the court directs.

(d) Filing; Certificate of Service

All papers after the complaint required to be served upon a party, together with a certificate of service, must be filed with the court within a reasonable time after service, but disclosures under Rule 26(a)(1) or (2) and the following discovery requests & responses must not be filed until they are used in the proceedings or the court orders filing: (i) depositions, (ii) interrogatories, (iii) requests for documents or to permit entry upon land, and (iv) requests for admission.

(e) Filing with the Court Defined.

The filing papers with the court as required by these rules shall be made by filing them with the clerk of the court, except that the judge may permit the papers to be filed with the judge, in which event the judge shall note thereon the filing date & forthwith transmit them to the office of the clerk. A court may by local rule permit papers to be filed, signed, or verified by electronic means that are consistent with technical standards, if any, that the Judicial Conference of the United States establishes. A paper filed by electronic means in compliance with a local rule constitutes a written paper for the purpose of applying these rules. The clerk shall not refuse to accept for filing any paper presented for that purpose solely because it is not presented in proper form as required by these rules or practices.

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Sixty percent of bankruptcies and seventy-five percent of divorces in California are done without lawyers!

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“Other cities with foreclosure rates among the nation's 10 highest were Denver, Dallas, Fort Worth, Las Vegas, Memphis, Fort Lauderdale and Miami.”

by RealtyTrac

Did You Know?

“Other states with 2006 foreclosure totals among the nation's 10 highest included Ohio, Michigan, Georgia, Illinois, Colorado, New York and Indiana.”

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Did You Know?

“Texas, California, Florida report biggest foreclosure totals”

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Did You Know?

“Detroit leads with one foreclosure filing for every 21 households”

by RealtyTrac