Avoid Mistakes When Planning and Filing Virginia Bankruptcy Cases

The best-planned bankruptcy cases go unnoticed. A few debtors glide through the system without attracting attention and receive full discharges in record time. Luck is not involved, but rather each successful debtor begins planning strategically a few weeks or months in advance. These debtors know something that you don’t.

Free - 2010 Bankruptcy Strategies Explained

Ask a Bankruptcy Lawyer for Help – Expand Your Options Quickly

If you are thinking about filing Chapter 7 or Chapter 13 bankruptcy, you are not alone. Complete the form below to contact a sponsoring bankruptcy lawyer. Ask all questions you deem important without cost or obligation of any kind. Free help is only a few minutes away.

Need a Lawyer? LegalMatch allows you to present your case, and respond only to lawyers who want to help you. It's Free & Confidential.

New York Bankruptcy Resources - Debt Consolidation

The sites below were reviewed for content which is relevant to the New York bankruptcy issues appearing within this site. For more information, please see our review policy. We welcome all sites submitted for review and respond to all requests within 3 business days.

Debt Consolidation Information and Services:

1. Debt Consolidation - refresh.

Recent Notable Opinions of the Supreme Court of The United States:

Household Credit Services, Inc. v. Pfennig, No. 02-857 (2009), Argued February 23, 2009, Decided April 21, 2009, CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SIXTH CIRCUIT.

The Truth in Lending Act (TILA) regulates, inter alia, the disclosures credit card issuers must extend to all consumers, and provides credit card consumers with a basic civil remedy for a lender's failure to comply. Among other things, the lender's periodic balance statement to the consumer must include "]he amount of any finance charge," Sec. 1637(b)(4), which is defined as an amount "payable directly or indirectly by the consumer, and imposed directly or indirectly by the creditor as an incident to the extension of credit."  Sec. 1605(a). Section Sec. 1604(a) expressly gives to the Federal Reserve Board expansive authority to prescribe regulations containing "such classifications, differentiations, or other provisions," as, in the Board's judgment, "are necessary or proper to effectuate TILA's purposes, to prevent circumvention or evasion thereof, or to facilitate compliance therewith." The Board's Regulation Z interprets Sec. 1605(a)'s "finance charge" definition to exclude "charges for exceeding a credit limit" (over-limit fees). Held: Regulation Z is not an unreasonable interpretation of Sec. 1605 in the present cuircumstance. Because respondent does not challenge the Board's authority under Sec. 1604(a) to issue binding regulations, this Court faces only two questions. It asks, first, whether "Congress has directly spoken to the precise question at issue," Chevron U.S.A. Inc. v. Natural Resources Defense Council, Inc., 467 U.S. 837, 842, in which case courts, as well as the Board, "must give effect to the unambiguously expressed intent of Congress," id. at 842—843. However, whenever Congress has "explicitly left a gap for the implementing agency to fill," the agency's regulation is "given controlling weight unless it is arbitrary, capricious, or manifestly contrary to the statute."  Id. at 843—844.

The websites included on this page relate in some way to filing New York Bankruptcy cases, whether laws, rules, discharge, reorganization or other topics . Vast bodies of law pertain to New York Bankruptcy proceedings and are incorporated by the courts. As New York Bankruptcy laws are created each year, the coverage of this site will continue to grow.