Profile

Cover photo
Casey Puckett
376,430 views
AboutPostsPhotosYouTube

Stream

Casey Puckett

Shared publicly  - 
 
$283.00 Ch7 Kansas Bankruptcy (Reg $709.00)
Ends 1/20 | Call 316.312.4748 - Uncontested Documents
801 E Douglas, 2nd Fl., Wichita

Choosing Bankruptcy to Stay Afloat
By Nancy Trejos
Washington Post Staff Writer

Danielle Lancaster makes $28,000 a year as a bank employee in Richmond. She owes almost twice that on her credit cards, student and car loans.

Add to that day-care expenses for her 2-year-old daughter, rent and utilities, and she uses up every cent she brings in. She has cut costs any way she can, suspending luxuries such as restaurant meals and movies. But that didn't stop her car from getting repossessed. "I work to live," she said. "I see my check, and it's gone right away."

Lancaster is 26 and bankrupt.

Two weeks ago, she filed for Chapter 13 bankruptcy protection, which will restructure her debt. She will have five years to pay it off under a plan that lowers her monthly payments. "Everything just got to be too much," said the Richmond resident who recently earned an undergraduate degree from Norfolk State University.

Despite the 2005 passage of a law that made it more difficult and expensive to file for personal bankruptcy, more Americans are choosing bankruptcy over destitution. Filings -- including Chapter 7, which wipes out debt, and Chapter 13, which reorganizes it -- totaled 822,590 last year, up 38 percent from 2006.

The numbers tell the story of a crippled economy, one in which people owe more than they can pay to their creditors -- be they credit card companies, mortgage lenders or auto and student loan servicers. And it's one more disturbing chapter in the saga of the subprime mortgage crisis, in which homeowners unable to handle higher interest payments on their adjustable rate mortgages are turning to bankruptcy to avoid foreclosure.

"The rise in bankruptcies is not about something that happened last week or last month," said Elizabeth Warren, a Harvard Law School professor and a bankruptcy expert. "It's about the fundamentals. It's about declining wages, rising costs, inadequate health insurance, job instability. More hardworking middle-class families simply can't make it in this economy, and it's only getting worse."

Bankruptcy attorneys and economists said the trend cuts across all segments of society -- the young and the old, homeowners with bad mortgages and renters, the poor and the middle class. In the past, bankruptcies were more common among people who had sudden life changes, such as a divorce, illness or job loss. Now, the bankrupt are people who have simply racked up too much debt.
ad_icon

"It is pretty widespread because there are widespread problems in the economy," said Peter Morici, an economist at the University of Maryland at College Park. "Americans have been spending 105 percent of their income for the last three or four years. That's not sustainable."

Declining home values are exacerbating the problem. No longer can people rely on the equity in their homes to pay down more expensive debt. Most troubling is that people are increasingly seeking bankruptcy protection to save their homes. Filing for Chapter 13 freezes a foreclosure and allows homeowners to negotiate more manageable payments with their lenders.

Take Jerome and Stephanie Smith. They used a fixed-rate mortgage to buy a house in Richmond in 2000, then refinanced to an adjustable rate loan in 2003. At least three more refinances followed -- Jerome Smith said he has lost count. The couple's monthly mortgage payment more than doubled to $1,600, excluding taxes and insurance. "I'm not dumb, but sometimes we do dumb things," Jerome Smith, 52, said.

Then something happened that had nothing to do with his judgment. He injured his back at his job as a machine operator. He has not worked since surgery in December and is getting $350 a week in disability payments, about one-third what he normally brings home.

The family -- the couple and their daughter -- had to go on what Jerome calls "the poor man's budget." That means buying a bag of 15 chicken legs and thighs, four boxes of macaroni and cheese for $1, three cans of green beans for $1, a big can of spaghetti and meatballs for $1.84, a 20-pound bag of rice for $5, some cereal, grits, eggs, bread, milk and juice. "You stick to that, and that comes under $100" a month, he said.

Still, the couple has not been able to keep up with the mortgage. One of three cars has been repossessed. The electric company has sent a cutoff notice. Phone service has been suspended.

Late and missed payments damaged their credit score so much that they couldn't get any lenders to refinance at more favorable terms. Then their mortgage company scheduled a foreclosure. Filing for Chapter 13 fended that off.

"There was nothing that I could really do," Jerome Smith said. "My hands were tied."

Congress recently considered a proposal by Sen. Richard J. Durbin (D-Ill.) to let bankruptcy judges cut interest rates and principal on troubled mortgages. But that plan was scuttled last month. Instead, consumers must operate under the law passed in 2005, which was intended to get people like the Smiths to choose other alternatives. In response to critics, such as credit card issuers who complained that people sought bankruptcy too frivolously, Congress enacted tighter income limits, tougher standards for measuring a debtor's ability to pay and mandatory credit counseling.

Personal bankruptcies reached a peak of 2.04 million that year as debtors rushed to file before the changes went to effect. The number dropped precipitously in 2006 but started climbing back up in 2007, according to the Administrative Office of the U.S. Courts.

In the District, there were 358 Chapter 7 filings in 2007, up from 297 the previous year. There were 336 Chapter 13 filings, up from 240 the year before, according to the Administrative Office of the U.S. Courts.

U.S. bankruptcy courts in Maryland and Virginia provided more recent figures. In Maryland, there were 982 Chapter 7 filings in April, up from 534 in April 2007. There were 625 Chapter 13 filings, up from 424. In the Eastern District of Virginia, which includes Northern Virginia, there were 1,191 Chapter 7 filings in April, more then double the number -- 581 -- this time last year. There were 552 Chapter 13 filings, up from 410.
ad_icon

Bob Arnold, 46, is waiting to find out whether the court will accept his Chapter 7 filing. He once made more than $100,000 a year as a manager at a printing plant. Then he lost his job, which wiped out his ability to pay child support and send money to about a dozen credit card companies, the lender for his timeshare and Capital One for his car. His monthly obligations totaled about $2,000, more than he takes in at his new job as a paralegal. He kept up his child support but stopped payments to other creditors. Then a friend, an attorney, suggested bankruptcy.

"I'm not happy about it, but I have to do what I have to do," the Centreville resident said. "I can't keep these creditors on hold, and I can't give them what I don't have."

Earlier this month, he sat in a hot, windowless room at the Legal Services of Northern Virginia's Falls Church Office as attorney Nancy Ryan explained how to file for bankruptcy. In the room were people with credit card debt, cars that had been repossessed, houses that had been foreclosed upon. "It's a tsunami," said Q. Russell Hatchl, pro bono coordinator for Legal Services.

Ryan reminded them that although a bankruptcy would take care of their debts, it could also leave them with damaged credit for as long as 10 years.

Lancaster knows that all too well. Although she is relieved that her monthly payments to her creditors will drop to $290 -- her car alone had cost her $400 a month -- she has felt the negative impact of filing for bankruptcy. She is trying to move closer to the District so she can get a better-paying job, but she cannot persuade any landlord to let her rent a place unless she hands over a lot of money up front. "It's hard to do anything once you get a bankruptcy," she said.

Ultimately, though, the bankruptcies will be restorative, said Morici, the economist. "It's better to get people a clean slate," he said, "so when the economy recovers they can participate again."




1
Add a comment...

Casey Puckett

Shared publicly  - 
 
Ready? Call for more information or ask for an appointment ...
316.312.4748 | UncontestedDocuments.com

I NEED A JOB BUT MY RECORD IS BAD
What happens IF I have a criminal record?

Obviously, if you have any kind of criminal record—be it a misdemeanor when you were a senior in high school or a tax fraud charge five years ago—you may be understandably anxious. However, depending on the job description and the criminal charge, an employer could be in trouble if it automatically rejects you as a potential hire based on a certain conviction or record of arrest. This is according to the Equal Employment Opportunity Commission, and you’d do well to review your rights if you’re concerned about a blemish on your criminal record. With that said, because recreational drugs, such as marijuana, are still illegal in most of the United States, if you fail a drug test and find yourself waiting around for an offer that never surfaces, well, there’s probably not much you can do about that.

If you feel confident about breezing through the criminal check portion as well as the drug test, but are concerned about the repercussions of bad credit history, there’re a couple of things to keep in mind. For example, the purpose of this part: A prospective employer’s looking to hire a responsible person, so if it finds that you have messed up credit and insane debt, it might decide that you’re not fit for the job, even if the position in question isn’t directly related to money management. Fair? Not always. But something that you’re judged on? Unfortunately yes.
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | UncontestedDocuments.com
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | 801 E Douglas, 2nd Fl
UNCONTESTED DOCUMENTS

Expungement $99
*Till Black Friday 70% Off
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | UncontestedDocuments.com
UNCONTESTED DOCUMENTS

Expungement Package | Income Based Fee $140-349

Misdemeanor & Felony Expungement
– Record Sealing: Everything you need to know

Being a convicted felon or ex-offender is a label that most will have to live with for the rest of their lives, or so you may think. We all know the difficulty first hand that faces felons when applying for a job, finding felon friendly housing or applying for a loan. Wouldnt it be nice if paying your debt to society was enough without having to have a criminal record follow you through your entire life even though you have changed. Well there is a solution for SOME convicted/ex felons, felony expungement and/or felony record sealing.

What is felony expungement and record sealing?

Depending on the state that you live in you may have the option to have your criminal record either expunged or sealed. In the end it really does not matter if your record is either expunged or sealed to most people. The only advantage to an expungement is that it opens the door to certain government jobs.

Misdemeanor/Felony Record Sealing

When a record is sealed it will not be accessible to most people or entities. Depending on the state that you live in it may be possible for law enforcement officers to see your sealed record, judges or other government personnel. The great thing though that your sealed record will not show up during a employment background check, apartment/housing rental checks and other non government investigations. In addition to the general public not being able to access or see that you have had a felony/felonies conviction you can legally claim or state that you do not have a criminal background or have ever been convicted of a felony or misdemeanor. The record will always exist but would have to be unsealed by a judge in order to be seen.

Misdemeanor/Felony Expungement

When a Misdemeanor or felony conviction is expunged it is literally wiped from from existence and does not exist anymore. You will be able to legally state that you have never been convicted of any crime and nobody will ever know that you were ever convicted of anything.

Who can have a misdemeanor or felony expunged or sealed?

Most first time offenders can have a felony expunged or sealed but your chances of this happening are much greater or will happen if you have:

* Completed all court orders including but not limited to; prison sentence, probation, fines or reparations.
* You’re not a repeat offender.
* Have not been arrested or convicted since your release from prison and/or probation.
* Your original conviction was non violent or a sex crime although this varies by state.
* You have furthered yourself through education and/or working.
* Time passed since conviction.

Judges want to see you doing everything possible to further yourself while staying clean and out of trouble. Many felons can get a us vs. them mentality which will do you no good although many people can relate to it. Remember judges have to make a decisions based off of facts presented to them and can not act on what they feel in their heart. This is why it is so important to stay out of trouble and to further yourself in the best ways possible. As we always say here at Help For Felons attitude is 90% of the battle!

How does the felony expungement process work and what are the steps that follow?

This is not meant to be legal advice but more of an overview of how the expungement process will work. It is very important that you have a good lawyer with experience in expunging and sealing records. We all know that lawyers are expensive but this is something you want done right the first time.

The first step is to make sure that you are eligible to have your felony or misdemeanor conviction expunged. Each of the 50 states have their own laws and procedures on how this is determined. Remember that staying out of trouble will give you the best chance at being eligible.
After you are determined to be eligible you will then submit a petition to the appropriate court. The petition is simply a legal statement telling the court that you want to have your record expunged or sealed. It is very important that the petition be 100% accurate and correct to avoid issues and delays.
After the court files your paperwork a hearing will be scheduled and you will be then notified of the time and date of the hearing. Not every state will require a hearing but the majority do.
The decision will solely be made by the judge as to whether your record will be expunged/sealed or not. Your attorney will present the reasons why your criminal record should be cleared and what steps you have taken to turn your life around.

Source of Article: http://www.helpforfelons.org/felony-expungement-sealing/
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
I'm happy, I called Uncontested Documents! Got a new financial start! Hurry, you can too, call them at 316.312.4748!
1
Casey Puckett's profile photo
 
I'm happy, I called Uncontested Documents! Got a new financial start! Hurry, you can too, call them at 316.312.4748!
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | UncontestedDocuments.com

$284 Bankruptcy | Get Fresh Start

Ends on 1/20 | 10 Days Only
- 60% Off Coupon
Start $100 Down - HELPING YOU CALL TODAY & BEGINNING

Also: $179 Divorce | $139 Expungement
(Present Coupon Only)
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
X M A S G I F T C E R T I F I C A T E S
70 % Off Savings Event | Only 10 Days
Bankruptcy | Divorce | Expungement

Bills behind? Garnishment? Lawsuit?

Chapter 7 Bankruptcy Individual​ filer
Yes! $217 End Dec 31st ** Reg 709.00 70% Off

Relationship brings all sadness, bad days.

Kansas Simple Divorce (Add 150 Children) Yes! $134 End Dec 31st ** Reg 449.00 70% Off

Stopped w/ crimes? Get clean background

Felony or Misdemeanor Expungement
Yes! $104 End Dec 31st Reg 349.00 70% Off

Beginning Monday, on 9 am on 12/20 - for Ten Days Only- Uncontested Documents Team is starting:

'Wichita's 1st 70% Off 10 Day Gift UNCONTESTED DOCUMENTS Annual Giveback For our Great Year! Thank You for our Successful First 5 Years Wichita'.

These Packages are designed by our court systems for self filers and include free information that is published articles by experts or the court of jurisdiction to finalize your requests and obtain your court order.

We offer these successful packages for professional document preparation services only for payment, 1200 families helped to date. We print them by laser printer with your detailed information and asse.bly them for signature ready processing. We imply no legal counseling or attorney representation service's. Call for more information.

UNCONTESTED DOCUMENTS
801 E Douglas, 2nd Floor
www.UncotestedDocuments.com
316-312-4748 Office Number
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
We accept payments, call for more details.
Questions? More information at www.UncontestedDocuments.com

Bankruptcy Chapter 7 | Kansas Residents Single Filer
$283 - 709

Divorce | w/o Minor Children Sedgwick County
$179 - 449

Expungement | All Counties Kansas & City of Wichita Misdemeanors
$149 - 349

316.312.4748 | 801 E Douglas, 2nd Fl
UNCONTESTED DOCUMENTS 
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | 801 E Douglas, 2nd Fl
UNCONTESTED DOCUMENTS

Bankruptcy $249
*Till Black Friday 65% Off
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | www.UncontestedDocuments.com
Uncontested Documents

Comment or Suggestion? @ | Facebook . Google + . Twitter

DISCLAIMER: The information provided by our company is not legal advice, but general information on legal issues commonly encountered. Uncontested Documents is not a law firm or a attorney and is not a substitute for an attorney or law firm. Communications between you and Uncontested Documents are protected by our Privacy Policy, but are not protected by the attorney-client privilege or work product doctrine. Uncontested Documents cannot provide legal advice and can only provide self-help services at your specific direction. 
1
Add a comment...

Casey Puckett

Shared publicly  - 
 
316.312.4748 | UncontestedDocuments.com
Bankruptcy Ch 7 Income Based $283 - $709
1
Add a comment...
Basic Information
Other names
Uncontested Documents
Story
Tagline
"Committed to providing a professional, cost-effective self-help document for our neighbor." At 3014 E Harry, Wichita, Kansas 67211 (316) 312-4748 Direct Line Office Open 9 am - 5 pm - Mon-Fri
Introduction

"The court should be a place where anybody can come - whatever they have in their pocket - and be able to file a complaint in simple fashion and at least have somebody give consideration to it and give them an opportunity to be heard."
-- Thomas T. Curtin, Judge, U.S. District Court -- New York Times (7 Oct 1971)

Nearly everyone needs to create a legal document at some point in time and most people know the basics of what they want to accomplish but correctly creating a completed "do-it-yourself" legal document can be a daunting task for many. Such as, where should certain items or words be placed in the document? Are certain pieces of information really required? Does the court have specific requirements that need to be followed? How should the document be formatted? What do I do with the documents once they are finished ... on and on.

Uncontested Documents can help eliminate these concerns by assisting you in creating the finished legal documents you need using your detailed specific information you provide to us. With our easy-to-use ready package and our ability we will help you complete and output the legal documents you require quickly and professionally. With us, you can skip the frustration of trying to figure out how to do it yourself and eliminate the fear of making a mistake. Uncontested Documents process is simple, affordable and efficient.

Packages Available Are ...

U.S. Bankruptcy Chapter 7 $399.99 w/spouse $449.99 

Criminal Record Expungement $249.99 1st & then $99.99 2nd and on

Last Will $169.00

Kansas State Divorce Package $349.99 and with children $399.99

Kansas State Name Change $169.00

Business Incorporation & Federal EIN Application $129.00

Wichita Small Claims Law Suit $69.00 w/garnishment $145.00

Links
Contributor to