James T. Anest: Your Bankruptcy Attorney in Aurora, CO

Facing bankruptcy is a scary and overwhelming situation. But sometimes there are circumstances that are beyond your control, and bankruptcy is the only option left. The good news is that you don’t have to face this daunting predicament alone. James T. Anest is your experienced and trusted bankruptcy attorney in Aurora, CO.

He can help you answer some of the more difficult questions regarding bankruptcy such as: Do I qualify for bankruptcy? Will everyone know that I went bankrupt? Will I ever be able to buy a house after bankruptcy? With over thirty-one years of legal practice, James T. Anest will compassionately and confidently guide you through the process of filing for bankruptcy, including answering any questions you might have about the process. He will expertly guide you through everything from the initial filing to setting up payments to your creditors.

You don’t have to go it alone. If your creditors are becoming overwhelming and you have nowhere else to turn, call James T. Anest today for a free consultation. Let your experienced and dependable bankruptcy attorney in Aurora, CO sit down with you and explain to you your options. Don’t wait another day. Call James T. Anest for your free consultation.

Being Accused of a Crime? Call James T. Anest, Your Aurora Criminal Defense Attorney

Being accused of a crime or the subject of an investigation can be a terrifying experience. The repercussions of a conviction can have far-reaching effects in your life, destroying employment and maybe even relationships. It’s important that you get a legal team behind you as fast as possible in order to minimize the negative effects of an investigation or accusation. James T. Anest and team will be your aggressive Aurora criminal defense attorney.

James T. Anest is experienced in defending against most kinds of criminal charges. From DUI to domestic violence, from drug related charges to sexual assault, James T. Anest will aggressively defend you, informing you of all your rights along the way. His team will devise a defense strategy that will focus on your future and what is best for you in the long-run.

James T. Anest believes that a great defense strategy comes from a great relationship between the defendant and their attorney, and he is committed to building that strong relationship. It is for this reason that he has made his firm available twenty-four hours a day, seven days a week. Any time of day or night, call James T. Anest, your Aurora criminal defense attorney, for a free consultation. Every second is precious, so call today!

Facing Medical Bankruptcy: Contact a Bankruptcy Attorney Castle Rock

Bankruptcy Attorney Castle Rock

bankruptcy attorney castle rockMedical bankruptcy is the topmost reason why consumers or almost 55 % of American citizens are filing for bankruptcy. If you are faced with such a situation, you are in dire need of a bankruptcy attorney Castle rock, to guide you through the process.

Medical bankruptcy is the easiest way to get discharged from medical debts. These debts may have been incurred by way of expenses relating to treatments, nursing care, physiotherapy procedures or as cost of medications.

Why Do Americans File for Medical Bankruptcy?

There are numerous reasons that force American citizens to file for medical bankruptcy. The topmost reason is the soaring cost of medical care. Harvard University recently conducted a survey to study the trends of medical bankruptcy and came to the following conclusions. While more than 75 % of the Americans who had filed for medical bankruptcy did have medical insurance, they were not protected by the insurance cover. There are many laws that permit these Insurance companies to deny coverage using various excuses. Also the cost of buying medical insurance s also quite high and proves to be unaffordable for many.

Why Do You Need the Services of a Bankruptcy Attorney Castle Rock?

Medical bankruptcy can be a very tricky affair because the debts incurred under this category have no collaterals, unlike the other debts. So when you fail to pay up the medical debts, the insurance company may tie up the debts to collaterals and start garnishing your wages or even claim a share in the equity of your house. But all these mishaps can be averted if you consult an expert bankruptcy attorney castle rock, because he/ she is in a position to advice you regarding the legal procedure to be taken in such a situation. Filing for bankruptcy is a good option but you will need to consult an attorney for more details.

Bankruptcy Laws, Good or Bad?

The changes to bankruptcy law in 2005 may be making it harder for some people to file bankruptcy. A few filers with higher incomes will no longer allowed to use Chapter 7 bankruptcy, but will instead have to repay at least some of their debt under Chapter 13. In addition, the 2005 law requires all debtors to get credit counseling before they can file a bankruptcy case — and additional counseling on budgeting and debt management before their debts can be wiped out.

Here are some of the most important changes in the 2005 bankruptcy law:

Restricted Eligibility for Chapter 7 Bankruptcy
Under the old rules, most filers could choose the type of bankruptcy that seemed best for them — and most chose Chapter 7 bankruptcy (liquidation) over Chapter 13 bankruptcy (repayment). The law passed in 2005 prohibits some filers with higher incomes from using Chapter 7 bankruptcy.
How High is Your Income?
Under the rules enacted in 2005, the first step in figuring out whether you can file for Chapter 7 bankruptcy is to measure your “current monthly income” against the median income for a household of your size in your state. If your income is less than or equal to the median, you can file for Chapter 7 bankruptcy. If it is more than the median, however, you must pass “the means test” — another requirement of the new law — in order to file for Chapter 7.
The Means Test
The purpose of the means test is to figure out whether you have enough disposable income, after subtracting certain allowed expenses and required debt payments, to make payments on a Chapter 13 plan. To find out whether you pass the means test, you subtract certain allowed expenses and debt payments from your current monthly income. If the income that’s left over after these calculations is below a certain amount, you can file for Chapter 7.
If you’re looking for an easy way to determine your eligibility under the means test, use our online means test calculator, created by the applicable income and expense standards for your state, county, and region to determine your eligibility.

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