Chapter 13 May Save Your Home

If you’re facing foreclosure on your home you might consider filing Chapter 13 bankruptcy in an attempt to save it. Chapter 13 proposes a payment plan for the relief of your debt which could include a provision for delinquent mortgage installments.

First of all there is the automatic stay factor that applies to the bankruptcy. Once you file, all collection attempts will be stopped immediately. This legal action will postpone any pending foreclosure sale as well, giving you more time to come up with the mortgage payments that you have fallen behind on. However, you must be able to make current mortgage payments while you are making up the ones that you have missed.

The foreclosure process is a comparatively slow one which gives the defaulter the advantage of time to come up with a way to save his home. The lender or mortgage holder will usually wait until the borrower has missed at least two or three payments before filing an official “notice of default.” Then the borrower will have three months to repay the debt that he owes. After that the lender will post a “notice of sale” on the property and send a copy to the borrower. It will inform interested parties about the details of the upcoming sale including where and when it is scheduled to take place. The notice will also be published in the local newspapers.

Even though a bankruptcy may leave a permanent smudge on your record it could be better than a default or foreclosure and a definite alternative to losing the home that means so much to you.

Be sure to talk to a bankruptcy attorney before deciding to file. Find one who has had experience with cases similar to your own and ask about the risks and benefits that may apply. Being able to weigh the pros and cons will put you in a better position to make the best decision.

Depend on the expertise of the associates of the Parker Lawyers firm to guide you through the intricacies of bankruptcy law. Call 303-841-9525 to arrange a personal consultation.

Summer Can Increase Risk For Trouble

Spring is here and summer is soon to follow. Your teenager will be out of school and have more free time on his hands which may make him more vulnerable. Hopefully the worst case scenario will never happen but it doesn’t hurt to be armed with information about what to do if you should get a call from the local authorities informing you that your teenager has been detained.

First of all don’t make the mistake of thinking that the police are sympathetic to your feelings at this point. Their only job is to investigate the complaint and decide on a course of action. At the same time, you shouldn’t assume that your “little darling” is completely innocent of any wrongdoing. Never say never!

If your teenager happens to be in the wrong place at the wrong time – say a party that has gotten out of hand – make sure that he knows how to handle himself if he is questioned by the police officers who were called to the scene. He should know of course to keep his cool and be respectful and cooperative. Trying to run away or hide his identity will only make the officer’s job harder which will in no way help the situation.

Your teen should be aware of some basic rights just incase questions start to get too specific or answers could be at all incriminating. Anytime he feels that he is being officially interrogated he should tell the officer in charge that he would prefer to wait for a parent to be called.

When you do get that call is exactly when you should make another call – to your lawyer. Some jurisdictions do not entitle parents to be present while their child is being questioned but everyone has the right to an attorney.

Parker Lawyers is a firm of experienced attorneys familiar with every facet of the court system. Call on them for any of your legal needs @ 303-841-9525 in Parker.

A Felony Conviction Carries Serious Repercussions

Vehicular assault is a felony crime in the state of Colorado even if there was no implication of intent. The charge applies to the driver of any type of motor vehicle who has caused serious injury to another person due to reckless driving or driving under the influence of drugs or alcohol.

A defendant who is found guilty of vehicular assault will automatically lose his license to operate a motor vehicle and will most likely will be facing a prison sentence. Obviously this is a serious charge that can only be defended by an attorney experienced in the intricacies of the laws that apply.

The initial meeting with your attorney will be to discuss the circumstances of your case and determine if there is any possibility that the charge could be dropped. He will look into the investigations that the prosecution has conducted to see if there were any mistakes made or details overlooked. Then he will start his own investigation which will include taking statements from witnesses to the accident, talking to expert medical consultants and taking pictures of the site.

If the evidence against you seems relevant enough to proceed to trial your attorney will prepare arguments to present in your defense. He will challenge the validity of the evidence that the prosecution brings to court and contend that it is not sufficient to prove guilt without reasonable doubt.

A vehicular assault case has long reaching effects for the accused as well as the injured party and their families. One poor judgement call can result in years of suffering and loss for all concerned. A person who has been convicted of a felony in a court of law will forever be haunted by the decision. His criminal record may affect his future chances for employment or his efforts to rent an apartment. He may even lose his right to vote.

Because the consequences can be so life altering having an accomplished defense attorney in your corner can give you a much better chance for leniency. Call Parker Lawyers @ 303-841-9525 to arrange consultation.

Get Experienced Advice About Probate

If a person dies after having made their last wishes known by leaving a will they are said to have died “testate.” Legally however, the will must undergo the process of probate before it is officially recognized as being valid.

One of the objectives of the probate process is to make sure that the will is administered properly. The law requires that all debts and unpaid taxes be reconciled before any assets can be distributed to the heirs mentioned in the will.

Probate is conducted in a state court of law. The executor of the estate in question will be required to take an “oath of office” before he can legally proceed as the personal representative of the deceased. Once he has been declared so and received his “letters of administration” documentation the executor can then file the petition and the probate process can begin.

Some state laws demand that the details of a will in probate be made public knowledge so that any creditors or disputers have the opportunity to come forward with their challenges. Publicizing the will is also a means of informing the heirs of the death and the fact that the will is being processed.

The next step in the process is to inventory the property of the deceased. It will be the responsibility of the executor of the estate to determine that its value can measure up to the stipulations of the will. When drawing up your will your attorney will advise that you provide an up-to-date list of all your assets to be used by your executor specifically for this purpose.

Whether your will is basically evident or especially if it is more complex, you will need the advice and guidance of an estate attorney. If you own property for instance, that is located out of the state’s jurisdiction where you live you will need to go through a separate probate process in the other state.

Contact the firm of Parker Lawyers located in Parker. Co. for experienced counseling in all areas of estate planning. Call the offices @ 303-841-9525.