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Chapter 7 bankruptcy - The Bankruptcy Means Test
Court Feed News |
2020/11/18 12:07
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The means test makes it so that not everyone can simply file for bankruptcy and wipe out their debts. Those with a high amount of disposable income do not qualify. You will need to determine how your household income compares to the median in your state. If it is less, then you automatically qualify. If it is above the median, then you need to calculate your disposable income, which can get complicated.
When we calculate the means test, the formula allows certain amounts of expenses, and then the test calculates how much money you have left over. If it is higher than a certain amount, then you fail the means test. But, when we complete the means test, there are many items which vary for each person. We will use our experience to give you the best possible result to see if you qualify. It’s not simply plugging in a few numbers.
However, even if you do not qualify for Chapter 7 bankruptcy, you may still qualify for Chapter 13 bankruptcy, and the means test will determine how much of your debt you are required to pay back.
Chapter 7 for Individuals/
Chapter 7 bankruptcy is a good option for consumers who simply have too much debt and can not keep up with payments. They may have lost their job or come across unexpected expenses, such as medical bills or car repairs. If you take the means test and your income is below the median, then you qualify for Chapter 7 bankruptcy. If you want a fresh start, but do not have a regular income, Chapter 7 can wipe out the majority of your debts.
In this type of bankruptcy, we will consult with you to see what you own, and who you owe. We will then review your entire situation so that you know exactly what we expect will happen. In most cases, people can keep their house, car, and other household goods, and eliminate their unsecured debts.
A Trustee is assigned to review your case to see if you own more than you can protect. If you own more than what you are allowed to protect, the trustee may sell your assets, and use the proceeds to pay your debts. This happens in a very small number of cases.
Chapter 7 bankruptcy will wipe out unsecured debts such as credit card bills and medical bills. You are still on the hook for certain debts, such as tax debt, child support, alimony, and student loan debt. For student loan debt, you might be able to discharge that debt if you can prove that you have a permanent injury or illness that will prevent you from paying back your student loan debt. (Called the “Bruner” or “undue hardship” standard) Any attempt to discharge student loans are done in a separate and very difficult court proceeding.
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Court weighs challenge to Colorado discrimination law
Lawyer Blog News |
2020/11/17 08:52
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A Colorado web designer should not have to create wedding websites for same-sex couples under the state's anti-discrimination law because it would amount to forced speech that violates her religious beliefs, a lawyer told an appeals court Monday.
Kristen Waggoner, a lawyer for Alliance Defending Freedom, told a three-judge panel of the 10th U.S. Circuit Court of Appeals in Denver that the issue for designer Lorie Smith, who is a Christian, is the message and not the customer.
“No one should be forced to express a message that violates their convictions,” Waggoner said during the virtual hearing. She is trying to revive a lawsuit challenging the state’s law, which her group also targeted on behalf of Colorado baker Jack Phillips in a case decided in 2018 by the U.S. Supreme Court.
The high court decided the Colorado Civil Rights Commission had acted with anti-religious bias against Phillips after he refused to bake a cake for two men who were getting married. But it did not rule on the larger issue of whether a business can invoke religious objections to refuse service to LGBT people.
On Monday, Chief Judge Timothy Tymkovich asked what Smith would do if she was approached by a straight wedding planner asking her to create four heterosexual wedding sites and one for a same-sex wedding. Waggoner said Smith would not take that job.
Colorado Solicitor General Eric Olson questioned whether Smith should even be allowed to challenge the law since she has not started offering wedding websites yet.
But if she did, he said her argument would mean she would refuse to create a website for a hypothetical same-sex couple named Alex and Taylor but agree to make the same one for an opposite sex couple with the same names. He said that would be discrimination under the Colorado Anti-Discrimination Act, which prohibits discrimination on the basis of sexual orientation. |
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Justice Alito: COVID restrictions ‘previously unimaginable’
Lawyer Blog News |
2020/11/15 16:52
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Supreme Court Justice Samuel Alito sounded an alarm about restrictions imposed because of the coronavirus pandemic, saying they shouldn’t become a “recurring feature after the pandemic has passed.”
“The pandemic has resulted in previously unimaginable restrictions on individual liberty,” Alito said in an address Thursday to the conservative Federalist Society, which is holding its annual convention virtually because of the pandemic.
Alito noted that he was “not diminishing the severity of the virus’ threat to public health” or saying anything about “whether any of these restrictions represent good public policy.” He cautioned against his words being “twisted or misunderstood.”
But he said it is an “indisputable statement of fact” that “we have never before seen restrictions as severe, extensive and prolonged as those experienced for most of 2020.”
“Whatever one may think about the COVID restrictions, we surely don’t want them to become a recurring feature after the pandemic has passed,” said Alito, who was nominated to the court by President George W. Bush.
Alito was particularly critical of two cases earlier this year where the court sided with states that, citing the coronavirus pandemic, imposed restrictions on the size of religious gatherings. In both cases, the court divided 5-4 in allowing those restrictions to continue with Chief Justice John Roberts siding with the court’s liberals.
In May, the high court rejected an emergency appeal by a California church challenging attendance limits at worship services. The justices turned away a similar challenge by a Nevada church in July. Alito said in both cases the restrictions had “blatantly discriminated against houses of worship” and he warned that “religious liberty is in danger of becoming a second-class right.”
Both cases came to the court before the death in September of Justice Ruth Bader Ginsburg. The liberal justice’s replacement by conservative Justice Amy Coney Barrett could change how the court might come out on similar cases in the future. Currently before the court is a case involving the Catholic church and limits on in-person services in New York. |
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GOP tries again to get high court to ax health care law
Class Action News |
2020/11/10 18:50
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A week after the 2020 election, Republican elected officials and the Trump administration are advancing their latest arguments to get rid of the Affordable Care Act, a long-held GOP goal that has repeatedly failed in Congress and the courts. In arguments scheduled for Tuesday, the Supreme Court will hear its third major fight over the 10-year-old law, popularly known as “Obamacare.” Republican attorneys general in 18 states and the administration want the whole law to be struck down, which would threaten coverage for more than 23 million people.
It would wipe away protections for people with preexisting medical conditions, subsidized insurance premiums that make coverage affordable for millions of Americans and an expansion of the Medicaid program that is available to low-income people in most states. California is leading a group of Democratic-controlled states that is urging the court to leave the law in place.
The case comes to a court that now has three justices appointed by President Donald Trump: Neil Gorsuch, Brett Kavanaugh and Amy Coney Barrett, who joined the court late last month following her hurried nomination and confirmation to replace the late Justice Ruth Bader Ginsburg. The three Trump appointees have never ruled on the substance of the health care law. Barrett, though, has been critical of the court’s earlier major health care decisions sustaining the law, both written by Chief Justice John Roberts.
The Supreme Court could have heard the case before the election, but set arguments for a week after. The timing could add a wrinkle to the case since President-elect Joe Biden strongly supports the health care law.
The case turns on a change made by the Republican-controlled Congress in 2017 that reduced the penalty for not having health insurance to zero. Without the penalty, the law’s mandate to have health insurance is unconstitutional, the GOP-led states argue.
If the mandate goes, they say, the rest of the law should go with it because the mandate was central to the law’s passage. But enrollment in the law’s insurance markets stayed relatively stable at more than 11 million people, even after the effective date of the penalty’s elimination in 2019. According to the nonpartisan Kaiser Family Foundation, enrollment dropped by about 300,000 people from 2018 to 2019. Kaiser estimates 11.4 million people have coverage this year.
Another 12 million people have coverage through the law’s Medicaid expansion. The legal argument could well turn on the legal doctrine of severability, the idea that the court can excise a problematic provision from a law and allow the rest of it to remain in force. The justices have done just that in other rulings in recent years.
But in the first big ACA case in 2012, Justices Samuel Alito and Clarence Thomas voted to strike down the whole law. Roberts and Justices Stephen Breyer, Elena Kagan and Sonia Sotomayor have voted to uphold it. A limited ruling would have little real-world consequences. The case could also be rendered irrelevant if the new Congress were to restore a modest penalty for not buying health insurance. A decision is expected by late spring.
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With counting winding down, Trump team pushes legal fights
Business Law Info |
2020/11/06 20:04
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Judges in Georgia and Michigan quickly dismissed Trump campaign lawsuits Thursday, undercutting a campaign legal strategy to attack the integrity of the voting process in states where the result could mean President Donald Trump’s defeat.
The rulings came as Democrat Joe Biden inched closer to the 270 Electoral College votes needed to win the White House, and Trump and his campaign promised even more legal action based on unsubstantiated allegations of voter fraud.
Speaking in the White House briefing room Thursday, the president launched into a litany of claims, without proof, about how Democrats were trying to unfairly deprive him of a second term. “But we think there’ll be a lot of litigation because we can’t have an election stolen like this,” Trump said.
Earlier Thursday, a Biden campaign lawyer called the lawsuits meritless, more political strategy than legal.
“I want to emphasize that for their purposes these lawsuits don’t have to have merit. That’s not the purpose. ... It is to create an opportunity for them to message falsely about what’s taking place in the electoral process,” lawyer Bob Bauer said, accusing the Trump campaign of “continually alleging irregularities, failures of the system and fraud without any basis.”
Trump is used to suing and being sued. A USA Today analysis found that he and his businesses were involved in at least 3,500 state and federal court actions in the three decades before he became president. In this election, the court battles so far have been small-scale efforts to get a closer look at local elections officials as they process absentee ballots. A Michigan judge noted that the state’s ballot count is over as she tossed the campaign’s lawsuit.
In Georgia, a state judge dismissed a case over concerns about 53 absentee ballots in Chatham County after elections officials in the Savannah-area county testified that all of those ballots had been received on time. Campaign officials said earlier they were considering similar challenges in a dozen other counties around the state. In Pennsylvania, meanwhile, the Trump campaign won an appellate ruling to get party and campaign observers closer to election workers who are processing mail-in ballots in Philadelphia. |
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Legal armies ready if cloudy election outcome heads to court
Business Law Info |
2020/11/02 20:44
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Signature matches. Late-arriving absentee votes. Drop boxes. Secrecy envelopes. Democratic and Republican lawyers already have gone to court over these issues in the run-up to Tuesday’s election. But the legal fights could take on new urgency, not to mention added vitriol, if a narrow margin in a battleground state is the difference between another four years for President Donald Trump or a Joe Biden administration.
Both sides say they’re ready, with thousands of lawyers on standby to march into court to make sure ballots get counted, or excluded. Since the 2000 presidential election, which was ultimately decided by the Supreme Court, both parties have enlisted legal teams to prepare for the unlikely event that voting wouldn’t settle the contest. But this year, there is a near presumption that legal fights will ensue and that only a definitive outcome is likely to forestall them.
The candidates and parties have enlisted prominent lawyers with ties to Democratic and Republican administrations. A Pennsylvania case at the Supreme Court pits Donald Verrilli, who was President Barack Obama’s top Supreme Court lawyer, against John Gore, a onetime high-ranking Trump Justice Department official.
It’s impossible to know where, or even if, a problem affecting the ultimate result will arise. But existing lawsuits in Pennsylvania, North Carolina, Minnesota and Nevada offer some hint of the states most likely to be ground zero in a post-election battle and the kinds of issues that could tie the outcome in knots.
Roughly 300 lawsuits already have been filed over the election in dozens of states across the country, many involving changes to normal procedures because of the coronavirus pandemic, which has killed more than 230,000 people in the U.S. and sickened more than 9 million.
Most of the potential legal challenges are likely to stem from the huge increase in absentee balloting brought on by the coronavirus pandemic. In Pennsylvania, elections officials won’t start processing those ballots until Election Day, and some counties have said they won’t begin counting those votes until the following day. Mailed ballots that don’t come inside a secrecy envelope have to be discarded, under a state Supreme Court ruling.
“I still can’t figure how counting and verifying absentee ballots is going to go in some of the battleground states like Pennsylvania,” said Ohio State University law professor Edward Foley, an election law expert.
The deadline for receiving and counting absentee ballots is Friday, an extension ordered by the Pennsylvania’s top court. The Supreme Court left that order in place in response to a Republican effort to block it. But several conservative justices indicated they’d be open to taking the issue up after the election, especially if those late-arriving ballots could mean the difference in the state. |
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