Now Offering [subject to Fresh Start Funding qualification criteria] Zero Down for Chapter 7 Consumer Bankruptcies

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Bankruptcy

IRS Levies?  The best choice of someone to get the IRS to drop or limit its levy is David W. Freese

Unfiled Returns?  David W. Freese can prepare any prior year federal return.

IRS Audit and/or IRS Summons?  David W. Freese can provide the representation that you need!

Discharge of Taxes in Bankruptcy?  David W. Freese can obtain records from the IRS that will determine whether your taxes are Dischargeable in Bankruptcy.

Will a Bankruptcy Stop the Internal Revenue Service?

Yes, in almost every case!

11 U.S.C. §362 is known as the Automatic Stay. Upon filing a bankruptcy petition the Automatic Stay arises [goes into effect] by operation of law, that is, automatically. It does not require a judge’s signature or any decision by the Bankruptcy Court. And the Automatic Stay applies to the Internal Revenue Service!

Will Filing a Bankruptcy Petition enable me to get my Driver’s License back?

Yes1

If your Driver’s License has been suspended because of an automobile accident and the State of Washington is requiring a SR22 insurance policy, a bankruptcy filing will eliminate the SR22 insurance requirement2.

If your Driver’s License has been suspended because of unpaid traffic tickets a Chapter 13 [Wage Earner] bankruptcy petition will enable you to obtain your Driver’s License while the traffic tickets are schedule for payment via the Chapter 13 process.


 In almost every case. There are exceptions if you have had prior bankruptcy petitions in the preceding year.

 This does not eliminate your duty to have insurance. It does mean that the State cannot require you to show proof of insurance prior to issuance of a Driver’s License.


I have a pending Driving While License Suspended charge in court. Can you help?

Yes

Attorney Lois Freese [33 years experience] handles many, many traffic and misdemeanor cases, including Driving While License Suspended. This is something you should not handle yourself. You need an experienced and skilled traffic and criminal defense attorney. You need Lois A. Freese to represent you.


Can a Bankruptcy Petition stop the foreclosure sale of my house?

Yes1

11 U.S.C. §362 is known as the Automatic Stay. Upon filing a bankruptcy petition the Automatic Stay arises [goes into effect] by operation of law, that is, automatically. It does not require a judge’s signature or any decision by the Bankruptcy Court. And the Automatic Stay applies to the foreclosing bank!


 In almost every case. There are exceptions if you have had prior bankruptcy petitions in the preceding year.


If I file a Chapter 13 [Wage Earner] Bankruptcy Petition will I have to pay all that I owe in full?

Probably Not

A Chapter 13 is a payback chapter. It has the advantage of having the broadest discharge of any of the chapters in the Bankruptcy Code.

In all chapters of the Bankruptcy Code, claims are classified. There are Secured Claims and Unsecured Claims. Generally, if you wish to keep the collateral securing a claim, our must pay the claim according to the terms of the contract.

Unsecured Claims are further classified into Priority and General Unsecured claims. Priority Claims must be paid in full, but without further interest [from the Petition Date]. Unsecured General claims [those Unsecured Claims not entitled to Priority] may be paid at zero cents on the dollar, that is, nothing at all1.

All delinquency penalties under the Internal Revenue Code cease further accruals upon the filing of a Bankruptcy Petition.


 The actual percentage is a complex formula based on your disposable income and the amount of nonexempt [from the Bankruptcy Trustee] assets.