A qualified immigration attorney will protect your rights whether you wish to become a United States Citizen, obtain a Green Card, or a business, student, or special circumstance visa. The Montefalcon Law Office offers professional representation and legal assistance in all of these situations. Contact us online or schedule a consultation at any of our three conveniently located offices. As the type of visa required for a person wishing to legally enter the United States depends...
Let's get technical for a moment. § 1322(b)(1) of the Bankruptcy Code, Title 11 reads that a Chapter 13 plan of repayment “may modify the right of holders of secured claims, other than a claim secured only by a security interest in real property that is the debtor’s principal residence…” So what does this mean in simpler terms? The terms of a motor vehicle contract, under certain circumstances, may be changed by a Chapter 13 plan....
A person, otherwise known as Chapter 13 debtor, who files a Chapter 13 bankruptcy case may generally retain a motor vehicle. In fact, if current on the loan payments, a debtor may make monthly payments on the loan outside of the Chapter 13 repayment plan. A debtor may also, with the consent of the trustee, continue to make monthly payments on this obligation in the Chapter 13 repayment plan. A bankruptcy debtor that is not current...
Over 5000 persons, on average, are involved in a motor vehicle accident every single day. Motor vehicle accidents start a long, stressful process that may involve physical, emotional, and financial costs. All California motorists are required to have automobile insurance by the law of the State of California. Californians may not drive legally on California roads unless they have auto insurance. There are severe consequences if they are in an auto accident or stopped by a...
A knowledgeable bankruptcy attorney may provide information about your rights as a prospective bankruptcy filer so you may determine whether bankruptcy is the best option available. Then, an experienced bankruptcy attorney like Alberto Montefalcon may file your case and assume the role of primary contact for any creditor communications. Don't let the stigma of filing bankruptcy stop you from taking advantage of the protections provided by the law. Bankruptcy will help relieve financial hardship so...
If you have financial problems, you shouldn't be reluctant to take advantage of the benefits of filing a bankruptcy case. What are the benefits of bankruptcy? It will provide a fresh financial start while relieving a taxing amount of stress and anxiety, allowing a person to return to life as it once was. Bankruptcy stops lawsuits, repossession, garnishment, and foreclosure. Bankruptcy stops any and all contact by creditors. Perhaps even more importantly over the long-term, bankruptcy...
An experienced immigration attorney like Alberto Montefalcon has the expertise and experience to protect individuals with the assertion and protection of their legal rights, whether related to obtaining permanent citizenship or a visa for business or education purposes. Any immigration problem may be solved with his professional assistance and counsel. Whether applying for a B-1 or F-1 visa, the process is complicated and requires the assistance of an attorney with the background of Alberto Montefalcon, who...
Most Americans have some amount of credit card debt. Some have an easier time of paying it than others. Often, people take on a little more than they can handle and, over time, they accumulate tens of thousands of such debt without having the sufficient means to timely service it each and every month. Eventually, late charges and excessive interest may substantially increase the principal balance of each card. At some point, creditors will turn over...
Whether you should file bankruptcy is an important, if not crucial, analysis, Alberto Montefalcon and his experience may be invaluable to anyone who needs to make this determination. An experienced and knowledgeable bankruptcy attorney such as Alberto Montefalcon may assist anyone whose financial situation necessitates the filing of a bankruptcy case. Prospective bankruptcy debtors need someone to provide them with information about their rights, including whether to file a bankruptcy case. Today's blog addresses the...
Federal law in Chapters 7, 11, and 13 of the Bankruptcy Code (Title 11), details the type of bankruptcy relief available in the United States. Today's blog, the last in a series, addresses some questions that you should ask if you are unsure which type of bankruptcy is best for you. Chapter 7 of the Bankruptcy Code regulates the procedure for liquidation under federal bankruptcy law. In contrast to chapter 7, chapters 11 and 13 govern...