BUYER CLOSING SERVICES
Closing services provided to a buyer for purchase of a property include:
- Drafting/reviewing of the contract for purchase
- Explanation of the contract along with timing and possession issues
- Negotiation of repair issues that may be indicated by home inspection
- Examination of the title commitment and survey to ensure there are no encroachments and that title is marketable/merchantable
- Monitoring of deadlines
- Explanation of contract contingencies
- Attendance and deal facilitation at closing
- Comparison of loan agreement with loan documents at closing
- Negotiation of any last minute disputes (if any)
SELLER CLOSING SERVICES
Closing services provided to a seller for sale of a property include:
- Reviewing of the signed contract
- Handling of buyer's earnest money in escrow
- Reviewing of the tax prorations to ensure they are fair
- Explanation and reviewing of penalties for default
- Ordering of title insurance
- Ordering of land survey (if required by contract)
- Handling of municipal requirements including but not limited to inspections, transfer stamps, and water/sewer tests
- Preparation of documents required for title transfer including but not limited to deed, bill of sale, affidavit of title, ALTA statement, and closing statement
- Attendance at closing along with negotiation of any last minute disputes
CHAPTER 7 BANKRUPTCY
Chapter 7 bankruptcy is a liquidation proceeding. In this proceeding, a trustee is appointed to administer the debtor's case. Any non-exempt property is turned over to the trustee who liquidates it for distribution to the creditors. A debtor typically receives a discharge of all dischargeable debts within four months.
In the overwhelming majority of cases, the debtor has no assets that they would lose -- this means Chapter 7 would give the debtor a relatively quick fresh start. Typical debts which are discharged include credit cards, medical bills, utilities, unsecured judgments, repossession's, personal loans, payday loans. Typical debts which are not discharged include, child support, student loans, tickets and most taxes. Debtor's must continue making payments on secured debts they are keeping such as house and car. CLICK HERE FOR CHAPTER 7 SPECIAL OFFER
CHAPTER 13 BANKRUPTCY
Chapter 13 bankruptcy is what is also known as reorganization bankruptcy. Chapter 13 bankruptcy is filed by individuals who want to pay off their debts over a period of three to five years. A chapter 13 can be filed if you are behind on your mortgage or car loan, and want to make up the missed payments over time and reinstate the original agreement.
A chapter 13 can be filed for individuals who make too much to qualify for chapter 7 or are ineligible for chapter 7 because of a previous filing. Chapter 13 proceedings take place over three to five years and as a result are more expensive than a Chapter 7 case. Please call our office for further details.
FDCPA ViolationsThere are many protections that the Fair Debt Collection Practices Act (FDCPA) provides to debtors. If a debt collector has harassed or misled you or your friends and family, they may be in violation of the Fair Debt Collection Practices Act. A violation by a debt collector, regardless of whether you owe the debt, entitles you to up to $1,000. Additionally, the collector will be required under the Act to pay attorney fees and costs for representing you. If you are a victim of unfair debt collection practices, be sure to call our office for a free consultation. We will evaluate your situation and if we agree to take your case on contingency, you will not pay us anything unless we recover money for you.
Social Security (SSI/SSDI) ClaimsApplying for Social Security benefits is not a simple process and can be confusing for the applicant. Statistics show that initial claims have a denial rate of approximately 65-70 percent.
Don't let that scare you however; our law firm is here to help! For SSI/SSDI cases, we work on a contingency fee basis. This means you will not pay us anything unless we recover money for you. Attorneys' fees are regulated by Federal law in Social Security disability cases. For this reason, nearly all disability lawyers work on the same fee basis. The lawyer's fee is 25% of the past due disability benefits you get, up to the statutory maximum. There is absolutely no fee if you lose.
Small Business LawSmall business services we offer include the following:
CONTRACT REVIEW AND DRAFTING
Including vendor contracts, leases, noncompetition and nondisclosure agreements, franchise agreements, licensing agreements, etc.
Including retaining or terminating employees, drafting employee handbooks, employment agreements, and independent contractor issues
ENTITY SELECTION AND FORMATION
Determining the appropriate legal structure (e.g. LLCs, corporations, partnerships), drafting owners’ agreements, and assisting with regulatory compliance and permitting issues
Including copyright and trademark creation and protection