Claremont is a city in Los Angeles county. Claremont has the nickname of college town because it hold seven different colleges within its city limits. It has a population within the city of 37,242 and was recently rated fifth on the best places to live in the United States list and first on places in California to live list. There reasons are because of the high median of income, education institutions, and large acreage of scenic property. Even in such a prosperous and educated environment the effects of the economy is seen everywhere even communities like Claremont. Currently economically the United States economy is suffering a financial crisis. We've seen allot of people file for bankruptcy in Claremont and would like the opportunity to speak with you regarding your bankruptcy needs.

Claremont has a large amount of defaulted loans, bankruptcies, and foreclosures on homes. In such troubling times when everyone is affected rebuilding your life after a bad economy, decisions, or luck is not an easy task. There are six types of bankruptcies to file, chapter 7,11,13,9,12,15. The three major ones are chapter 7,11, and 13. Chapter 7 involves personal debt and total liquidation of assets. Chapter 11 is called organizations and is typically reserved for corps and LL C's. Chapter 13 is for the individual and is used for people that have income and is used to pay back creditors with disposable income. Theses general description of types of bankruptcy doesn't even begin to uncover the complexities of each individual one. When such a insurmountable task someone professional with experience, like bankruptcy attorney or lawyer should be consulted. The consequences of not filing correctly, filing late, or not filing can cause devastating consequences to your financial future.

FREE Initial Consultations for Rancho Cucamonga Bankruptcy

Near the San Gabriel Mountains Rancho Cucamonga is a city lavished with luxury, which presents Rancho Cucamonga as one of Inland Empire's premeir communities. As a resident you might have experienced a hardship such as job loss or out of control credit card debt. The current economic climate has effected millions throughout the United States which has presented new challenges to Rancho Cucamonga. Rancho Cucamonga Bankruptcy is understandable, we are here to help.

There's no shame in Filing for Bankruptcy in Rancho Cucamonga

Most of our past clients in Rancho Cucamonga are ashamed because they are filing for bankruptcy. Our Law Firm provides appointments Monday through Friday and meets with you behind closed doors. We uphold your privacy with great concern. We can even offer same day Rancho Cucamonga bankruptcy appointments.

If you are considering bankruptcy in Rancho Cucamonga, consider the Law Offices of Marc Grossman. If you are bankrupt, or have a problem with creditor harassment the first step is coming in to speak with one of our attorneys. When you come into our Law Firm you meet with an Attorney, not a paralegal. Our bankruptcy attorney is here to assist you with all of your needs.

The Center for Disease Control conducted a Youth Risk Behavior Survey in 2005. This survey found that 28.5% of students nationwide have admitted that 30 days prior to taking this survey, they have gotten in the car when the driver had been drinking alcohol. The survey also found that 30 days prior to taking this survey, 9.9% of the students have driven a car, or other motorized vehicle after consuming alcohol.

Adults vs. Underage Drinkers

Most adults consume alcohol in social settings such as restaurants and bars while underage drinkers usually drink in discrete locations such as camping grounds and beach parties. The underage crowd tends to gather and drink in the masses at private homes, parks, or concerts. Drinking among the underage crowd takes part at different times of the day, such as after school. For adults who are caught drinking and driving, they tend to receive citations between the hours of 2:00am and 3:00am, which is when the parties are over and the bars and clubs are closing.

Underage drinkers are less knowledgeable when it comes to drinking and driving and do not know their tolerance levels. Fatalities are also more common among underage drunk drivers at lower Blood Alcohol Content (BAC) levels. To win the battle against underage drunk driving, many states have adopted zero-tolerance laws. What is Zero-Tolerance?

Zero-tolerance laws were enacted by most of the states to catch the drivers who are underage and have been drinking and driving. All drivers who are under 21 years of age can face penalties, which vary from state to state, if there is any amount of alcohol found in their system. For the states that have not enacted zero tolerance laws, underage drivers caught with traces of alcohol face tougher consequences and penalties for their actions. Additional charges are also in order for underage drinkers because drinking before the age of 21 is illegal in all 50 states. In some cases, the supplier of the alcohol, whether it be the parents of the offender or not, can be held legally liable for any event that was caused by the underage DUI.

Underage DUI Statistics

The Insurance Institute for Highway Safety found that in 2007, roughly 28% of 16 to 20 year old drivers had a BAC of 0.08 or higher and were fatally injured in car accidents. The research also saw that drivers who have a BAC of 0.05 to 0.08 and were between the ages of 16 and 20, had a higher chance of being killed in a single-vehicle car accident than their sober counterparts.

• Males: 17 times more likely.
• Females: 7 times more likely.

Underage males who have consumed alcohol and drove were 52 times more likely to be killed in an accident, whereas it is 15 times more likely for females.

Drinking and driving among people under 21 has become a serious problem over the years. Drivers between the ages of 16 and 20 have less experience; therefore they make up a large percentage of the car accident population. Inexperience in driving mixed with the effects of alcohol is not dangerous just to the underage driver, but to everyone else who shares the road.

According to an investigation by the Investigative Reporting Program at UC Berkeley along with California Watch, DUI sobriety checkpoints throughout Southern California are starting to turn into cash cows for our law enforcement officials, who are more than likely to seize the automobile of an unlicensed motorist rather than an intoxicated driver.

Impounds from the checkpoints generated roughly $40 million in towing fees and police fines in 2009. The investigation found that police officers received about $30 million in overtime pay while on duty at the checkpoints.

Most of the impounded vehicles where those belonging to minorities—majority being illegal immigrants, the investigation also found that:

• DUI checkpoints and screenings were common at, within, or near Hispanic neighborhoods. Checkpoints and screenings at these neighborhoods are more than likely to seize three times more cars than cities with small minority populations. Law enforcement officials at South Gate, which has a Hispanic population of 92 percent, seized an average of 86 vehicles per operation this past fiscal year.
• Although the seizure of vehicles at DUI checkpoints are supposed to focus on intoxicated drivers, seizures today appear to be defying a 2005 federal appellate court ruling, which is that law enforcement officials are not allowed to impound cars because the driver does not have a license. Law enforcement officials at DUI checkpoints are seizing more and more cars every year. In 2009, more than 24,000 vehicles were impounded at checkpoints. Vehicle seizures also went up by 53 percent when compared to 2007.
• DUI checkpoints are starting to become over flooded with law enforcement officials, who are all receiving overtime. At each checkpoint last year, the Moreno Valley Police Department in Riverside County had an average of 38 law enforcement officials, which is six times more than what the federal guidelines state. About 50 other local agencies throughout California have had an average of 20 law enforcement officials or more at each checkpoint, averaging three DUI arrests every night.

Veoh is an online video sharing website that launched in September of 2005. While most of the websites focused on providing shorter video uploads, Veoh's technology provided them with the ability to upload "full length" home videos to the website unlike YouTube. Veoh grew to 28 million users and built a business with a run rate of $12 million. Veoh saw the future of online video sharing and had the technology along with the talent to do so.

In 2008 Universal Music Group (UMG), which is the largest music company in the world sued Veoh for copy-write infringement. While Veoh made every effort to convince Universal Music Group that this was false Universal Music Group decided to sue Veoh anyway.

While Veoh won the copyright suite, the distraction of legal battles lead Veoh to file a Chapter 7 bankruptcy. As of today, the website is still online which is a good thing, but once Veoh decides to file for Chapter 7 bankruptcy they might loose their web servers that power the website.

The first meeting with a bankruptcy lawyer can be a very nerve-racking time in an applicant’s life. The applicant may have many question, may not know what questions to ask, or may not understand the bankruptcy process. The first meeting is when a client is informed about the bankruptcy process and which chapter he or she is eligible to file under but this meeting can also turn into a waste of time and money if a lack of preparation is tossed into the mix. It is important to be prepared for the first meeting because if a client is not, it will take even more time and money for the bankruptcy lawyer to get caught up with the case.

Assets and Debts

The first thing a bankruptcy lawyer may ask of is a complete and detailed list of assets and debts. What a bankruptcy lawyer will want to talk about is the numbers. The meeting will mostly focus on the applicant’s income, the applicant’s total amount of debt, the applicant’s total number of creditors, and the applicant’s estimated assets. The bankruptcy lawyer may ask little about the client’s personal life because he or she needs to focus on eligibility requirements and check for potential problems with a bankruptcy case. This focus allows the bankruptcy lawyer to be comfortable with the fact that the applicant has given the attorney authority to speak in court on behalf of the applicant. For applicants involved in a business, it is especially important for the bankruptcy attorney to understand the business relationship. It would be beneficial for the bankruptcy applicant to write down his or her relationship and position in the business beforehand so it can be readily available to the bankruptcy lawyer.

It is important to inform the bankruptcy attorney of the applicant’s financial information. Something that seems petty, such as paying back the applicant’s brother $800 last month, can be extremely important. Failing to disclose information when the paperwork is being prepared can have harsh consequences such as landing the client with a fraud accusation or possibly a later discharge date. Generally the attorney’s office will give the applicant a packet to fill out. It is important that the applicant diligently fill out this packet and let the attorney’s office know if there are any questions.

The most important action a bankruptcy applicant can take is to be prepared as much as he or she can and be ready to disclose all information to the bankruptcy lawyer. Failure to do so can lead to more trips to the lawyer’s office and to court, which may waste more time, energy and money.

The Process of Filing Chapter 7 Bankruptcy

Chapter 7 bankruptcy is by far one of the most popular chapters of bankruptcies filed everyday. For most people, the process from filing the petition to the time of discharge can last anywhere between four to five months. These four to five months can be one of the toughest times in your life, which is where the bankruptcy attorney enters the picture in order to provide invaluable guidance through an otherwise stressful process.

The first step for those who are interested in filing for Chapter 7 bankruptcy is to take part in the mandatory credit counseling. The mandatory credit counseling requires the client to obtain a certificate through an approved credit counseling agency before the case can be filed with the bankruptcy court. The counseling session must be completed within 180 days before filing the bankruptcy petition. Once the bankruptcy petition is prepared the credit counseling certificate will be included in this paperwork and filed with the court. Once the paperwork is filed, a case number and trustee will be assigned to the case.

A mandatory meeting with the trustee is also required where the applicant must personally appear and bring proper identification and his or her social security card. This meeting is known as the 341(a) Meeting of Creditors. Depending on which bankruptcy cour the paperwork has been filed in, the meeting may take place within three to seven weeks after the filing of the case. The trustee in the applicant’s case must agree to liquidate any non-exempt assets, distribute the funds to creditors, and help monitor the case and report fraud cases to the F.B.I. before the process can move forward. The step allows creditors and trustees to object to the discharge of the applicant’s debt. After the first meeting, creditors have 60 days to file a complaint with the trustee whereas trustees have 30 days to file complaints. When filing a complaint, there must be some evidence of fraud, false statements on credit card applications, fraud while acting in a fiduciary capacity, and/or willful or malicious harm and injury to a person or property present.

Financial Management Course

Completing a financial management course is the next requirement in the Chapter 7 bankruptcy process. The second round of credit counseling lasts for about two hours. Along with the certificate, the applicant must prepare and sign Form B23 and have these documents filed with the court before a discharge can be entered. The applicant must file these documents with the court within 45 days after the date for the first meeting with the Trustee has been set. If any clients fail to do this step within the time period, a court may not allow a discharge. So, time is of the essence!

If the Creditors don't object to your Chapter 7 Bankruptcy Filing

If all goes well and nobody objects to the discharge of the applicant’s debts within the 60 days and all of the requirements have been completed, the applicant will receive a Notice of Discharge in the mail within four to five months after the case has been filed. The Notice of Discharge states that the client is officially discharged from all of the dischargeable debts. Although the notice applies to all dischargeable debts, it generally excludes cases involving child support, alimony, and student loans. The dischargeable debts in this case would apply only to the debts that were filed in the bankruptcy papers and notice.

Many applicants seeking bankruptcy relief have a common misconception that filing for Chapter 7 bankruptcy will be a long and winding path. In actuality, it the documents are properly prepared and there are no objections, the process can run quite smoothly. The bankruptcy attorney’s goal is primarily to manage a timely, smooth, and thorough bankruptcy process, whereby the applicant walks away with some or most of their stressful debts discharged. The bankruptcy attorney can also inform the applicant of potential problems and help to protect the applicant’s assets throughout the bankruptcy process.