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(Cont. From Page 29) to describe the money he brings home to the district. A revelation? No. Filler material maybe, since all 435 congressman do the VERY SAME THING to inform constituents. The 2nd Dist. congressional race appears to be TIGHTENING, partly due to Dwight EVANS’ slow recovery from an illness.... Another article featured quotes from tapes of a Federales investigation of a Municipal Court Judge. That much detail had me feeling grimy from its fallout. I felt too COZY a relationship between the media and the feds. Almost like PORNGATE emails between jurists and prosecutors. And is this another case of reporters trying a case in ADVANCE of the hearing? The feds are reportedly
by Michael A. Cibik, Esq. American Bankruptcy Board Certified Question: Is your bankruptcy lawyer trying to torture you? Answer: Bankruptcy lawyers spend a lot of time working with and thinking about the Bankruptcy Code, which is the series of federal laws that govern what happens in any bankruptcy case. We even speak in “Code,” referring to things by their section numbers, like “341 meetings” or “362 motions.” And we tend to assume a level of knowledge about bankruptcy that others, including our clients, may not have. For example, when I have a new client that wants to file bankruptcy, I give them a packet of information about what she needs to do (like credit counseling, dealing with bank accounts), paperwork to fill out, and a list of documents to bring in (like paycheck stubs, bank statements and tax returns). All of that information has a role in preparing a bank-
(Cont. From Page 29) pler. The Korean War was a dark presage in the early ’50s and by mid-decade school children were ducking under desks. China became Red China. Eisenhower sent the first “advisers” to Vietnam. Castro set up camp in Cuba. We are the last to experience an interlude when there were no existential threats to our homeland. The war was over and the cold war, terrorism, climate change, technological upheaval and perpetual economic insecurity had yet to haunt life with insistent unease. Only we can remember both a time of apocalyptic war and a time when our world was secure and full of bright promise and plenty. We grew up at the best possible time: a time when the world was getting better. We are the “last ones”.
ruptcy filing. You have to complete your credit counseling before a case can be filed. You must file a list of property, debts, and a budget with the court, and you must provide certain documents, like paystubs and tax returns, to the trustee and the court. And as time goes by, you are shooting at a moving target: Credit-counseling certificates expire, paycheck records have to be updated, you get a new bank statement every month. So it’s important that you know what you need to provide, and when you need to provide it. A few years ago I had a particularly difficult case in which filing was delayed several times. If we had paycheck stubs up to date, we didn’t have bank statements; by the time the client brought in the bank statements, we needed more pay stubs. I finally sat down with the client to explain we needed everything up to the current date at one time. They said, “You never said that you needed it all at once,” and I realized she was right. Although it was implied, nothing in my paperwork said that I needed everything all at once. I had failed to clearly communicate
what I needed her to do. Needless to say, I remedied that particular deficiency, but I’m sure there is still room for improvement. When you start answering all the questions and putting together copies of all the documents your bankruptcy attorney is going to ask you for, you could be forgiven for thinking that your attorney is just pulling your leg, or torturing you. But there really is a reason for everything we ask for. Some of it is needed because your attorney will have to provide the documentation to the trustee in your case, or to the court. And some of it is to protect you, to make sure that there isn’t some potential problem lurking that will change the expected outcome of your case. We may not be great at explaining why we need all the information we ask for. And frankly, you may not want a detailed answer – my clients’ eyes tend to glaze over when I start talking about such things. But there is a reason, and we do need it all. And we need it all at one time. Next Week’s Question: Is unauthorized practice of law gaining attention of US trustee?
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The South Philadlephia Public Record • April 21, 2016
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looking at State Sen. Larry Farnese’s election to ward leadership. Some have long said the Feds want the lowhanging fruit of local pols. But this is fruit so low that it is 10 feet under. No federal monies should be expended in this local matter which seems to emanate from one disgruntled person.... A radio political ad supports BOYLE for State Senate over incumbent John SABATINA, Jr. A race shaping up like the battle of TRAFALGAR. In the ad we hear that Sabatina “betrayed” the people in his district. A MIGHTY STRONG word that does not belong in politics. I thought I heard it say that the daily press felt Sabatina seems afraid of voters (?). That is why he is knocking on each door in his district? When was the last date when editorial writers walked that district – and knocked at EACH door?
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