Refund Request Template

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Dear [NAME OF CLIENT], In response to your request for a refund of the fees that you have paid to our office, a full review of your case has been conducted. It appears that you have paid a total of [AMOUNT IN DOLLARS PAID] to our office for legal services. A review of your file reveals that you have scheduled a total of [NUMBER OF APPOINTMENTS] with the office, of which [NUMBER OF APPOINTMENTS CONDUCTED] appointments were conducted. Each appointment with our office incurs an Read More +

Credit Card Payments During Coronavirus Pandemic

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For several people, a credit card is a significant resource when things are not going well financially. If you have lost a lot of income recently due to the coronavirus pandemic the credit card will be a significant lifeline for meeting your business requirements. However, if you fail to make the payments on time the credit card debt can add up quickly and it can become a long-term financial challenge. But most of the credit card companies are willing to work with their clients affected Read More +

the Architects of Your Enslavement (part Ii of Iii)

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The Housing Collapse Of 2005 Part II of III The Bush Administration simply followed the lead provided by its Predecessors.  With the elimination of Glass Steagall, the easy money kept flowing.  Ian Greenspan kept the Interest Rates low.  The Bush Administration mostly ran interference against any form of oversight, or actively encourage irresponsible Lending. In a pure economy where Interest Rates are determined by the risk presented by Lenders of real money, to Borrowers, any form of government “oversight” or regulation would be probably mostly Read More +

the Architects of Your Enslavement (part I of Iii)

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Bill Clinton, Bush, Bankers and Servicers, Et Al Part I of III Bill Clinton, during his tenure as President of the United States, signed numerous pieces of Legislation that ultimately lead to the Housing Bubble and its eventual rupture, and the loss of millions of homes by some homeowners, and the reduction of the values of many millions of other homes, in the United States.  Mr Clinton signed the Gramm-Leach-Bliley Act which essentially repealed the Glass-Steagall Act.  The Glass-Steagall Act was considered an important part Read More +

Bankruptcy Discharge Revoked?

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Justin Colen of Palm Harbor, Florida asks, If I receive a Bankruptcy Discharge, may the Discharge later be Revoked? Thank you, Justin of Palm Harbor. I hope things work out with that lawsuit from the Hamburglar, arising from the altercation in the McDonald’s parking lot. Any Interested Party may bring an Action to seek the Revocation of the Bankruptcy. In order for the Discharge in a Bankruptcy to be Revoked, the following must exist: INTERESTED PARTY. Only an Interested Party can bring an Action to Read More +

Ramifications of the Supreme Court’s Lawless Decision in Bank of America V Caulkett

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MESSAGE FROM A BANKRUPTCY ATTORNEY IN CLEARWATER, FLORIDA PART TWO Jay Weller is a Bankruptcy Attorney in Clearwater, Florida. Jay Weller and Weller Legal Group have Law Offices in Clearwater, Port Richey, and Lakeland, Florida, and have filed over 40,000 Bankruptcies, since 1993. In order to understand this Article, please read Part One. What are the ramifications of the Supreme Court Decision in Bank of America v Caulkett? Why is its construction of the Bankruptcy Code important? Please note that the Supreme Court Decision in Read More +

Message From A Bankruptcy Attorney in Clearwater, Florida

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THE SUPREME COURT DECISION IN BANK OF AMERICA V CAULKETT FURTHER ILLUSTRATES ITS LAWLESSNESS PART ONE Jay Weller is a Bankruptcy Attorney with Offices in Clearwater, Port Richey, and Lakeland, Florida. In Caulkett, the Debtor filed Chapter 7 Bankruptcy. The Debtor in Bankruptcy owned a Home with a First and Second Mortgage. The Fair Market Value of the Home was less than the Balance of the First Mortgage. The Second Mortgage, in terms of Bankruptcy, is Wholly Unsecured. Section 506(d) of the Bankruptcy Code provides, Read More +

the Us Bankruptcy Code and Student Loans

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The US Bankruptcy Code And Student Loans: Constructing The Plain Meaning Of The Bankruptcy Code In Attacking Student Loans  Part II In Series by Jay Weller   Editors Note: In Part One in our Series on Student Loans, the writer offered an Equation in determining whether Student Loans can be Discharged in Bankruptcy. The Equation should properly state:   UNDUE HARDSHIP + (NOT A OR B OR C) = STUDENT LOAN DISCHARGE   For the Second Portion of our analysis of Student Loans, the analyzer Read More +

the History of Debtors Prisons and Why It is Important to You (3 of 3)

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Debtors Prisons In Early American History Debtor’s Prisons existed in the United States dating from the beginning of Colonization to 1850. Numerous important early political figures were incarcerated throughout the history of debtors prisons, most likely giving the Founders a perspective on the ills of the debtor prison system. William Morris, one of the signors of the Declaration of Independence, was imprisoned from 1798-1801 in a debtors’ prison in Washington, DC. One of his more regular visitors was George Washington. James Wilson, another signor of Read More +

the History of Debtors’ Prisons and Why It is Important to You (part 1 of 3)

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Debtors’ prisons have existed for many centuries on this planet, and in fact, many forms of bonded servitude and slavery still exist today. Bonded servitude is practiced in India, and other nations, and slavery in its most brutal forms, is practiced in various parts of Africa. Debtors’ prisons are facilities where persons are imprisoned who are unwilling or unable to pay their debts. Bankruptcy Laws were eventually formulated and enacted in order to betray the harsh penalties imposed upon the populace, usually upon the most Read More +