Karra L. Kingston Esq.

Can Filing Bankruptcy Help You During the Coronavirus (Covid 19) Pandemic?

If you have been impacted by the coronavirus, you are not alone. It has been reported that millions of Americans have applied for unemployment within the last few weeks. States and Federal Governments have been implementing different polices to help Americans survive this pandemic. Unfortunately, many still are facing financial repercussions.

Over the last few weeks, if you were some of the lucky few who received a stimulus check, it may have helped you a little. However, for most people, living in New York and New Jersey, the stimulus check is barley enough to cover one month of rent. Individuals who are minimum wage workers, and were already living paycheck to paycheck are more than ever facing even more economic hardship. With so much uncertainty bankruptcy may be an option to help you get out of debt and start over.

Will Filing Bankruptcy Impact Your Immigration Status?

If you are in debt but have a pending immigration case you may be wondering if you can file bankruptcy and if you do how will filing bankruptcy impact your immigariton status?

There is no specific law that says that filing for bankruptcy will prevent you from getting your Visa or United States Citizenship. However, on February 24, 2020 the Deparment of Homeland Security implemented final regulations that change how an individual will be assessed based on the public charge rule.

How is a Joint Account holder or authorized user impacted if I File bankruptcy

How Can I Pay Off Credit Card Debt With No Money

If you have found yourself in credit card debt, you may be struggling to make ends meet. Thousands of individuals in New York and New Jersey have credit card debt. The usual advice to get out of debt is to go through your monthly expenses to see that you can cut down. Many debt counseling companies will tell individuals with high debt, that they should pay their highest accounts off first. Once the high balance cards are paid off, they can start paying the lower ones. Individuals who have no money to pay for their credit card debts, can’t play by these rules. So how are people who have no disposable income supposed to pay off their credit card debt?

What Does Filing Bankruptcy Do To My Credit Score

If you decide to file bankruptcy, it is always good to speak with a bankruptcy lawyer to help you. Seeking the advice of a qualified bankruptcy lawyer is essential to ensuring that your case goes smoothly. When you file bankruptcy, it can stay on your credit report for 7-10 years.

Many individuals who file bankruptcy can actually see their credit score increase after filing. Often individuals filing bankruptcy wonder why their score would increase. To understand why, you need to understand how the credit bureaus calculate a credit score. Credit burueaus look at debt to income ratio to determine a credit score. The lower the credit score, the less chances you have of having a lender extend credit.

What Can a Staten Island Bankruptcy lawyer Do For Me?

If you are considering filing bankruptcy in Staten Island, you may be wondering “what can a Staten Island bankruptcy lawyer do for me?” Being behind on bills can be extremely stressful. If you are in a financial rut and considering filing bankruptcy, it’s natural to wonder if you should hire a bankruptcy lawyer to help you. You may think that by not hiring a bankruptcy lawyer to help you, you will be saving money. This is a costly mistake and can cause you an even bigger financial hardship. Hiring a bankruptcy lawyer to help you file your Staten Island bankruptcy can save you a lot of hassle and stress by ensuring that your case is handled properly.

What is Happening to Student Loans During the Coronavirus?

If you are like more than half of Americans with student loan debt, you are probably wondering “what is happening to student loans during the coronavirus?” Luckily, if you are behind on your student loans payments or are unemployed, you will be happy to hear that president Trump signed a bill providing relief to struggling student loan borrowers in the wake of the coronavirus pandemic.

How Does The Bill Impact My Student Loans?
The bill has put a six month suspension on all student loan payments that are federally held. This bill is intended to help individuals who can’t make their monthly student loan payments because of the ongoing coronavirus pandemic. Normally, individuals who default on their student loans face garnishments, bank levies, and witholding tax refunds from their student loan creditor. This bill will provide a sense of relief while the pandemic is going on. Collection agencies won’t be able to call you or send you letters.

Does My Stimulus Check Count as Income If I File Bankruptcy in New Jersey

If you are thinking about filing bankruptcy a New Jersey bankruptcy because you are unemployed due to the coronavirus pandemic or are already in a Chapter 13 repayment plan in New Jersey, you may be wondering “will my stimulus check count as income if I file Bankruptcy?” Fortunately, if you are filing bankruptcy in New Jersey, the United States Trustee’s office recently provided an answer to this question that many individuals in New Jersey are wondering. on April 7, 2020 the United States Trustee’s office, stated that stimulus checks should not be included when calculating an individual’s current monthly income on the New Jersey Means Test.

Fair Debt Collection Practices Act Lawyer

5 Facts About Filing Bankruptcy That You Didn’t Know

If you are in debt and thinking about filing bankruptcy, you may have heard many negative connotations surrounding filing bankruptcy. However, there are 5 facts about filing bankruptcy that most people don’t tell you. Filing for Chapter 7 bankruptcy of Chapter 13 bankruptcy can seem unpleasant. However, many companies fail to tell individuals the good things about filing bankruptcy. Let’s see what they are below.

Staten Island Bankruptcy Legal Services

If you are drowning in debt and don’t know where to turn, you may be looking for Staten Island bankruptcy legal services. Karra L. Kingston Esq. has helped people who are strugging with debt, get out of debt and start over financially. Harassing debt collectors can be mentally and physically exhausting! With the help of our Staten Island bankruptcy lawyers you can get out of debt in no time!

Is there an Affordable Bankruptcy Lawyer In Staten Island

If you are thinking about filing bankruptcy in Staten Island, you are probably looking for an affordable bankruptcy lawyer. Bankruptcy is a great tool for many individuals and businesses that have debts. Filing a Staten Island bankruptcy can help you eliminate your debt and start over. When individuals file bankruptcy they can start over financially and start rebuilding their credit score. A good bankruptcy lawyer in Staten Island costs money. Bankruptcy laws are complicated and confusing. Our bankruptcy law office gets calls all the time from people who filed their bankruptcy petition on their own and are now facing issues. Although a good Staten Island bankruptcy lawyer may seem expensive, the cost of doing it yourself can end up costing you much more problems.

Staten Island bankruptcy lawyer