2019 February Paso Robles Magazine
The Story of Us — Paso Robles Magazine. A monthly look at our remarkable community.
The Story of Us — Paso Robles Magazine. A monthly look at our remarkable community.
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More Information on Getting Debt-Free<br />
Live Again!<br />
1. Will you lose property if you file bankruptcy?<br />
No. That is why you have an attorney. In preparing your<br />
legal documents we carefully analyze the property you<br />
own, so you can keep it, as the law allows. We don’t file<br />
unless we know you can keep your property. Once in a<br />
while, very rarely, someone has property that cannot be<br />
kept in a Chapter 7 bankruptcy, so we suggest an alternative<br />
remedy for your debt problems.<br />
2. Will bankruptcy ruin your credit forever?<br />
No. In most cases, bankruptcy will provide the quickest<br />
way to good credit. Certified Financial Advisor Liz<br />
Weston’s article “Filing for Bankruptcy May Actually<br />
Help Credit Scores” is available from Richard Rossi.<br />
3. Do you need an attorney?<br />
Yes. You cannot afford not to have an attorney. An attorney<br />
can make sure your keep your property, and give you<br />
peace of mind.<br />
4. Who will know you filed for bankruptcy?<br />
Probably no one, except your creditors, unless you<br />
disclose the fact - which many of my clients have done<br />
because their bankruptcy provided so much relief and<br />
peace of mind. NO DEBT- Nice.<br />
5. Which debts are cancelled by bankruptcy?<br />
Generally all debts, except child support and alimony,<br />
student loans, taxes, restitution for a criminal act and debts<br />
incurred as the result of fraud. Taxes may be cancelled if<br />
they are old enough; this is something we discuss in your<br />
FREE first meeting.<br />
6. If you're married, must both of you file?<br />
No. Oft-time the debt is only in one spouse’s name, so the<br />
other may opt not to file and so will not have a bankruptcy<br />
on their credit history.<br />
7. If you‘ve been sued is it too late to file for<br />
bankruptcy?<br />
No. The moment you file a bankruptcy the lawsuit is<br />
stopped (as are foreclosure sales of homes, and creditors’<br />
calls). If a creditor has a judgment against you and is<br />
garnishing your wages, the bankruptcy will immediately<br />
stop it. The debt you were sued for will be cancelled in the<br />
bankruptcy.<br />
Religion and Bankruptcy: By Dr. Michael Russell (reprinted with permission): “In Deuteronomy 15, Moses<br />
reveals God’s concern with perpetual or chronic debt among His people. Moses says, ‘At the end of every seven years<br />
you shall grant a remission of debts...’ It has puzzled me over the years why Christian leaders have stressed – almost<br />
legalistically at times – that debts have to be repaid no matter what. According to these experts (who often lack theological<br />
training), to fail to do so is to sin and reflects spiritual bankruptcy...I reject – that conclusion. God is a God of grace;<br />
capitalism knows nothing of grace...Christians need to recognize...the grace of God and that He is, once again, shown to<br />
be a God of new beginnings.” (The entire article is available from Richard Rossi.)<br />
Testimonials: “Mr. Rossi is a great advisor when it comes to Bankruptcy Law. I went for advice and he with<br />
honesty told me all the right things to tell my creditors with out taking a cent. I would highly recommend Mr. Rossi to<br />
anyone who needs a service like Bankruptcy as unpleasant as that sounds. I found out I did not need it after all! Thank<br />
You Mr. Rossi!” ~ Carolyn M.<br />
“When I finally decided to file for bankruptcy a friend recommended Mr. Rossi. After struggling just to keep up<br />
with the interest payments on my credit cards it was such a relief to hand everything over to Rick and Debra. Rick made<br />
sure I understood the process from start to finish. He made sure that all the collections calls stopped and he ensured that I<br />
knew I wasn't a deadbeat for filing bankruptcy and I was able to keep my car. The entire process only took 6 months and<br />
I only had to go to court once in Santa Barbara.” ~ Jessica H. Santa Maria<br />
ROSSI LAW<br />
It’s Time for a New Life<br />
Call Richard Rossi – 541-1044 or 238-0238<br />
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We are a debt relief agency; we help<br />
people file for bankruptcy under the<br />
Bankruptcy Code.<br />
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