Are There “Hidden Fees” in Your Representation in a Bankruptcy? And Will You Return My Phone Calls?

Posted by | Posted on 22-10-2010

I sure hope there are no hidden fees! I tried hard to put ‘em on a billboard and have a skywriter spell ‘em out in our scary five-page retainer agreement!

What I try to do when I meet with a client is to figure out how much time, effort, and risk is involved in that particular consumer bankruptcy case, or that small business bankruptcy case, or that unique sui generis case. One size retainer really doesn’t fit all, because I have a few clients who have ten thousand dollars in unsecured debt, and some who have twenty million.

Wouldn’t be fair to charge everybody the same amounts, you know? Read more…

Establishing A High Performance Work Team

Posted by | Posted on 20-10-2010

Establishing A High Performance Work Team
by Takara Alexis

Guiding a successful group begins with employing the right people. If imagination is all about looking at things differently, then putting together a group of people who obtain a variation of nationalities can create ideas and produce energy. But you have to be sure that your workers are on the same page as you socially.

Even if you are working in a corporate type of establishment, look for a way to make the creative workers’ environment more appealing. Read more…

Credit Repair: Powerhouse Score Booster

Posted by | Posted on 19-10-2010

Your Big Credit Repair Break

If you have had credit problems and are in search of the best credit repair technique to boost your credit scores, look no further. The latest release of the FICO algorithm provides an amazing score boosting opportunity. In keeping with the spirit of FICO, this is not a magic trick, but a means of rewarding those who prove their worth. Here is the latest, most powerful way to add serious points to your score.

New Accounts Count Most

This awesome credit repair technique taps the hidden power of FICO. You made some errors in the past. Now is your chance to prove you can get back on the horse and ride. Read more…

Origin of the Solar System

Posted by | Posted on 17-10-2010

If you are the one who is interested in reading about stars and galaxies and other celestial bodies, then you must be aware of the term solar system. It is given the name of solar system because all the planets, including dwarf planets, moons, and various other celestial bodies revolves around the sun in their respective orbit. The major planets in our solar system include Mercury, Venus, Earth, Mars, Jupiter, Saturn, Uranus and Neptune. There are some dwarf planets as well which are once considered as a planet, these include Pluto, Ceres, Makemake, Haumea and Eris. Read more…

Hines Nurseries, One of the Largest Plant Growers in the U.S., Files for Bankruptcy in Delaware

Posted by | Posted on 15-10-2010

On October 12, 2010, Consolidated Horticulture Group, LLC and Hines Nursery LLC (the “Debtors”), filed petitions for bankruptcy in the United States Bankruptcy Court for the District of Delaware.  According to the Declaration filed by Debtors’ President and CEO, Stephen Thigpen (the “Declaration”),  Debtors are one of the largest commercial nurseries in North America, selling shrubs and container-grown plants to commercial and retail customers.  Decl. at

Read more…

What are Chapter 7, 11 and 13 Bankruptcies and Who Can File for Each?

Posted by | Posted on 15-10-2010

On a personal level, you can file bankruptcy using chapter 7 or chapter 13. If you have a company and need to file bankruptcy, then you can file chapter 7 or 11.

Chapter 7 and 13

Chapter 7 – A chapter 7 bankruptcy can be used to discharge all debt. To further narrow down the type of debt, it is generally unsecured debt. Each state has income and household thresholds for qualifying. If you exceed these limits you cannot file this chapter. If you have any questions at all it is best to consult with a bankruptcy attorney, the consultation is free.

Chapter 13 – A chapter 13 bankruptcy is called a reorganization. If

Read more…

What is a Chapter 7 bankruptcy?

Posted by | Posted on 14-10-2010

A Chapter 7 bankruptcy filing virtually wipes out a person’s debt, giving them the chance to start with a clean slate. The option to file a Chapter 7 is a legal right that every citizen has, if they meet certain criteria. An experienced attorney can help determine which form of bankruptcy is right for an individual. Some debts such as government loans and fines are not allowed to be included in a bankruptcy filing.

Once a person files for Chapter 7 bankruptcy protection, their creditors are not allowed to continue contact or harass for payments. Collection calls and any other legal action is stopped while the filing is reviewed. During this time, creditors will be allowed to speak to the court and the petitioner, to ask for any property that is unpaid for to be returned.

The bankruptcy trustee will have the right to order any assets the petitioner currently has to be sold. The monies earned will be distributed to debtors on a priority basis. An attorney can protect a petitioner’s best interest in the case of any auction or seizing of assets. Once the conditions have been met, the U.S. Bankruptcy Court will officially discharge the debt.

We can answer all your questions regarding filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, cram down, stopping a foreclosure, wage garnishment, asset protection, discharging a debt, etc. If you need help regarding a bankruptcy in California, call us at 1800.941.6730 and we will be more than happy to offer you a free consultation over the phone. You can also fill out a free online evaluation at our website, www.sagarialaw.com, or request a free face to face appointment at a Sagaria Law office location close to you. We have bankruptcy attorneys located throughout California and Oregon to assist you with all your debt resolution needs.