Using Microsoft’s Snipping Tool, I grabbed this address from the back of an electronic invoice from Comcast Communications. It’s an address for the Legal Department of Comca [...]
Read more »
While the subject of student loan interest rates has been a hot topic for the past few weeks, the ABA Journal had a story over six weeks ago by Debra Cassens Weiss about a “l [...]
Read more »
I’ve been a user of Symantec’s Norton Internet Security for over a decade. During those years I also used many of the other Norton products like AntiVirus, PartitionMag [...]
Read more »
I was at NACBA’s 2011 Members-Only workshop last October in Colorado Springs (held at the beautiful Broadmoor resort). We had a booth in the exhibitor hall right across from [...]
Read more »
Update your bankruptcy software! Chapter 7 and Chapter 13 bankruptcy cases filed on or after May 1, 2012 will use the new data for completing Form 22A and Form 22C. Debtors f [...]
Read more »
A few years ago, when bankruptcy filings were just beginning to soar, a very experienced bankruptcy lawyer told me that I could expect to see this high volume of bankruptcy c [...]
Read more »
This appears on the back of a recent customer statement of Toyota Financial Services (sorry for the hard-to-read image, but that’s what it looks like on the statement): [...]
Read more »
From the back of a recent statement of a Cap One customer is this notice answering the question, “What if I file for Bankruptcy?” The address for Cap One is: Cap [...]
Read more »
Thanks for visiting and for your interest. My paralegal experience goes back several decades in different areas of law. I came back to bankruptcy as a virtual paralegal shortly after BACPA passed.
I am a techy, so working virtually for bankruptcy lawyers around the country is a breeze! I love applying technology to casework and I'm happy to share my tips and insights. [Read more …]
Using Microsoft’s Snipping Tool, I grabbed this address from the back of an electronic invoice from Comcast Communications. It’s an address for the Legal Department of Comcast Cable Communications (One Comcast Center, Philadelphia, PA 19103-2838). I searched online for a specific bankruptcy notice address, but this is the closest I could find. The effective date is only a little more than a year old (March 1, 2011) so it’s fairly current.
While the subject of student loan interest rates has been a hot topic for the past few weeks, the ABA Journal had a story over six weeks ago by Debra Cassens Weiss about a “looming student loan ‘debt bomb’”.
Interest on student loans was not even mentioned in the article. The ‘debt bomb’ as Ms. Weiss described it has to do with the potential inability of the borrowers to pay back the loans. Some of those borrowers are parents who co-signed the loans and now are reaching an age where they may stop working, their incomes will decline and they may find it difficult to pay back the loans.
While other debts may be discharged in bankruptcy, a debtor with student loan debt must meet a hardship standard in order to have student loan debts forgiven. According to Ms. Weiss’ article, 95% of responding attorneys said “few student loan debtors have any chance of meeting hardship standards” for these loans.
With all the political talk these days about student loan interest rates, I’m still waiting to hear a news report mention that Washington is reconsidering the dischargeability of student loan debts.
I’ve been a user of Symantec’s Norton Internet Security for over a decade. During those years I also used many of the other Norton products like AntiVirus, PartitionMagic, GoBack (I loved that program), and Utilities. I’ve heard lots of complaints about NIS, but Norton products have always worked for me and my computers have always been secure.
EZ-Filing is a bankruptcy forms preparation software program used by some of my attorney-clients, which means I use it for their cases (going on about 4 years now). It’s not my favorite of the bankruptcy software programs, but it has some good features. I have never had any trouble with EZ-Filing, but I know from an ezfiling Yahoo! Group that some bankruptcy attorneys have been unhappy with the program’s performance as of late.
Today something very odd happened when I attempted to open EZ-Filing; my Norton Security gave an alert of “at risk” and showed that SONAR Protection was doing ‘something.’ The ‘something’ ended up being that Norton found the ezframe.exe file to be suspicious and removed it. For all the years that I have used Norton, I have never had it remove something from my computer (I’m very careful about what I install).
I recalled that there was an update to the program about two days ago when I used it and I wondered if the program developers had made a change to the program that did not sit well with Norton. I phoned Tech Support at EZ-Filing (I’m always impressed there is someone who actually answers support calls). The Tech was not surprised by my issue; he confirmed that it is something new that is happening. The only advice he could give me was to create an exception for EZ-Filing in my Norton settings.
Fortunately, Norton has ‘options’ that, if you look at the first image in this post, you will see its link just to the left of the ‘close’ button. ‘Options’ allowed me to restore the file and exclude it from future scans. In this case, I trust Norton more than I trust EZ-Filing and I did not overlook Norton’s message that “Restoring an item from Quarantine could potentially put your system at risk.” I’m concerned that EZ-Filing would include something in their program that would elicit this action and alert from Norton. As I said, I never had this happen before with any other program. I’ll have to keep an eye on it and do some more investigating.
I was at NACBA’s 2011 Members-Only workshop last October in Colorado Springs (held at the beautiful Broadmoor resort). We had a booth in the exhibitor hall right across from EZ-Filing Bankruptcy Software’s exhibit. Although I introduced myself to the EZ-Filing guys, we did not have an ‘in-depth’ conversation, so I’m not certain from whom I heard the rumor that EZ-Filing was going to be sold, just that I heard it around that time.
I’ve seen complaints on the EZ-Filing Yahoo Group for the past months about ‘program instability’ and the pleas to EZ-Filing that product reliability be restored from bankruptcy attorneys who have used program for years. It seemed to me this was more proof that the attention back at EZ-Filing headquarters must be on closing a deal and not on the product.
So, given the rumor I had heard about a possible sale, I was not surprised when attorney Jay Fleischman wrote a few days ago on his Legal Practice Pro blog that he had “been informed” that EZ-Filing had “become part of the CINgroup of companies.” I have not been able to find an official press release that confirms this but, given Mr. Fleischman’s stature in the legal community, I have no doubt that someone ‘in the know’ gave him this information. You’ll want to read Mr. Fleischman’s post about EZ-Filing and CIN.
Update your bankruptcy software!
Chapter 7 and Chapter 13 bankruptcy cases filed on or after May 1, 2012 will use the new data for completing Form 22A and Form 22C. Debtors filing Chapter 7 cases use Form 22A for “means testing purposes” and Chapter 13 debtors use Form 22C to calculate disposable income.
State Median Family Income and Administrative Expense Multipliers: The Census Bureau is the original source for this data.
National Standards for Allowable Living Expenses and Local Standards for Transportation and Housing and Utilities Expenses: The IRS is the original source for this data.
