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Michael A. Koplen

Michael Koplen’s Legal Guides

18 total


  • Does your bankruptcy show-up in a background check?

    Every person who files a bankruptcy case is concerned about who will find out about it. It is true that all bankruptcy filings are a matter of public record, but this does not mean it is easy for others to learn about your case. The two main ways another person can learn about yo...

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  • Why does my bankruptcy attorney need my tax returns?

    If you are going to file a Chapter 7 or Chapter 13 bankruptcy, your attorney will ask you to provide numerous financial documents, including your tax returns. Many clients ask why it is necessary to provide both state and federal tax filings. Below are a few reasons: Your tax do...

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  • Would somebody steal a debtor’s identity?

    As a bankrupt individual, you probably think nobody would want to steal your identity. However, you are wrong! When you file a bankruptcy case, you must disclose a significant amount of confidential information. Thus, it is important to understand the protections that have been p...

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  • Advantages & Disadvantages of Filing Bankruptcy

    If you are considering filing for Chapter 7 or Chapter 13, it is important to understand all of the consequences. No two filings are the same, so it is important to discuss your individual financial situation with a knowledgeable lawyer before filing. For general guidance, below ...

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  • 3 Options for Car Loans in Chapter 7 Bankruptcy

    It is common for individuals to be upside down on their car loan. This means that they owe more on their vehicle than what the car is worth. If this is your situation, a Chapter 7 bankruptcy may benefit you: In a Chapter 7 case, the debtor has three basic options for his/her car ...

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  • Debt Collection After Bankruptcy??

    Most debtors feel a huge sense of relief when they file a bankruptcy case and the debt collection efforts against them stop. Once a discharge order is obtained and you have a fresh start, your financial stress is lifted. However, what should you do if a debt collector contacts yo...

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  • Your Child Support Payments in a New York Bankruptcy

    When an individual files for bankruptcy protection, the goal is typically tostop collection activityand to discharge their debt. The automatic stay goes into effect as soon as the petition is filed with the court and stops debt collectors efforts. It is important to understand, h...

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  • Things your lawyer wants to tell you

    Attorneys will tell you that most individuals are easy to work with. However, there are some people who believe that once they drop off their paperwork to their bankruptcy lawyer, the attorney should handle it from there. This can make the lawyers job extremely difficult. Below a...

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  • Bankruptcy, Collections & Foreclosures In New York

    As soon as you file your bankruptcy case, theautomatic staygoes into effect and prevents any further collection efforts by creditors. This means that all telephone calls, letters, lawsuits, and any other collection activity must cease. For many debtors, this is a huge relief. The...

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  • The Notice of Bankruptcy

    When you file for bankruptcy protection, a Notice of Bankruptcy is mailed to everyone listed on your creditors matrix. The notice provides creditors with a variety of important deadlines. If your creditor or lender misses these deadlines, it is possible they will forfeit their ri...

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