Ronald Joseph Kim’s Answers

Ronald Joseph Kim

Saratoga Springs Bankruptcy Attorney.

Contributor Level 15
  1. Judgment against me after I filed!!!!

    Answered almost 2 years ago.

    1. Michael T Millar
    2. Eric Edward Rothstein
    3. Dorothy G Bunce
    4. Susan Kathleen Duke
    5. Ronald Joseph Kim
    5 lawyer answers

    This is a violation of the bankruptcy stay and you should not pay this judgment. Speak to your attorney about filing an adversarial against the creditor that sued you. Good luck,

    10 lawyers agreed with this answer

  2. How can I find out if a civil lawsuit has been filed against me?

    Answered over 2 years ago.

    1. Ronald Joseph Kim
    2. Dorothy G Bunce
    3. Tom Arany
    3 lawyer answers

    First you should know that New York State law expressly forbids payday loans. When you applied for the loan the online service should have blocked your application as soon as you indicated a New York address. Accordingly, this firm's efforts to collect this loan, assuming you were a New York state resident when you got it, is on legally shaky grounds. Second, one way to determine if you have any judgements against you is to pull your credit report and review the "public records" section....

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  3. My employer found out that I am filing a lawsuit for retaliation for my discriminations charge

    Answered over 1 year ago.

    1. Ronald Joseph Kim
    2. Alix R. Rubin
    3. Ryan M. Finn
    4. Jason Lloyd Stern
    5. Vincent Peter White
    5 lawyer answers

    This could be a tactic by the employer to trip you up, so you really need to consult with your attorney---your duty to mitigate damages is a critical part of your case and if you fail to carry out this duty the employer will use it to reduce your potential damages. If you don't have an attorney---that is a big mistake and you should correct it immediately. Keep in mind that if you are working for a New York City employer there are potentially three different applicable laws for a...

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  4. Can you be forced into a Chapter 7 bankruptcy?

    Answered about 1 year ago.

    1. Ronald Joseph Kim
    2. Michael A. Koplen
    3. J. Craig Carman
    3 lawyer answers

    Yes an "involuntary" petition can be filed on your behalf, however these are rare in most bankruptcy courts.

    8 lawyers agreed with this answer

    1 person marked this answer as helpful

  5. I owe back taxes of about 50,000. I want to know whats the best way to reduce payment.

    Answered over 1 year ago.

    1. Ronald Joseph Kim
    2. Michael Hal Schwartz
    3. Michael A. Koplen
    3 lawyer answers

    There are four principal ways to pay off/reduce taxes: 1) Installment payment agreement with IRS 2) Offer in Compromise with IRS 3) Discharge of Taxes in Chapter 7 bankruptcy 4) Pay off Taxes in Chapter 13 bankruptcy Each one of these strategies has advantages and disadvantages and each has qualification criteria that you may or may not fulfill. The best thing would be to contact an attorney who can assess each of these strategies and determine which is best for you. Keep in mind...

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  6. What should i do,if my boss harassing me?

    Answered over 2 years ago.

    1. Krishnan S. Chittur
    2. Ronald Joseph Kim
    3. Arthur H. Forman
    4. Jeffrey Bruce Gold
    5. Phillip Monroe Smith
    6. ···
    6 lawyer answers

    SEXUAL HARASSMENT BY BOSS/SUPERVISOR First and foremost each and every time your boss harasses you, you should be very clear to him that his behavior is unacceptable, unwanted and harassing. Next, keep a log or journal of each and every time you are harassed with specific, detailed information on each incident. Third, you should contact an attorney experienced in sexual harassment litigation right away to discuss the possibility of filing a complaint with the Equal Employment...

    8 lawyers agreed with this answer

  7. Judgement was placed, only because no one showed up to court.

    Answered almost 3 years ago.

    1. Ronald Joseph Kim
    2. William James Waters
    3. Scot J Eliot
    3 lawyer answers

    You did not indicate what type of judgement it is, but most judgements can easily be vacated within the first year that they have been entered, if you have a valid defense and reasonable excuse --which in this case would be the failure of the counsel you retained to take any action. So you might consider filing a motion to vacate the judgment under CPLR 5015. Keep in mind that the longer you delay this action, the more difficult it is to successfully vacate the judgment, so move quickly!...

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  8. Is it better (credit-wise or otherwise) to do a debt settlement with creditors or go bankrupt? Are there pros/cons of both?

    Answered over 1 year ago.

    1. Ronald Joseph Kim
    2. Andrew Daniel Myers
    3. Daniel Dwight Bowen
    4. Jayson Lutzky
    5. Charles Ross Smith III
    5 lawyer answers

    Here is the test that I give prospective clients: If you lay out all your debts and make reasonable assumptions about income, expenses, interest rates on the cards, etc.... can you pay your debt off in 3 to 5 years with an austerity budget? If you think you can---don't file bankruptcy (and that is coming from a bankruptcy attorney.) If however you have to make unreasonable assumptions about your budget (ie.. I am going to hit the powerball tomorrow and everything will be fine) bankruptcy...

    7 lawyers agreed with this answer

  9. Are private student loans dischargeable under bankruptcy?

    Answered almost 2 years ago.

    1. Ronald Joseph Kim
    2. Michael A. Koplen
    3. Eric Edward Rothstein
    4. Allen A. Kolber
    5. Alan D. Walton
    5 lawyer answers

    Yes. It is only dischargeable in bankruptcy if you can show an undue hardship, which is difficult.

    7 lawyers agreed with this answer

  10. Old state taxes in chapter 13

    Answered almost 2 years ago.

    1. Ronald Joseph Kim
    2. Mark Markus
    3. Steven Anderson Leahy
    4. John P Fazzio III
    4 lawyer answers

    DISCHARGING TAXES IN BANKRUPTCY You have not provided enough facts to answer your question. You can discharge 1040 taxes in either a Chapter 7 (best) or Chapter 13 if and only if: 1) the most recent due date for filing the taxes is over three years old; 2) you filed your 2008 tax return more than two years ago; 3) the tax that you owe was assessed by the state more than 240 days ago; 4) your tax return was not fraudulent; 5) you are not willfully attempting to evade the paying of taxes....

    7 lawyers agreed with this answer