Michael Kinzer Attorney At Law 631-983-4499 http://www.yellowbook.com/profile/kinzer-michael-attorney-at-law_1854836120.html
Duration : 0:0:36
Michael Kinzer Attorney At Law – Babylon, NY
Queens Private Student Loans Bankruptcy Attorney Forgiveness Personal Consolidation Federal Direct
Bankruptcy Lawyers Debt Consolidation Attorneys Mortgage Foreclosure Lawyer Frozen Bank Accounts and Wage Garnishment Attorney Credit Card Relief servicing Queens, Brooklyn, Bronx, Manhattan, New York, Staten Island, Nassau, Suffolk, Long Island
I’m Neil Colmenares, a Board Certified Consumer Bankruptcy Attorney. If you’re unable to pay your Student Loans, are struggling to make ends meet to avoid garnishment from the government, you may be able to get rid of those student loans in bankruptcy.
-The following is the three prong test that a Bankruptcy Judge must decide you have passed in order to be able to eliminate your student loans.
-First, the debtor’s current level of income and expenses and whether a minimal standard of living can be maintained by the debtor and dependents if the debtor must repay student loans;
-Second, additional circumstances that might suggest that debtor’s current financial condition would likely continue for a significant portion of the repayment period; and
-Third, whether the debtor has made a good faith attempt to repay the Student Loans.
Please note, the standard for discharging Student Loans in Bankruptcy in high. Although difficult, discharging Student Loans is not impossible.
Finally, some Judges will require you to have inquired into the “Income Contingency Repayment” plan before hearing a student loan discharge ability case. Please make reference to the link on this website regarding the Income Contingency Repayment plan.
If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
bankruptcy filing bankruptcy bankruptcy and student loans bankruptcy loans Queens Brooklyn Bronx Manhattan New York Staten Island Nassau Suffolk Long Island Sallie Mae Private Student Loans Bankruptcy Attorney Forgiveness Personal Student Loans Consolidation Federal Direct Debt Consolidation Loans
Duration : 0:1:36
Free Bankruptcy Consultation Queens Lawyer Brooklyn Bronx New York Staten Island Nassau Suffolk NYC
Why a “Free Consultation” is never really Free. Honest New York Bankruptcy Lawyer, Lawyer Scams, Credit Card Relief, Debt Consolidation Lawyer.
Hi, I’m Neil Colmenares. I’ve been asked many times, with the exception of personal injury, why there is a small fee for a consultation with this office. The answer is simple. I’m an honest attorney. Let me explain.
It is true that some attorneys give “free” initial consultations. But remember the old adage, nothing in this world is truly free.
Generally speaking, a legal consultation when done correctly takes close to an hour of attorney time. If an attorney spends an hour with you and did not charge you a fee, chances are they are going to look for ways to make money off of you. If not, they have just wasted an hour of their time.
Typical scams include luring you in with a “free” consultation whereby the lawyer (or in most cases the secretary) after asking you a few quick questions, gives you a minimum down payment of normally $500 to come in with before they can start work on your case. After you come in with the deposit, then and only then are you actually given a real consultation. In most cases, the attorney then notifies you that either they cannot help you and they end up charging you a inflated hourly rate for the work they allegedly did or even worse, try to sell you on services that you either do not need or know will not work so that can make more money off of you.
In situations like these, are you sure you’re receiving honest advice? Was that consultation truly “free”?
At this office, since were compensated for our consultations, you will have no doubts that you have received honest, valuable and unbiased advice.
One more thing to keep in mind, in close to half of all of our consultations, we’ve been able to give our clients advice and specific information on how to resolve their problems on their own without the need of a lawyer. This all leads back to my promise to my clients to put their interests ahead of my own.
If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
Queens Free Bankruptcy Consultation Bankruptcy Attorneys New York Lawyers Brooklyn Foreclosure Lawyer Long Island Staten Island mortgage modification Bronx debt consolidation attorney Nassau Suffolk Long Island Credit Card Relief
Duration : 0:2:12
Queens Mortgage Foreclosure Attorney Lawyer Brooklyn Bronx New York Staten Island Nassau Suffolk NYC
Stop Foreclosure Save your home loan modification help, avoid Short Sales Relief, Best Mortgage Foreclosure Lawyer video
Hi, I’m Neil Colmenares. I represent homeowners in mortgage foreclosures. Although I have been in private practice for nearly a decade, I used to represent large banks in the foreclosure process. As a result, I have experience on both sides of the foreclosure fence. I urge you to take advantage of this unique knowledge and experience that I have acquired over the years.
-If you’re in foreclosure or are threatened with foreclosure, you have options.
-First, if the bank has not commenced foreclosure proceedings, you can apply for modification, forbearance, short sale or deed in lieu of foreclosure. Please see the accompanying page on this website for a definition of these terms. Sometimes negotiating with the bank before the foreclosure process can work to your advantage. Unfortunately, this is not always an option.
-If the bank has already commenced the foreclosure, it is imperative that you retain this office to file an “Answer” with the court. By Answering, we may be able to settle the lawsuit on terms that are favorable to you that the bank would not have agreed to but for filing an Answer. For example, in New York State, there is a mandatory “Settlement Conference” that is required in every foreclosure action. This Settlement Conference as well as the discovery phase of the foreclosure is an ideal time to remind the bank that over the past several years during the real estate boom that many lending institutions have engaged in unethical behavior by violating various consumer protection laws such as the truth in lending act, the real estate settlement procedures act, the fair debt collections practices act and the Home Ownership Equity Protection Act, just to name a few. Some banks realizing that they violated these consumer protections that we have raised as a defense, are likely to renegotiate the mortgage rather than have the court invalidate the mortgage altogether.
-Unfortunately, in some situations, such as answering the foreclosure just before the sale date, is equivalent to putting a band-aid on a gun shot wound. At this point, other options may exist to help you keep your home such a Chapter 7 or Chapter 13 Bankruptcy. Please see the accompanying pages on this website for more information on Bankruptcy.
-I strongly suggest calling this office to discuss your legal options. The sooner you call, the more likely you will be able to defeat the mortgage foreclosure process and keep your home.
-If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
Queens Mortgage Foreclosure Attorneys New York Modification Lawyers Brooklyn Foreclosure Lawyer Long Island Short Sales Sale Staten Island mortgage modification Bronx attorney Nassau Suffolk Long Island best
Duration : 0:2:45
Queens Bankruptcy Attorney Lawyer Brooklyn Bronx New York Staten Island Manhattan Nassau Suffolk NYC
Queens Bankruptcy Attorney Attorneys Lawyer Lawyers Queens Brooklyn Bronx New York Manhattan Staten Island Nassau Suffolk Long Island
Hi, I’m Attorney Neil Colmenares. Welcome to the website for The Law Office of Neil E. Colmenares, a Professional Corporation.
On each page of this website, you’ll find information on the areas of law that interest you. You can also find information about me, Attorney Neil Colmenares, my experience, my education and my legal activities.
It is important to know that I treat every client the same way I would treat a member of my own family—with honest and straightforward advice whose interest I always place above my own. My goal is that every client feel that they have found the best attorney who cares about them. It’s no wonder that most of our clients come from referrals from other satisfied clients.
This office is available exclusively via our brand new state of the art internet office. The days of taking off from work and spending it at your lawyers office are over. This office is never more than a phone call or video conference away. Moreover, we provide after hours consultations to accommodate your schedule. You can be assured we are up to date on the latest developments in the law and that this office uses the latest technology including electronic mail, electronic filing of court documents, electronic storage of documents and video conferencing to better serve your needs.
At The Law Office of Neil E. Colmenares, P.C., we practice in only a few areas of the law to make sure we are, in my opinion, the best at what we do. Remember, a jack of all trades is a master of none. Please know that if your legal needs fall outside of our areas of expertise, we will make every effort to refer you to an honest, diligent attorney who can help you.
This website contains a wealth of information. I encourage you to book mark this site for future reference.
If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone.
Thank you for visiting The Law Office of Neil E. Colmenares, P.C. I hope you found this information useful.
Bankruptcy Attorney Attorneys Lawyer Lawyers Queens Brooklyn Bronx New York Manhattan Staten Island Nassau Suffolk Long Island
Duration : 0:2:6
Loan Modification Scams PSA
MassAttorneyGeneralhttp://gdata.youtube.com/feeds/api/users/massattorneygeneralOne Ashburton Place, Boston MANewsLoan, Modification, Scams, PSA, martha, coakley, massachusetts, attorney, general, public, service, announcementLoan Modification Scams PSA2009-04-08
Duration : 0:1:1
Loan Modification Scams PSA
MassAttorneyGeneralhttp://gdata.youtube.com/feeds/api/users/massattorneygeneralOne Ashburton Place, Boston MANewsLoan, Modification, Scams, PSA, martha, coakley, massachusetts, attorney, general, public, service, announcementLoan Modification Scams PSA2009-04-08
Duration : 0:0:31
John Besser: Harassed By Captain Scott Kent’s Thugs Alexandria MN 06-09-10
Questions can be sent to: besserpaperwork@yahoo.com
Paperwork can be found here: http://besserpaperwork.blogspot.com
Lion News Blog address (URL): http://lionnews00.blogspot.com
On 06-09-10 issues of Lion News were being distributed throughout Alexandria, MN. Thugs wearing badges and guns tried to censor the distribution through a harassment campaign. However, by acting as a team, the vile censors were no match for the vicious pair of lions! Watch the censoring crooks scurry back to their dark holes! Thank you, Lord!
Check out this:
Lion News: Glenwood Cops Give Aid And Comfort To Disorderly Person?
These thugs learned their tactics on how to hide their identity from the people like the City Attorney and the County Attorney, didn’t they? These thugs are taught strategies how to commit a crime and then how avoid the consequences, aren’t they? These crooked attorneys are supposed to protect individual’s rights, not special interest group’s rights! And there is no right to commit crimes, is there?
Don’t Talk To Cops
http://www.youtube.com/watch?v=08fZQWjDVKE
Duration : 0:3:2
Foreclosure and Alternatives
Ron and Zach discuss the process of foreclosure, pros and cons of foreclosure, and alternatives to foreclosure.
Duration : 0:13:14
Do I Have To File A Joint Bankruptcy With My Spouse?
Do I Have To File A Joint Bankruptcy With My Spouse? – Attorney John G. Merna answer the question many spouses have when their partner is considering filing a bankruptcy (Chapter 7 & Chapter 13). www.mernalaw.com
Duration : 0:1:34