The number of people filing for bankruptcy could set records next year. And, while bankruptcy reform artificially spurred the 2005 record of nearly 2.1 million cases filed, this peak will be all about the reality of a Covid-19-blasted economy. https://bit.ly/3hYggxi
FORBES.COM
After The Covid-19 Deluge, A Bankruptcy Tidal Wave?
Two-thirds of those who file for bankruptcy cite medical issues as a factor, according to a study last year in the American Journal of Public Health. https://bit.ly/35Q9JCM
USATODAY.COM
'This is going to bankrupt me': Americans rack up $45B worth of medical debt in collections
Bankruptcy is a legal process that lets people or entities who can't pay their debts obtain some type of relief by having those debts either reorganized or eliminated. https://bit.ly/32KgG64
FOOL.COM
How Bankruptcies Work | The Ascent
Consumer Alerts for the Maryland Attorney General.
Scam Alert: Phony Mortgage Company Representatives are Targeting Marylanders
The Office of the Attorney General has recently been notified of scams involving individuals impersonating mortgage companies. Some of these scammers are calling existing customers of a mortgage company, claiming to be representatives of that company, and offering the customer a loan modification. The scammer may ask for your full name, address, date of birth, and even your social security number. They may tell you that you have to give them this information immediately in order to qualify for the loan modification.
In another scam, individuals posing as mortgage company employees may call and tell you that you need to make a payment, and they may ask for a debit card number, money order, or gift card (this is a major red flag—no legitimate company will ask you to buy gift cards to make payments).
Other scammers may tell you to stop payment on your existing mortgage to make “trial” payments to them instead. They generally provide very “official” looking paperwork for you to sign. Do not fall for any of these tactics—they are trying to steal your personal information or money, or both. Under no circumstances should you ever stop payment on your mortgage. If you fail to pay your mortgage to the company that legitimately holds your loan, you could default on your loan and possibly even lose your home.
Telephone scams are common, and sometimes it can be difficult to distinguish legitimate calls from scammers. The caller ID could display the name of a real mortgage company in hopes they can trick you into answering the phone, but this is a common tactic used by scammers called “spoofing.” If you do receive a phone call that displays the name of your mortgage company, our advice is to ignore the call and let it go to voicemail. Do not call back the number that was displayed on your phone. You can then call the company’s actual phone number—listed on their official website—to ask if they called you and for what reason. If they did not call you, block the suspicious caller’s phone number from trying to reach you again. Never give personal information to a caller you do not know or on a call you did not initiate.
If you have divulged personal or financial information to someone who called you, and now suspect they may have been trying to scam you, call or email our Identity Theft Unit at 410-576-6491 or idtheft@oag.state.md.us to learn how to protect your identity and financial information.
Understand what property might be retained in a bankruptcy filing.
KINDLUNDLEGAL.COM
What Are Maryland’s Bankruptcy Exemptions?
I'm grateful for wonderful clients
5 star review
Positive: Professionalism, Quality, Responsiveness, Value
Three years ago I fell upon hard times. I unexpectedly lost my job and was unable to pay my bills. I did't know what to do. The amount of debt that I had could not be consolidated into a payment plan and my only option was bankruptcy....Jillian is a professional, and caring bankruptcy attorney that helped me navigate a complicated process and...got me through my hardship. She was very understanding of my situation and was there...every step of the way. I don't know what I would have done with out her. If you need a bankruptcy attorney look no further.
Many people could benefit from bankruptcy relief but don't file because of fear, myths or misplaced optimism. https://bit.ly/2SdEklE
NERDWALLET.COM
Fear of Bankruptcy Holds Too Many People Back - NerdWallet
If you’re dealing with old debt, make sure you’re taking the right steps to avoid starting over. https://bit.ly/33SFjNr
BANKRATE.COM
Resetting The Clock On Old Debt | Bankrate
I can help people who are struggling with debt confidently pursue a fresh start.
KINDLUNDLEGAL.COM
Why Bankruptcy Doesn't Have To Be Scary
Recovery from bankruptcy is a step-by-step and often gradual process, and is best achieved by personally committing to good, healthy, financial practices. https://yhoo.it/32sGEZi
FINANCE.YAHOO.COM
How to Bounce Back From Bankruptcy in 5 Easy Steps
If your financial situation has you feeling like there is no light at the end of the tunnel, you may be considering filing for bankruptcy. http://bit.ly/32J7nkt
RD.COM
What Really Happens When You File for Bankruptcy?
The #bankruptcy means test determines who can file for debt forgiveness through Chapter 7 bankruptcy.
NERDWALLET.COM
The Bankruptcy Means Test: What It Is, Why It Matters - NerdWallet
Five ⭐️⭐️⭐️⭐️⭐️ review:
I’m grateful for wonderful clients!
I was at a very low point in my life attempting to get assistance to resolve a financial debt I owed...I tried several legal assistance programs...Kindlund Legal jumped right in providing relief that was not just affective, but that fit my budget. I recommend this Legal service to anyone...wanting to get their financial obligations resolved. Communication was excellent keeping me in the loop for the entire time. Thank you Kindlund Legal...for all your assistance.
https://www.bankrate.com/mortgages/everything-you-should-know-about-mortgage-forbearance/
BANKRATE.COM
What Homeowners Should Know About Mortgage Forbearance | Bankrate
https://dcist.com/story/20/10/26/energized-voters-flock-to-cast-ballots-on-first-day-of-early-voting-in-maryland/
DCIST.COM
Voters Flock To Cast Ballots As Early Voting Starts In Maryland | DCist
Although a bankruptcy filing remains on your credit report for up to a decade, the situation is not quite as bad as it seems. The effect on your credit will diminish over time until it drops off your report completely. https://yhoo.it/35Ee2zp
NEWS.YAHOO.COM
Bankruptcies are expected to surge — but a filing isn't fatal to your credit
Five star review today
I'm truly happy for working with great clients:
SHE'S AN AMAZING LAWYER...SHE KNOWS WHAT SHE DOING..I HAD NO HASSLES WITH HER..SHE MADE THINGS CLEAR AND UNDERSTANDABLE...THANKS FOR YOUR SERVICE KINDLUND LEGAL!!!
It is important to calculate one’s expenses to see if debt is greater than income.
KINDLUNDLEGAL.COM
What If A Person’s Debt Is Too High?
Bankruptcy gives over 700,000 debtors a fresh start every year. Bills for credit cards and medical expenses can be wiped away by a few strokes of a judge’s pen, and debts that don’t vanish are reduced. But student loan debts don’t go away as easily. https://nyti.ms/35pwblg
NYTIMES.COM
For Millions Deep in Student Loan Debt, Bankruptcy Is No Easy Fix
Bankruptcy is often a topic that makes people feel ashamed, insecure, anxious or guilty. The truth is, like any other financial transaction, it’s just business. https://bloom.bg/3pjqJIH
BLOOMBERG.COM
The Ultimate Guide to Personal Bankruptcy in America
Ready for Thanksgiving?
For the more than 68 million U.S. adults with debt in collections, knowing their legal rights is crucial. https://bit.ly/2IWICMV
MSN.COM
What new debt collector rules mean for you
https://www.cbsnews.com/amp/news/eviction-19-million-americans-risk-moratorium-coronavirus/
CBSNEWS.COM
Nearly 19 million Americans could lose their homes when eviction limits expire Dec. 31
A client sent this to me yesterday:
Dear Jillian!
I wanted you to know that when everything seemed asymmetrical, you gave me not only hope but a dose of gratitude and therefore my reason to be thankful. Happy Thanksgiving to you Ma'am.
Filing for bankruptcy is one way to stop wage garnishment. An attorney can advise on whether bankruptcy is the right choice based on your specific circumstances. http://bit.ly/36qLOac
FOOL.COM
What Is Wage Garnishment?
Different types of bankruptcy can lead to different outcomes, and the unique types of bankruptcy are also geared toward different types of consumers. https://bit.ly/2VoJX1P
BANKRATE.COM
Complete Guide: Bankruptcy 101 | Bankrate
💫💫Happy to announce that I’ve been admitted to the Virginia Bar. 💫💫
My practice continues in the areas of bankruptcy, debt settlement and loan modification in Maryland and the District of Columbia and now Virginia too.
www.kindlundlegal.com
#virginiabankruptcyattorney
#loudouncountybankruptcyattorney
It’s still possible to get a credit card after bankruptcy, but you’ll only be eligible for secured cards or cards designed for those with poor or no credit. Your best bet is to apply for a card as soon as you can after your bankruptcy is discharged, or completed, so you can start rebuilding your credit right away. https://bit.ly/3msy7ji
FORBES.COM
When Can I Apply For A Credit Card After Bankruptcy?
After a bankruptcy filing, it’s important for seniors to focus on the fundamentals of financial stability. http://bit.ly/2PLJ4OQ
BARRONS.COM
How Seniors Can Recover From a Bankruptcy Filing
Generally, people choose Chapter 13 when their monthly debt payments are too much to handle but they have a job and want to keep certain assets. If you’ve maxed out your credit cards, you can’t afford to pay for basics like groceries and you’re constantly avoiding phone calls from debt collectors, you might consider this route. https://bit.ly/3qL6F2D
BANKRATE.COM
Complete Guide: Chapter 13 Bankruptcy | Bankrate
Five star review today- I’m so happy to provide service to our clients:
⭐️⭐️⭐️⭐️⭐️
Lawyer Jillian Kindlund is an excellent lawyer. She is responsible and responsive I've never been in safer hands.
Chapter 7 bankruptcy is a way for Americans down on their financial luck to sell off assets and have specific debts discharged by a bankruptcy court. http://bit.ly/37TAt2G
THESTREET.COM
What Is Chapter 7 Bankruptcy?
Whatever the reasons for your bankruptcy, it’s important to emphasize that the past is behind you, and demonstrate the steps you’re taking to rebuild your credit and build a stronger future. And that sort of fresh start is precisely what bankruptcy promises. https://cnb.cx/3hpjoUj
CNBC.COM
There is life after declaring personal bankruptcy, but it comes with some big costs
Are you facing a mountain of debt and not making any progress surmounting it? Bankruptcy may be the tool you need to get over the hump.
NERDWALLET.COM
What Is Bankruptcy? - NerdWallet
Before taking the big leap into bankruptcy, consult a bankruptcy attorney and learn the facts about how credit scores treat bankruptcy. You just may be able to minimize the damage and get a jump on re-establishing your credit after filing.
MARKETWATCH.COM
7 common myths about how bankruptcy affects credit
Bankruptcy will stay on your record for up to seven years to 10 years, depending on what chapter you file. The good news, however, is that you can establish good credit even with a bankruptcy filing on your record. https://bit.ly/2FBtLQC
FOOL.COM
How to Rebuild Credit After Bankruptcy | The Motley Fool
FIVE STAR REVIEW POSTED TODAY
2021-01-25
*****
2020 wound down with it’s negative effects dominating our-lives, scared, wounded and living anguished. Angel Jillian is the tool that is used by the Lord to cause hope and bring joy to others. Through her technical capabilities, Jillian labors to help the anguished with total devotion and commitment. You are truly a peoples servant. As for my household, we shall always carry you in our shirt pockets. Thank you for your service. Michael
— Mike
I'm grateful for wonderful clients
Five star review posted 3 days ago:
Jillian is a true professional. She is always there whenever you need her. She's very proficient with her time managment and very organized. Very easy to communicate with as well. I would definitely recommend her to any of my family and friends who are in need of her services. Kudos to you Jillian for making what I believed was the worst nightmare of my life into the brightest path of my future. Thank you!
Before you sign a reaffirmation agreement, it’s a good idea to consult a bankruptcy attorney. An experienced attorney can help you determine if it’s the right fit for you and, if it is, make sure that you do everything correctly and in your best interests. https://bit.ly/3trpr0e
BANKRATE.COM
What Is A Reaffirmation Agreement? | Bankrate
https://www.nbcnews.com/news/amp/ncna1257983?fbclid=IwAR0RRDYZc2iuI_lrCQ3BJTBr-2Ikwx6D3Gb4IN3Q3Y7ME9iRSXRnwN4zodE
NBCNEWS.COM
Biden extends foreclosure moratorium, mortgage forbearance through June
Pursuing bankruptcy can be scary, but a legal professional can help adults take the first step.
KINDLUNDLEGAL.COM
Overcoming The Roadblocks Of Bankruptcy
Having the right plan can help you recover from bankruptcy quickly. https://bit.ly/3tpKlwN
FORBES.COM
3 Steps To Ensure A Remarkably Fast Recovery From Bankruptcy
What if you hear from a debt collector who is trying to collect on debt discharged in bankruptcy? Although attempting to collect on such debt is not legal, that doesn’t deter some debt collectors. You have several options for fending off unscrupulous debt collectors. https://bit.ly/3k1i7nR
BANKRATE.COM
Can a Debt Collector Try to Collect On Discharged Debt? | Bankrate.com
Becky and me in the home office, where we've been during the Pandemic.
Meet Becky Chance our Legal Assistant who works behind the scenes to make everything go smoothly. She does an awesome job!
Feeling Grateful for wonderful clients
FIVE STAR REVIEW RECEIVED TODAY
Lawyer Jillian Kindlund was Excellent managing my recent Chapter 7 Bankruptcy with remarkable professionalism and dedication. She was there for me every step of the way. She give knowledgeable advice and instructions to accomplish a prompt and just resolution of the case. I am verry grateful for her service. I would happliy recommend her to my family and friends. Thank you Mrs. Jillian. from Russell.
There may not be relief for every type in the process.
KINDLUNDLEGAL.COM
What Taxes Can Be Wiped Out With Bankruptcy?
Bankruptcy cases at a low right now but could increase
