Earlier this year, Federal Rule of Bankruptcy Procedure 1007(b)(7) was introduced to give Debtor Education providers the ability to file certificates directly with bankruptcy courts nationwide. However, this rule is not a requirement for providers and therefore, not all have chosen to participate. In these cases, the debtor or their attorney must file the certificate with the court directly.Read More
Start Fresh Today Bankruptcy Blog
In a post last week, we covered 10 of our most frequently asked questions. Because just one post wouldn’t cover all of them, we’d like to cover some more! Every month thousands of consumers going through Chapter 7 and Chapter 13 bankruptcy come to Start Fresh Today to fulfill their bankruptcy certificate requirements. Our in-house customer service team is here to help you through the process and answer any questions you may have. But for your convenience, we’ve also compiled a list of 7 more of the most frequently asked:Read More
“To help consumers regain their financial stability and educate them through the bankruptcy process. We provide an innovative platform of products and services for consumers, attorneys and agencies, while exceeding the expectations of our customers, team members and stakeholders.” This is Start Fresh Today’s mission statement and it hangs in our office lobby for all to see to remind us of why we are here each day. Our committed customer service team and our attorney relationship managers are on the frontlines each day serving clients with unwavering commitment and care.
Although we offer extended hours, the option to chat live, and have strived to make completing the Credit Counseling and Debtor Education as seamless as possible, questions still arise. Thanks to the help of our customer service team, we’ve compiled a list of 10 of the most frequently asked questions:Read More
Tags: Bankruptcy Courses
In 2005, after the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was enacted, Start Fresh Today was founded. Since then, the bankruptcy attorneys and technology professionals behind Start Fresh Today have been committed to offering innovative solutions beyond the Credit Counseling and Debtor Education.Read More
Tags: Due Diligence
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Celebrities are not exempt from financial troubles. Just as quickly as they rise to fame and fortune, they can find themselves millions of dollars in debt owed to creditors and the IRS. Often times people in the entertainment industry spend years struggling to make ends meets until they get their "big break." When that happens, they suddenly have more money than they ever imagined. As a result, they hire attorneys, accountants, and insurance professionals to help them manage everything that comes with their newfound fame. Unfortunately, they don’t always know what is being done on their behalf or they just don't seek any help and mismanage their money.
We're all susceptible to financial woes and celebrities are no exception - especially when they have more discretionary income. Here's a list of 5 celebrities and their stories of fame, fortune, and misfortune:
1. M.C. HammerRead More
Tags: Celebrity Bankruptcy
Last week President Obama exercised his executive authority and made more borrowers eligible for an existing program capping student loan repayments at 10% of an individual’s monthly discretionary income. In addition, after 20 years in the Pay As Your Earn Program, any remaining debt is forgiven but the balance is subject to federal tax income for the majority of borrowers. However, the law will not go into effect until the end of 2015.
Pay as You Earn Program
To qualify for Pay As You Earn, borrowers must have a partial financial hardship, meaning if the monthly amount required to be paid on eligible federal student loans under a 10-year Standard Repayment Plan is higher than the monthly amount required to be repaid under Pay As You Earn.
“’While the Pay As You Earn directive is a positive development and will particularly help graduates in public service jobs, it may not come close to helping the 5 million or so borrowers the administration believes will qualify for the program,’ said Mark Kantrowitz, senior vice president and publisher of Edvisors.com and a nationally recognized college financing expert. At best, Kantrowitz expects several hundred thousand borrowers to enroll,” as reported on Reading Eagle’s Money section.Read More
FORT LAUDERDALE, June 25, 2014 -- Start Fresh Today, a leading provider of Credit Counseling and Debtor Education since 2005, is now also offering credit reports to credit bureau-approved bankruptcy attorneys. For bankruptcy attorneys already approved by another due diligence provider, a $420 credit will be offered as an incentive to switch by July 2, 2014. The official website launch will be tomorrow, Thursday, June 26th.Read More
Tags: credit reports
It has been reported that companies that blog get 55% more website visitors. Even better, blogging also results in 88% more leads than companies that don’t. So how does that sound to you – getting 88% more leads and potential clients each month? Whether you run a small bankruptcy practice or a large firm, chances are you are constantly seeking to help new clients in financial distress.
As you know, along with the bankruptcy process comes many legal complexities that most consumers are not familiar with. As a bankruptcy attorney you have the answers, so what better way to earn people’s trust and build thought leadership than to answer their frequently asked questions through the World Wide Web. The perfect platform? Your website’s blog.
Building Your Bankruptcy Practice through Your BlogRead More
1. “Life is 10% what happens to me and 90% of how I react to it.” – Charles Swindoll
Illness and job loss are two examples of unforeseeable life circumstances, offering us the choice of whether to become victim to such events or stand tall and persevere through them. With unpaid medical bills being the leading cause of bankruptcy filings - affecting nearly 2 million people last year, chances are you are not alone. How you react to what happens to you in life makes up who you are. If you’ve found that filing for bankruptcy is your only option for financial relief following a period of distress, then take action and try not to dwell on events beyond your control—the 90% is what counts.Read More