Areas of Practice
social security disability
The Social Security Administration pays benefits to people who cannot work because they have a medical condition that is expected to last at least one year or result in death.
Social Security Disability SSDI is a payroll tax-funded, federal insurance program of the United States government. Informal names for SSDI include Disability Insurance Benefits (DIB) and Title II benefits, named for the chapter title of the governing section of the Social Security Act. The Social Security Administration pays benefits to people who cannot work because they have a medical condition that is expected to last at least one year or result in death. In order for one to be considered as a recipient, Federal Law requires this very strict definition of disability be applied.
Chapter 7 bankruptcy
This chapter is often referred to as “liquidation” and grants qualifying debtors a discharge of all prepetition non-priority debts.
A typical chapter 7 case takes anywhere between three to four months to conclude after filing. It is extremely important that one discloses all of their income, assets, and expenses on their petition. Contrary to the belief of most, there are circumstances where one may be legally prohibited from filing a chapter 7 case. This is mostly attributable to the amount of disposable monthly income available to the debtor after expenses are accounted for.
chapter 13 bankruptcy
This chapter is often referred to as a reorganization and it allows a debtor to keep property acquired by loan while making timely monthly payments through a court approved plan.
A chapter 13 case takes anywhere from three to five years to conclude. It is of critical importance that one identifies the reason why a bankruptcy filing is necessary in order to identify which chapter is most appropriate for their circumstances. It should be noted that The Bankruptcy Code may legally preclude one from filing either a chapter 7 or a chapter 13 petition. Once a chapter 13 payment plan is confirmed by the court, one must adhere to the plan through completion in order to receive a discharge after the last payment is made.