United States bankruptcy law identifies a category of persons known as “insiders.” Typically, an “insider” for bankruptcy purposes is a family member or a close personal friend to the person filing bankruptcy. In cases where a business is involved, an “insider” may also be a close business associate or partner. Persons potentially filing bankruptcy should avoid insider transactions which actually … Read More
Filing Bankruptcy with Tax Refunds
One of the biggest challenges facing debtors filing bankruptcy is coming up with the money to pay their filing and attorney fees. After all, if a person’s financial challenges are great enough to consider filing bankruptcy, the household budget is already pretty tight or in serious deficit. Most savings have already been exhausted by potential bankruptcy clients before they even … Read More
Chapter 13 Bankruptcy Cannot Modify Secured Debts on Mobile Homes
Changes in the law relating to titling of manufactured homes have recently been made in Missouri. This affects the way filing Chapter 13 bankruptcy alters or doesn’t alter your mobile home debt. 442.015.1 of the Missouri Revised Statutes now specifically state that “for the purpose of 11 U.S.C. § 1322 (b)(21), a manufactured home shall be deemed to be real … Read More
JP Morgan Chase to Pay $50 Million for Breaking Bankruptcy Law
According to the Consumer Bankruptcy News, the United States Trustee Program, which is affiliated with the U.S. Department of Justice, has entered into a national settlement agreement with JP Morgan Chase Bank N.A., requiring Chase to pay more than $50 million, including cash payments, mortgage loan credits, and loan forgiveness, to more than 25,000 homeowners who are or were filing … Read More
RGG Law Discusses the SSA 2015 Budget
In 1994, the Social Security Administration (SSA) had approximately 70,000 employees compared to its current staffing levels of 62,000. In the fiscal year 2014, SSA officials processed 2.86 million applications for disability benefits. This is fewer than anyone, RGG Law and the SSA included, expected and may be due to a strengthening economy. However, the number of people denied on an … Read More
Tips from Disability Lawyers: Judge Approval Rates
When a disability case or a social security disability appeal is set for a hearing, the name of the Administrative Law Judge (ALJ) assigned to the case is usually identified in the Hearing Notice sent out by the Social Security Administration. As these judges are executive branch appointees, the disability lawyers who regularly deal with them may know their personalities … Read More
A Disability Attorney’s Tips on MS Disability Cases
If you have Multiple Sclerosis (MS) and wish to have a disability attorney help you pursue a disability claim with Social Security there are several things you should know. Some of these tips are sound advice for any disability case and others relate specifically to those living with MS. One of the hardest things for someone with MS is deciding … Read More
An Experienced RGG Law Attorney Fights for Client in Federal Appeal
Attorney Jon Gold of RGG Law appeared in Kansas City on February 25, 2015, before a three-judge panel of the United States Bankruptcy Appellate Panel (BAP) for the Eighth Circuit. He was representing an RGG Law client who was filing bankruptcy. While most bankruptcy cases do not involve contested matters or appeals to higher courts, those with more complicated financial … Read More
Chapter 13 Bankruptcy Filing Goes up in Smoke
A couple in Colorado who operate a marijuana business filed Chapter 13 bankruptcy proposing to pay their creditors with money earned through the sale of marijuana. While the state of Colorado has legalized the sale of marijuana it is still against Federal law. Because of this, the Bankruptcy Judge dismissed the couple’s case stating the Federal Bankruptcy Court cannot … Read More
A Disability Attorney Can Cross-Examine Vocational Experts
Approximately 3.6 million people live in the State of Missouri. Of these residents, approximately 194,000 receive disability benefits from the Social Security Administration. Each year, thousands more contact a disability attorney and file for Social Security disability in Missouri. Unfortunately, if history is any indication of future approval rates, the SSA will deny almost 70 percent of the new claims. … Read More