- Child SupportUnder the FDCPA, a debt collector is any person or company, other than your original creditor, who regularly collects debts owed to others. This includes attorneys who regularly collect debts. The debts that are covered by the FDCPA are those that are primarily for personal, family, or household purposes. If you have a debt that is for a business, alimony, child support, criminal fines, and tort lawsuit claims are generally not considered debts within the scope of the FDCPA.
- Spousal SupportNon-dischargeable debts that typically must be paid. These generally include tax debts, student loans, government fines, court fines, as well as child and spousal support.
- Wrongful Death
- Fraud
- Theft
- Identity TheftRecently, of all people, I was a victim of identity theft. That’s right, me, a bankruptcy and consumer protection attorney was a victim of identity theft. My experience has motivated me to share what happened and how I handled it. Approximately 9 million Americans are victims of identity theft every year. Considering how often it happens, it is important to be ready and on guard if it happens to you.
- Property DamageAccidents happen, but when the accident is caused by the negligence of another, you may be entitled to a financial reward from the responsible party to pay for your pain and suffering, medical expenses, property damage. David I. Pankin P.C. is dedicated to helping our clients to achieve the highest possible settlement or award for their legal matter.We pride ourselves in giving our clients the attention they deserve. From assistance with completing complicated medical forms, hiring investigators a case may require, and standing by you until justice is obtained
- Personal InjuryA bankruptcy petition preparer cannot advise or prepare a debtor for the mandatory 341 meeting of creditors. At the meeting, a debtor will be questioned under oath by the assigned bankruptcy trustee. That trustee will typically verify the debtor’s identity, and ask them questions regarding assets set forth in their petition and possible assets not identified in their petition. They will also ask questions regarding claims they may have such as a personal injury claim or the right to receive money, any payments to creditors (including family and friends) that may be improper preferences and any previous transfer of assets. Creditors, it should be noted, do not typically appear at this hearing, but they may. Additionally, the United States Trustee has the right to ask questions of any debtor. The U.S. Trustees are a component of the U.S. Department of Justice and are distinct from the bankruptcy trustee assigned to your case. They monitor the conduct of parties in a bankruptcy, oversee administrative function in the Bankruptcy Court, and act to ensure compliance with applicable laws and procedures.
- Medical MalpracticeDavid I. Pankin P.C. offers a FREE in home and in hospital consultations for victims of both unfortunate accidents and medical malpractice. Our professional staff will contact you within 24 hours of receipt of the form.
- Auto Accidents
- Dog Bites
- BankruptcyThey cannot advise a debtor regarding the applicability of bankruptcy means test and how it is computed. The means test is a budget test required for most bankruptcy cases when the debtor’s household income is above the median income for their household size. Properly computing the test is more than just inputting figures into a software application. One has to know what income to input and what deductions can properly be used. Filing for chapter 7 bankruptcy with an inaccurate means test result can result in dismissal of the case or force a debtor to convert to chapter 13 bankruptcy, which has a required payment plan to pay back a certain amount of debt to creditors.
- Foreclosure
- Debt CollectionAdditional areas in which class actions help protect consumers include debt collection, abusive mortgage lending, credit reporting, non-payment of overtime, and securities claims. For example, suppose a company issues an allegedly false press release and the stock goes from $10 to $15 but when the truth comes out the stock falls to $6 per share. A class action could be brought on behalf of all the stockholders who purchased shares after the company issued deceptive news and before the truth came out. Each member of the class allegedly suffered some harm as a result of the alleged wrong. The damages each member of the class will vary — someone who bought 1,000 shares at $15 each would be 10 times more impacted than a person who bought 100 shares at $15 — but the critical issue is whether the press release was deceptive, and that is common to all class members.