Access To Court Records

“Don’t tune in to anybody who tells you he handled his own bankruptcy and everything went just fine.” says the writer of your book on bankruptcy. The writer says that, while he just wants one to purchase his book. I filed for bankruptcy myself in 2007, and everything went perfectly, and that i do not even think about myself the fastest horse in the race, either. But, if I can perform it…anyone can perform it! I saved a lot more than ,000 by carrying it out myself!

In 2005, the Department of Veteran Affairs and Social Security declared me to be disabled, so I knew I was going to have to file for bankruptcy at some point in time, etc. I couldn’t repay your debt I’d acquired throughout the last couple of years.

As a result of new bankruptcy law, that came out in 2005, the hips could be about ,500 that we could not afford. Legal court filing fee is 0 and has being paid, and there’s no making your way around, unless you’re vegetable, etc.

So, about a year went by, and I still hadn’t done anything in regards to the filing, and the bad credit report was going to hurt me in the future unless I filed. And, eventually, I just read a spot, that an individual could file for bankruptcy minus the aid of your attorney. In that case, I really could save over ,000, and that i would not be pleased with myself, unless I at least tried. As mentioned previously, I’m not the quickest horse in the race, etc.

I believe my biggest asset in doing this was patience. I allowed myself about four months, to master a few things i could about bankruptcy laws on filing, etc. I visited the U.S. Bankruptcy court website and i also started down-loading the forms that have been required. I done vid tiny bit at a time, to get familiar with that which was needed by the court.

In an article written by Frances Cerra Whittelsey and entitled, “Down and Out,” and the real question is asked, Are bankruptcy reforms catching deadbeats or bullying the destitute?” This article procedes to read, “Since a hardcore new federal bankruptcy law went into effect in 2005, the quantity of Americans going to court to eliminate their debt has plummeted. ‘It’s tough to make a long-term prediction, nonetheless it appears like the newest law is working as intended, reducing abusive filings and filings of convenience,’ says Laura Fisher from the American Bankers Association in Washington.

“That’s patently ridiculous,” counters Brad Botes, a part from the National Association of Consumer Bankruptcy Attorneys. He thinks it is just a few time ahead of the variety of personal bankruptcies is back around pre-2005 levels. ‘The problem is there to stay: too much easy credit.’ Companies continue to send credit cards to anyone who has a pulse…also to some who don’t.’

The argument continues…

In my case, everything I desired was downloaded in the Bankruptcy Court’s web site. And, the court is quite fussy about how precisely situations are done, therefore you are planning to file for bankruptcy, you’d better have everything the way the court wants it, etc. If you don’t, your case is going to be dismissed you’ll also find to start out once again, and pay an additional court fee!

I set a date for my filing, and two weeks before I filed, I went down for the courthouse, to ask a few questions about my case and some a few things i wasn’t clear on. I’m glad I did so, because the woman afflicted me with a few new forms and struck out several things I did not have to do. Whenever you down-load each one of these forms off the court’s website, you are given tutorials about what to do when to do it, etc. When the court requires having a credit counseling course and filing the conclusion certificate…DO IT! If the court says to submit a money order or a cashiers check…do not come bobbing in with one of the rubber checks to cover the filing fee! PLEASE!

I made two copies of all the forms, and that i done one of the occur pencil, took notes, so when I had been satisfied that everything was correct, I completed the copies with ink to turn into the court, etc. All the instructions are clear from your court. Follow them and you should haven’t any problems.

When filing day came, I went down for the courthouse and gave my manilla envelope with my forms and my floppy disk. The first thing the girl did, was to check my floppy disk, to find out easily tried things right or otherwise. When the instructions call for you to invest creditors on the disk…on NotePad…do not wear it Word or WordPerfect. Everything around the disk was okay, and she explained to attend about Quarter-hour rather than to go away the office.

After about A quarter-hour, the lady gave me a receipt for the investment order; stamped copies of the forms and instructions for an additional step. I had been to go to a creditor’s meeting within three weeks on the 12th floor with the courthouse. Meanwhile, I needed to go to and finish an economic management course, which will last all morning, and mail the completion certificate to the courthouse.

Last but not least, I had to attend a creditor’s meeting, that is an empty, public meeting to allow the creditor’s to contest the filing or speak out as they might. No credidor’s showed up. Through the meeting, the Unique Master, activates a tape recorder, swears you in, and asks you three questions. This method doesn’t take very long, and then you might be dismissed. If everything is done correctly, you will get one last approval in the court within 4 to five months. Best of luck!

Find absolutely free information, documents, video tutorials and manuals to do it yourself bankruptcy at http://www.doityourselfbankruptcysite.com. Get everything you need and usage of a forum maintained with a board certified bankruptcy attorney. They feature a free membership that can benefit from…

When people are flooded with debts, and they see no way out of their situation, they start thinking bankruptcy could be the only possible solution towards a debt free life. Almost all debtors are not aware of two main points about bankruptcy:

- Bankruptcy is not a wise method for debt solution
- Bankruptcy brings noxious consequences, affecting financial and social status

Here is a list of the aforementioned noxious consequences:

1. A bankruptcy filing remains on a Credit Report for as long as 10 years, and it also stays on Court Records for as long as 20 years. Thanks to this, your chances of getting a loan and even a job again, will be minimal.

2. You can also lose valuable assets when filing for bankruptcy, or you have to pay the equivalent in money.

3. As we said before, your financial and social status will be deeply affected. People tend to loose faith upon someone who has filed for bankruptcy.

4. If a business owner files for bankruptcy, he will suffer the same consequences as any other person who has filed for bankruptcy. He will not qualify again for a business loan.

5. After declaring bankruptcy, your bank accounts will be closed, credit cards, and everything that has been bought on hired purchase, such as a car or a house will be returned to the owner.

People really need to understand how the bankruptcy process works in order to use it as a last resort, and not as an easy way out.

Not true about Bankruptcy

- Bankruptcy will not get rid of all of your debts. There are some debts that cannot be canceled, such as tax claims, alimony, child support, among others.

- Although bankruptcy relieves the pressure of debt, it still leaves so many consequences that it does not feel like a fresh start. Because of this, bankruptcy is considered a temporary relief.

- Bankruptcy laws are rigorous about including all your accounts. You will not be given the chance to hide any account from the bankruptcy process.

- Bankruptcy turns you into a debt free person at the cost of your assets, either by liquidating them or by putting you into a new payment plan.

Remember, you can always choose and try many different solutions to become debt free; but one thing is for sure, Bankruptcy should only be used when other options fail to work; use it as last resort.

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I (stupidly) gave a few thousand dollars to a so-called music producer who ended up being a total sociopath, asshole, and a downright scam artist. He did the whole, “I’ve got all the industry contacts, I’ll get you on Billboard,” blah blah blah. We recorded a couple of songs but he basically half assed them, treated me like garbage the whole time (mentally and verbally abusive) and took all my money. When I finally had the guts to tell him I didn’t want to work with him anymore I had stupidly already pre-paid him for a song we never did. I went to small claims court to sue him for the money back. He didn’t show up, and I presented my case to an arbitrator and won $1100. Needless to say, he never paid me. This was a year ago. Did you know that the courts don’t really care if the defendant never pays you? They certainly haven’t gone after him. They actually told me to get his social security number! Luckily my dad is a detective and did a background search on this guy. Turns out he’s filed for bankruptcy so he doesn’t have to pay me back…????
Anyway, since then, I’ve been in contact with his former assistant and a few other people who worked with him. ALL of them had similar experiences–Many were promised big things from him, but in the end, never got their finished product and had lost all their money b/c like me, they all paid him up front. Turns out he has several other judgments against him in small claims court which he has never paid also.
Now, he supposedly has his own record label. I’m still SO ANGRY at this horrible man and what happened, and so many others are angry and frustrated too. So many people got conned. Should I get everyone I know that worked with him to write to the attorney general? Seriously, I can’t let go of my anger. I’ve never met a bigger dirtbag in my life. Thank you in advance for reading and commenting.

Is it legal since it they were seized from the tax preparer?
Is this a way to end identity theft and illegals fraudulently using social security cards and ITIN numbers?

Paying taxes comes back to bite illegal immigrants

By Ivan Moreno
Associated Press Writer
Updated: 05/30/2009 11:18:25 AM MDT

GREELEY, Colo. – Immigrant advocates say they’ve seen nothing like it before or since: A prosecutor looking for illegal immigrants seized thousands of confidential tax records from an income tax preparer popular with Hispanics in this northern Colorado city.

The October seizures led to identity theft and criminal impersonation charges against more than 70 people, and prosecutors allege that as many as 1,300 suspected illegal immigrants were working using false or stolen Social Security numbers.

But the American Civil Liberties Union said the documents of as many as 4,900 people were seized, many of them legal residents, and that the probe was the “equivalent of a house-by-house search of innocent homeowners in order to find a suspect believed to be somewhere in the neighborhood.”

Two judges have agreed, ruling that Weld County District Attorney Ken Buck had no probable cause to seize the records. Buck is appealing, however, and a ruling in his favor could open up a new avenue for prosecuting illegal immigrants.

The charges have been ironic for immigrants like Horacio Arturo Cervantes. The 42-year-old father of four from the Mexican state of Chihuahua said he had been honest about paying taxes, even though he was in the country illegally, because he was hoping for a path to U.S. citizenship.

Cervantes pleaded guilty to identity theft before the judges’ rulings, and now faces deportation. He said he pleaded because he wanted to get out of jail and try his chances in immigration court.

“I feel like I’m up in the air, not knowing what’s going on, just with a desire to stay here,” he said in an interview in Spanish. His next court date is June 23.

Buck’s investigation, dubbed Operation Numbers Game, marked the first time a prosecutor used tax records to charge illegal immigrants with identity theft, according to the ACLU and the Los Angeles-based National Immigration Law Center. Officials with both groups said they knew of no prosecutor who has tried it since.

Buck’s probe triggered a conundrum: The people charged allegedly are in the country illegally and were fraudulently using Social Security numbers. But the Internal Revenue Service requires them to pay taxes, and those records are confidential.

Buck declined to be interviewed for this article because of pending appeals. But in a February interview, he argued that “if you’re in this country illegally, and you’re working in this country illegally, there may be a requirement that you pay taxes but it’s kind of ridiculous.”

Buck has argued that the records aren’t confidential because they were seized not from the IRS but from the tax preparer.

The investigation started after a Texas man alerted Weld County authorities that his identity was being used. The suspect in that case told authorities he had filed his taxes with Amalia’s Translation and Tax Services, a business widely used by immigrants in Greeley, where one-third of the population is Hispanic.

To pay their taxes, Amalia Cerrillo’s customers used Individual Taxpayer Identification Numbers, which the IRS issues to people without Social Security numbers. Foreign nationals with U.S. investment income also use ITINs. Those charged in Operation Numbers Game allegedly used others’ Social Security numbers to work and their own ITINs to pay taxes.

ITIN filers had an income tax liability of $50 billion from 1996 to 2003, according to the latest IRS figures available. Former IRS Commissioner Mark Everson told Congress in 2006 that ITINs were “bringing taxpayers into the system.”

IRS spokeswoman Nancy Mathis said ITINs solely track tax returns and don’t convey or record immigration or work status. Nor do they give immigrants the right to work in the U.S.

Buck had said more identity theft cases were possible, and that prosecutors in other states were interested in his investigation, but Larimer County District Judge James Hiatt halted it in April. Ruling in favor of the ACLU, he said investigators violated privacy rights by seizing the tax documents and that their search was over-broad. Hiatt likened the search to taking medical records from a doctor’s office because one patient was a suspected drug user.
Weld County District Attorney’s Office: http://www.co.weld.co.us/departments/da/index.html
excuse me, but identity theft does ruin peoples lives every day. would you not be able to buy a house etc… because someone used your identity, would you like to pay someone elses debt because they used your info. it is not a victimless crime at all!
cheatly- You call everyone else a racist, but your profile shows the real racist, another who blocks people but will answer their questions, low, low low, ha ha ha!