Attorney-Prepared Legal Documents, including legal advice from Haveman Law Ofice available for purchase online

Attorney-Prepared Legal Documents, including legal advice from Haveman Law Ofice and are offered at the fixed prices listed below.

How it works:

1. Click on a document name to purchase it.
2. Complete a simple, online Questionnaire and submit it to us via this web site.
3. An attorney will review your submitted Questionnaire and contact you if additional information is needed to clarify your intent. If necessary, your Attorney will draft language to make sure the document reflects your intent and is right for your circumstances.
4. When your completed document is ready, your Attorney will upload it to your MyLegalAffairs™ web space and notify you via e-mail.
5. Simply log into your secure web space to review, download and print your completed document.

Check out the Online Store by clicking this link!

Incorporation Package - Includes Bylaws, Articles of Incorporation and EIN ............$225.00

 LLC Package - Includes Operating Agreement, Articles of Organization and EIN.....$175.00

 Will Package - Married - MI...................................................................................$225.00

 Will Package - Single - MI......................................................................................$175.00

How do I improve my credit position after bankruptcy?

How do I improve my credit position after bankruptcy?

Republished with Permission © 2011 Nolo.

QUESTION:
I filed for Chapter 7 bankruptcy seven years ago. I've been told that it takes ten years for a Chapter 7 to "fall off" your record. Is there anything I can do in the meantime to get a lower rate on my car loan and credit cards?
ANSWER:
There are many things you can do to improve your credit. First, get a copy of your credit report and make sure it's accurate. To get lower interest rates, ask your lenders. Your bankruptcy is old enough now that it should carry less weight than it did a few years ago. If you have been making your car and credit card payments on time and your recent credit looks good, your creditors may very well lower the rate.
You might also contact your bank and ask whether you can obtain a personal loan with a lower interest rate than your car loan. Use the money from the bank loan to pay off the car loan. You'll still have to pay the bank loan, of course, but at least you'll have a better interest rate.

Attorney-Prepared Legal Documents, including legal advice from Haveman Law Ofice and are offered at the fixed prices listed below.

How it works:

1. Click on a document name to purchase it.
2. Complete a simple, online Questionnaire and submit it to us via this web site.
3. An attorney will review your submitted Questionnaire and contact you if additional information is needed to clarify your intent. If necessary, your Attorney will draft language to make sure the document reflects your intent and is right for your circumstances.
4. When your completed document is ready, your Attorney will upload it to your MyLegalAffairs™ web space and notify you via e-mail.
5. Simply log into your secure web space to review, download and print your completed document.

Check out the Online Store by clicking this link!

Incorporation Package - Includes Bylaws, Articles of Incorporation and EIN ............$225.00

 LLC Package - Includes Operating Agreement, Articles of Organization and EIN.....$175.00

 Will Package - Married - MI...................................................................................$225.00

 Will Package - Single - MI......................................................................................$175.00

Can the bank take my car after I file for Chapter 13 bankruptcy?

Can the bank take my car after I file for Chapter 13 bankruptcy? 
Republished with Permission © 2011 Nolo. 

QUESTION: I filed a Chapter 13 bankruptcy and have already started paying the court. I sent a payment to the bank for a note owed on my van, but the check was returned. They then came and picked up the van. My work material was in the van along with personal items -- and we have not yet been notified as to where they are. What legal recourse do we have against the bank? 

ANSWER: When you're trying to get back on your feet, it seems especially unfair to have the rug tugged. If payment to the bank was spelled out in your plan -- either outside of bankruptcy or within -- then the bank's action violates a court order, the confirmed plan. Sadly, your recourse is to invoke the slow grinding wheels of justice and sue the bank, within your bankruptcy case. Talk to your bankruptcy attorney about this.

Geoffrey has been practicing law in western Michigan now -- and previously in the Detroit metro area (and beyond) -- since 2005. In that time, he has consulted thousands of clients, and took part in many bankruptcy cases (both Chapter 7 and 13) for individuals and small businesses and helped numerous individuals and small businesses with all their legal needs. In addition, Geoff has volunteered at Freedom House Detroit practicing immigration and asylum law, teaches test preparation classes, and tutors students for standardized tests.
Geoff grew up on a dairy farm in western Michigan -- in his free time he enjoys reading, helping students with standardized test preparation, ice skating, bicycling around town and spending time with his beautiful wife and three children.

Check out the New Haveman Law Office, PLLC Online Version!

See our online store here