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    1. D

      Will I go Chapter 7 or Chapter 13

      Maybe my math is wrong but it looks like you will have $350.00 a month to pay off your debts. When you remove the CC payments. That would put you in a BK 13. At present I am looking at having to pay $300.00 month Don't count your unsecured debts when you calculate expenses.
    2. D

      BK7 to BK13 ?

      definition of insolvent "But if you can show the IRS that you were insolvent"? Do you know how the IRS determines being insolvent? If you have more debt than assets or you can't pay the minimum payment on debts, etc. It seems that different agencies have thier own definitions or criteria. Thanks
    3. D

      BK7 to BK13 ?

      Thanks for the reply, the loan agreement is the reason we have to try to do the BK 13. We had an agreement signed back in 1998, but none of us new it had to be recorded, to place a lien on the business we bought to make it legal. We paid all the payments for 5 years to the loan company and the...
    4. D

      BK7 to BK13 ?

      OK I quess that question is no good. So how about this. In a BK 13 our payment will be about $300 month for 3 years. or $10,800 Now that will end up to be after attorney and trustee fees less than 10% of the amount we owe. If we contact our creditors and offer them 20 to 30% and they accept...
    5. D

      BK7 to BK13 ?

      Shorter question I hope this is better I removed a lot of text, just want to know how a BK 13 works, when It comes to insider payment???????????/
    6. D

      BK7 to BK13 ?

      What is the name of your state?CA We have to change from our BK7 to BK13 due to a loan from my in-laws that we did not do correctly back in 1998 when we borrowed money to buy a business. In 2003 we had to sell the business and we paid off that loan. After waiting well over a year to file BK7...
    7. D

      Income tax

      What is the name of your state? CA My question is about income taxes. I have extra tax taken out of my check to help pay down income tax I owe from 2003. $40.00 extra for Fed. and $30.00 for state weekly. I also pay them a monthly payment. Will the trustee be able to tell what my withholding...
    8. D

      Paperwork ready to file for BK; Anyone heard of 20% settlement with CC companies?

      Don't forget this When you settle with the CC company they report the amount to the IRS and now you will owe taxes on that amount. So if you settle, make sure you calculate how much tax you will owe. We have also not paid on our CC debt for about 6 months and have received many offers from...
    9. D

      Can we terminate this person?

      Well they finally got back to me and again it is a no go. The excuse this time is because I gave him a raise last Dec. during the yearly review that we can’t terminate. Because that shows he was a good employee. I said did you read the review; I lowered the amount due to the way he interacted...
    10. D

      Can we terminate this person?

      Thanks for your input. I having a meeting setup with HR for Monday. I don't expect much but I'm going to try. If this was my company I would have fired him some time ago. But it isn't my company.
    11. D

      Can we terminate this person?

      How to word the notice Thanks for the reply. I think the part about sexual harassment is part of the problem, as they have had an on and off relationship. I don’t think the HR person is 100% sure that the problems are all his fault. I guess his biggest problem is, she leaves her personal life...
    12. D

      Can we terminate this person?

      What is the name of your state? CA I have been a manager at my present company for 2 ½ years now. I have an employee that is a 52-year-old white male who has been here 7 years. This person has had an on again off again relationship with a co-worker (who is an over 40 Hispanic women) before I...
    13. D

      Corp. startup cost

      What is the name of your state? CA What is a realistic cost of starting a corporation and to maintain it on a yearly basis? Base it on the business operating at a break even rate for taxes? We are trying to estimate the amount of capital we will need for up to 3 years. And would the operating...
    14. D

      Commerical lease insurance

      What is the name of your state? CA Anyone know what the standard insurance clause is when you lease a building. And you have to pay to cover the landlord. This is for a small market & deli Thanks
    15. D

      Commerical lease & 1031 exchange

      1031 Exchange Maybe I asked too much. The basic question I would like to know. Is a 1031 exchange considered a sale? I know for tax purposes it isn't. To me if ownership of a property changes hands it is a sale. Any thoughts. I called our attorney, will be out of town until next week, is...
    16. D

      Commerical lease & 1031 exchange

      What is the name of your state? CA I lease a business location. We have 8 years left on our lease, and it can be transferred. We are in the process of sell the business and yesterday the landlord told the buyer that he is in the process of selling the property. As a way of getting out giving...
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