Yes. Otherwise, the Chapter 7 trustee will sell the nonexempt property and pay unsecured creditors. U. Most people file either Chapter 7 or Chapter 13, and you're not alone if you don't know how the two differ. Harris has practiced law primarily in the chapter 11 business bankruptcy arena for over 40 years, mostly in Northern Nevada. After Hours / New Clients: 888-297-6203. Bankruptcies are divided into types, also called Chapters. Pham and Stevenson are experienced attorneys that help clients file for Chapter 7 bankruptcy and Chapter 13 bankruptcy at a low cost. The phone call is free, call us today!Chapter 7 Bankruptcy and Chapter 13 Bankruptcy are only two tools in our debt relief arsenal. $1,875 for jewelry. Many individuals find themselves in debt and pursued by creditors demanding payment, often at a time when the debtor can't afford to pay. Wait 90 to 120 days after receiving the letter so your credit reports have time to update with the bankruptcy information, and then request your credit reports from all three national credit bureaus (Experian, Equifax and TransUnion). Vikki Velasquez. A. Having served the Reno business for more than 30 years, we can help with your business law including Chapter. Course 1: The Pre-Filing Credit Counseling Course. The total cost will largely depend on your financial situation, the complexity of your case, and whether you file Chapter 7 or. C. For the past decade she has run our. BANKRUPTCY. In a Chapter 13 bankruptcy , a 3 - 5 year repayment plan is established. is a bankruptcy attorney and the founder of Shmucher Law, PL. You are also entitled to one free report a year from. S. , P. If they are filed correctly, your debts will be discharged, but without an attorney, only one in three people will be successful, and their cases will be dismissed. And it's cheap. (510) 910-1619 39180 Liberty St. Bankruptcy Court,. Law Firms Lawyers. Cooley Law School. 77. To qualify for Chapter 7, your income must be below the state’s median income. Compare the best Chapter 7 attorneys near you and make informed decisions based on 53+ reviews and. About Bankruptcy. Meadows Parkway, Suite 800, Reno, NV 89521. Within one-to-three years, you can. New Hampshire Bankruptcy Chapter 7 Lawyers There are 38 bankruptcy chapter 7 lawyers, with 27. Chapter 7 bankruptcy rules determine who qualifies, how to file, and what debt is eligible for discharge. Individuals usually file for either Chapter 7 or Chapter 13 bankruptcy. Search profiles, find top attorneys and free general information, compare lawyers, law firms on Lawyer Legion. The Chapter 7 federal bankruptcy laws can stop debt collection and provide a clean slate for many individuals. Most bankruptcy. Affordable Chapter 7 Bankruptcy Lawyer In Reno, NV. Make A Payment. Updated: 03/04/2016. Harris Bankruptcy Attorney, Harold C. Updated Nov. CONTACT INFORMATION Phone:775-786-1615 Fax: 775-322-7288. Chapter 13 bankruptcy is intended for those with stable incomes who are unable to pay off all of their debts. Shmucher's bankruptcy practice includes creditor negotiations, the representation of individuals and corporate debtors, creditors, and trustees in Chapter 7 and Chapter 13 filings and adversary proceedings. This type of property is called “exempt. You need to take the course from a pre-approved provider. Bankruptcy is a legal proceeding involving a person or business that is unable to repay outstanding debts. And it's cheap. Reno, NV 89509. You earn a fresh start. C. A recent bank statement. Bankruptcy Court,. Bankruptcy Court,. The firm focuses primarily on chapter 7 and chapter 13 bankruptcy. View profile. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt BankruptcyU. This is a voluntary filing; it was assigned the bankruptcy case number 23-50233. It’s common to be concerned about what’s going to happen to your car if you file bankruptcy. 2. 1321 (Reno) [email protected] Home; Attorney. Fremont, CA 94538. They are incredibly professional and their level of. Partner and Founder. If you’re still making car loan payments, you have three options for how to handle your car loan in a Chapter 7 bankruptcy case: Reaffirmation. Redemption. S. Let's help you rebuild your financial lives! 775. Chapter 7 is often a bankruptcy filer's first choice for several reasons. Chapter 7 bankruptcy works well for people who own mainly the essential items needed to live and work and not much else. Estes. 4557. Kevin A. . Eliminate Debt and Get a Fresh Start with Chapter 7 Bankruptcy. You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Reno. If you qualify, Chapter 7 bankruptcy can help you eliminate most or all of your debt in a matter of months. Our bankruptcy attorneys in Reno can represent you in every area of bankruptcy law. United States Bankruptcy Court, District of Nevada. Reno, NV Bankruptcy Chapter 7 Law Firms & Attorneys. In Chapter 7 bankruptcy, a trustee’s motion to dismiss is not as common as they are in Chapter 13. Individuals, sole proprietorship businesses, or spouses can file a Chapter 13. Of course, if a Chapter 7, Chapter 11, or Chapter 13 is your best solution, we can help you there as well. Dec 07, 2023: Docket; Parties (2) Debtor; Debtor. Chapter 7 bankruptcy can stay on your credit reports for 10 years, while Chapter 13 bankruptcy only stays on your reports for seven years. And it's cheap. Harris Bankruptcy Attorney, Reno Zero Down Bankruptcy Lawyers, Bittner & Widdis Law, Alison J Colvin, Law. Reno: 300 Booth St. It's quick, taking only a few months to complete. But it’s a viable option if you don’t want to liquidate your assets, as required in Chapter 7, or you have too much debt to qualify for Chapter 13. C. The short explanation below and our handy Chapter 7 versus 13 chart will help clarify things. Darby is a partner and founding attorney of Darby Law Practice, representing individuals and businesses in bankruptcy in Reno, including Chapter 7, Chapter 11, Chapter 13, and helping clients in all manner of debt relief from loan modifications and. The four most common Bankruptcy Chapters are 7, 11, 12 and 13. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure; Repossession; Credit Card Debt and Bankruptcy; GET OUT OF DEBT; ABOUT; CONTACT; BLOG Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. The cost to file bankruptcy in Nevada is $338 for a Chapter 7 bankruptcy and $313 for a Chapter 13 bankruptcy in 2023, but the answer becomes more nuanced if you decide to file with a bankruptcy attorney and if you are trying to get the filing fees waived. More than three quarters (78%) of readers paid their. Necessary household furnishings, electronics, goods, and appliances up to $12,000. is a firm serving Reno, NV in Bankruptcy Counseling, Bankruptcy Avoidance and Bankruptcy cases. This is the simplest and fastest form of bankruptcy. The other bankruptcy option, Chapter 13, lasts three or five years. Business bankruptcy. Any non-exempt assets (luxury. Contact Now. Below are the household income levels for Nevada for bankruptcy cases filed on or after May 15, 2023. If you’re subject to a wage garnishment, making it difficult to save up the full fee, you can ask the Court to make payments instead. If a landlord attempts to file to evict the tenant after the tenant has filed for Chapter 7, the landlord will be unable to proceed with the eviction due to the tenant's automatic stay. Burke offers help for bankruptcy in Reno, NV. Contact me. S. Find the debt relief you need with the best debt settlement. This course takes about 1–2 hours, and you can take it online, by phone, or in person, depending on where you live. Malter. You’ll then need to pick your marital and filing status from the following options: Not married. You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Reno. ZALDY PALOS COLOMA. Chapter 13 and Chapter 7 Bankruptcy Proceedings. 1042. Affordable Chapter 7 Bankruptcy Lawyer In Reno, NV. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure; Repossession; Credit Card Debt and Bankruptcy; GET OUT OF DEBT; ABOUT; CONTACT; BLOG Affordable Chapter 7 Bankruptcy Lawyer In Reno, NV. There is a fee but you can apply for a waiver if needed. Chapter 7 bankruptcy works well for people who own mainly the essential items needed to live and work and not much else. DARBY Darby Law Practice, Ltd contact info. Experian, TransUnion and Equifax now. Michael W. 13? You can use Chapter 7 bankruptcy to erase or "discharge" debt without paying into a lengthy payment plan. 7. Chapter 7 Bankruptcy Lawyers in Reno, Nevada. Studies show that in 96% of cases, people who file for Chapter 7 get to keep all their property. Chapter 13. Bankruptcy Court,. Find top Reno, NV Bankruptcy attorneys near you. 15, 2023), debtor's LLC interest in bankruptcy and charging order lienIn order to be eligible to file for Chapter 13 bankruptcy, you must have regular income and meet certain debt limitations for your unsecured and secured debts (unsecured debts must be less than $383,175 and secured debts must be less than $1,149,525 as of 2015). Reviews on Chapter 7 Bankruptcy Cases in Reno, TX - Munden Law Firm, Huebner Law Firm, PC, Allmand Law, Keller Fort Worth Bankruptcy Richard Weaver & Associates, Richard M. See reviews, photos, directions, phone numbers and more for Chapter 7 Bankruptcy locations in Reno, NV. The short explanation below and our handy Chapter 7 versus 13 chart will help clarify things. Discover how hiring a skilled bankruptcy attorney from Recovery Law Group can guide you toward a path of financial recovery and peace of mind. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. The firm is capable of handling personal and business bankruptcies, assisting clients in filing for a chapter 7, 11, or 13. Bankruptcy under Chapter 13. (775) 348-4600 230 E. Links for Chapter 7, 11, 12 and 13 Nevada trustees, information about reporting fraud, 341 meeting locations, reports and responsibilities of The Office of the U. Reno, NV Bankruptcy Chapter 7 Law Firms & Attorneys. Chapter 7 bankruptcy is a legal process that allows a person to discharge all of their unsecured debt. With Chapter 7 bankruptcy, your personal debt, outside of student loans, recent income tax debt, or past-due child support can be erased. A trustee is appointed to liquidate (sell) the company's assets, the proceeds are. . Trustee opposes conversion for the following three reasons: first, the Debtors are ineligible for relief under subchapter V of chapter 11; second, the Debtors have filed and prosecu ted the bankruptcy case in bad faith; 4 and third, the Debtors will not have sufficient income to fund a plan of. TRUSTEE - RN - 11. Use our free directory to instantly connect with verified Chapter 7 Bankruptcy attorneys. These are good people who worked very hard representing my family. Transcript Order Form for Reno and LV: Online Transcript Request Form: 04/12: Instructions: Request for Archived Bankruptcy Cases (Individual). Filing for Chapter 7 in Rhode Island. , is a boutique law practice located in Reno, Nevada, focusing on business and individual reorganizations, Chapter 7 liquidations, bankruptcy trustee. Chapter 7 and Chapter 13 are personal bankruptcies that serve individuals who have a lot of medical, credit card, or other consumer debt. Learn from a Reno bankruptcy law office which is the best for you. 800 S. Looking for A Affordable Bankruptcy bankruptcy lawyers or bankruptcy attorneys centers near you? Search our A Affordable Bankruptcy online consumer protection & debt negotiation lawyers directory in Reno Bankruptcy Lawyers, Bankruptcy Attorneys, Consumer Protection & Debt Negotiation Lawyers, Chapter 7 & 13, Personal. A Law Firm practicing Bankruptcy law. Also: Citation CJ3 Gen2, flyVbird Signs LOI for 'Alice', Gogo 5G 4 Canada, BizAv Finance ANN has learned that Rotor X has filed for bankruptcy | Published: Mon, Oct 30, 2023 | Aero-News NetworkWhether you file chapter 13 or chapter 7 should be a decision you make after considering the alternatives. Learn with a Reno bankruptcy attorney how to avoid them. Calling a a Reno chapter 7 business bankruptcy lawyer will help you understand the pros and cons of this type of bankruptcy. Chapter 7 bankruptcy. The Small Business Reorganization Act of 2019, which went into effect on Feb. Chapter 13 bankruptcy. Filing for Chapter 7 in New York. Trust a knowledgeable bankruptcy attorney to serve your best interests, no matter if you need to stop a foreclosure, wage garnishment or repossession, or resolve medical or tax debt. Bankruptcies help companies sort out their finances, but they also add a layer of complication. Leslie Tayne, attorney and founder of Tayne Law Group in Melville, New York, says you’re eligible for a mortgage a few years after a Chapter 7 discharge of debt. 322. Chapter 7 and Chapter 13. By comparison, Chapter 13 can take up to five years because a repayment plan is involved. Zero Down Bankruptcy Lawyers of Reno is a top-rated Reno bankruptcy law office that is committed to providing affordable, thorough bankruptcy filings for clients throughout Nevada. Nevada Revised Statute 21. collection agency accounts. 8 (the “Final Rule”) became effective. Harris Bankruptcy Attorney, Harold C. In Maryland, this fee typically ranges anywhere from $899 to $3,500, depending on the lawyer’s experience and the. S. Click here to see related practice areas and towns nearby as well as additional resources. S. ”. potosd. The main cons to Chapter 7 bankruptcy are that most. 7 El Reno was to conduct business in both the oil and gas industry and the trucking industry. Harris Law Practice LLC. Some lawyers offer a free consultation to help determine whether their services are right for your legal needs. I had spent many years in business trudging through legal adversity, financial ruin and endured many injustices. $838 - $3,838. S. Darby. Practices Personal injury, Chapter 7 bankruptcy, Chapter 13 bankruptcy. 7 billion in 2020. Trustee and the District of Nevada Bankruptcy Trustees. . Household Size of 4: Annual income. If your disposable income under the means test is between $7,475 and $12,475 then you must. Often called the 'liquidation chapter,' Chapter 7 is used by individuals, partnerships, or corporations who have no hope for repairing their financial situation. Keep in mind that you must complete the pre-bankruptcy credit counseling session first. — G. It's quick, taking only a few months to complete. Step 2: Fill in your marital and filing status. RENO CONTRACTING, INC. Chapter 7 bankruptcy. Free Consultation. Attorney fees for Chapter 7 average between $1,000 and $3,500, and for Chapter 13 between $2,500 and $6,000. , Reno, NV 89509. SurrenderEveryone filing Chapter 7 bankruptcy has to pay a $338 filing fee to the Bankruptcy Court. There are non-bankruptcy solutions that make the most sense for some individuals. is a bankruptcy attorney and the founder of Shmucher Law, PL. Robert Conrad Borris Jr. C. Top Cities: Las Vegas, Reno, Henderson, Cold Springs. to 4:00 p. , Suite F, Reno, Nevada 89511. Here are the official Nevada Chapter 7 bankruptcy means test numbers that will take effect for all bankruptcy petitions filed after May 1st, 2022: Household Size of 1: Annual income of $54,394. A consumer debtor receives a complete discharge from debt under Chapter 7, except for certain. The following is a non-comprehensive list of property that is exempt in Nevada: One car with equity up to $15,000 (not exempt from car finance company) Clothing. Filing for Chapter 7 in Nevada. , is an experienced chapter 11 reorganization attorney who has been. Attend the 341 meeting with your trustee 10. 200 S Virginia St FL 8 Reno, NV 89501. showed assets in the range of $100,001-$1,000,000 with liabilities in the. Go to the court to file your forms 7. Updated September 27, 2021. At The Law Offices of Christopher P. *Attorney fees vary greatly; these are approximate ranges. The process forces companies, or the court. View Website View Profile Email Lawyer. Each serves either an individual or an entity like a business or local government. Chapter 7 Bankruptcy and Car Loans. A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is located. It can get even more stressful if you lose your car during bankruptcy, especially considering your credit score will take a hit after filing. $571 administrative fee. Chapter 7 bankruptcy or "liquidation bankruptcy" is a debt relief option available for individuals, families, and businesses going through financial difficulties. Car Bankruptcy Loans can get you a fresh start when you need one, so let the our program help you find a car loan after. The test considers the debtor’s expenses, secured and. In fact, there were 7,892 bankruptcies filed in Nevada in the year ending June 30, 2021 . A consumer debtor receives a complete discharge from debt under Chapter 7, except for certain. View profile. The trustee will then sell the property and use the proceeds to repay your creditors. If you qualify, your debts are discharged, which means they go away. Contact Us. You don't pay anything to creditors. As with everything, there are upsides and downsides to filing Chapter 7 bankruptcy. Chapter 7 bankruptcy is the bankruptcy filing most often used by consumers. 9 stars - 1491 reviews. Sally Wetherbee. Pham and Stevenson have offices throughout the Bay Area. Maryland Bankruptcy Lawyer Cost. Reno, NV Bankruptcy Attorney with 32 years of experience. A Chapter 7 bankruptcy stays on your credit report for up to. We have the lowest prices for a Chapter 7 Bankruptcy Lawyer in Reno or Sparks, Nevada. - 5:30 p. Bankruptcy is solely filed in a federal bankruptcy court and is solely governed by federal law. Proof Of Claim. (Including LLCs and Partnerships), Litigation - Bankruptcy, Bankruptcy Chapter 11, Bankruptcy Chapter 13, Bankruptcy Chapter 7. You may consider a Chapter 13 bankruptcy if some of the payments from the wage garnishment would not be. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. David C. Eligible debts not paid through asset liquidation are discharged or forgiven. And it's cheap. Filing personal bankruptcy under Chapter 7 or Chapter 13 takes careful preparation and understanding of legal issues. C. 00. Nevada. New Hampshire Bankruptcy Chapter 7 Lawyers There are 38 bankruptcy chapter 7 lawyers, with 27. While Reno business bankruptcy provides many advantages, it can be complex, is very expensive, and incurs many fiduciary responsibilities. Chapter 7. If you’re still making car loan payments, you have three options for how to handle your car loan in a Chapter 7 bankruptcy case: Reaffirmation. From filing to discharge (wiping out debts), Chapter 7 bankruptcy cases typically take 4-6 months. , Harold C. 11 U. If you prefer, we will quote your exact price right over the phone (702) 715-0000. Most of the cases where property is taken by the. 2 days ago · Summary of Pettine v. Bankruptcy cases in Alabama and North Carolina. Whether you are filing for Chapter 13 or Chapter 7 bankruptcy, we charge no out of pocket expenses so that you can have a greater chance of getting your finances back on track! With debt negotiation. , Nov. (530) 241-1100 1330 West St. Note: getting advice from a lawyer with experience is highly recommended. Skip to content. Click here to see related practice areas and towns nearby as well as additional resources. Find Bankruptcy Chapter 7 Lawyers in Reno, NV with U. Free Consultation Bankruptcy and Consumer. Monday - Friday: 9:00 am - 4:00 pm closed Federal Holidays. Chapter 7 is often a bankruptcy filer's first choice for several reasons. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. SurrenderEveryone filing Chapter 7 bankruptcy has to pay a $338 filing fee to the Bankruptcy Court. top of page. Step 2: Fill in your marital and filing status. Changes in the law now require that debtors:Divorce or debt problems in the Oklahoma City area? Call Norman bankruptcy, family law and defense attorney L. There are two main categories of bankruptcy. Chapter 13 bankruptcy. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt BankruptcyOur Reno Chapter 7 Bankruptcy Lawyers can assist you with getting rid of all of your unsecured debts. S. ”. Finding an Affordable Lawyer Just Got Easier. Reno has 11 Chapter 7 bankruptcy Attorneys with 53 Reviews Holly E. 4388. As of Oct. Personal to you and your situation, which then requires a specialized and unique approach at choosing if filing for bankruptcy is right for you, and navigating the many questions that may arise regarding chapter 7 or chapter 13 cases. Reno, NV 89501. $2,800 for tools of the trade. Chapter 7 and Chapter 13 are personal bankruptcies that serve individuals who have a lot of medical, credit card, or other consumer debt. Weaver Bankruptcy Attorney, Copenhaver William D Attorney, James Foley, Wegner Law, PLLC, Davis Law Firm, Law Office of Truman CoeIn a Chapter 7 bankruptcy you wipe out your debts and get a “Fresh Start”. Learn how to file bankruptcy in Kansas District Bankruptcy Court, complete the Means Test for Reno County, use Kansas Bankruptcy Exemption laws to protect your property, and how a Kansas bankruptcy lawyer can help you if you need it. Tricia Darby is the BEST personal Bankruptcy Attorney in Reno! I had a crisis and was facing severe hardship and turned to Tricia because of what other attorneys said about her. Your certificate must be dated within 180 days of the date you file. If the business cannot pay this upfront, then it can be made in four installments within 120 days of the filing (or 180 days if the court agrees to extend the deadline). You do get to keep exempt assets and possessions, up to a limit. Landlord Filed for Eviction After Tenant Filed Chapter 7. Proof Of Claim. You don't pay anything to creditors. Chapter 7 bankruptcy takes all of the debtor’s assets (that are not exempt) and dissolves them and apportions the monies to the debtor’s unsecured creditors. Lawyers: David C. CLOSED NOW. Listen. Attend the 341 meeting with your trustee 10. Filing for Chapter 7 in Virginia. Our new address is 850 E. What is Chapter 7 Bankruptcy? A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is located. Holley Driggs Walch Fine Wray Puzey & Thompson. However, if you have assets in excess of. Chapter 7 is often a bankruptcy filer's first choice for several reasons. BANKRUPTCY. S. 46 Results have been found for Bankruptcy Chapter 7 attorneys in Reno, NV, belonging to 18 different law firms. we assist people and businesses through the bankruptcy process. For a Chapter 7 bankruptcy, you’ll shell out $338 for filing fees and about $1,300 for an attorney. charge no out of pocket expenses so that you can have a greater chance of getting your finances. Chapter 7 & 11 Chapter 12 Chapter 13 Trustees The Office of the U. This form of bankruptcy involves setting up a repayment plan for consumers who have a consistent source of income and a desire to. As with everything, there are upsides and downsides to filing Chapter 7 bankruptcy. Court employees and bankruptcy judges are prohibited by law from offering legal advice. Nevada Chapter 7 Bankruptcy Income Limit. It is a means to the goal of a fresh financial start. The bankruptcy petition for GUARDIAN FUND, LLC showed assets in the range of $10MM - $50MM with liabilities in the range of $50MM - $100MM. You must pay all your extra or "discretionary" income to creditors each month, which isn't easy. Thomas M. This form of bankruptcy involves setting up a repayment plan for consumers who have a consistent source of income and a desire to. 871 Coronado Center Drive, Henderson, NV 89052. Take the second required bankruptcy course on financial management 9. Cord’s Prepetition Transition to El Reno On June 9, 2017, Lloyd Johnson (“ Lloyd”), Cord’s father, orga nized El Reno Energy, LLC (“El Reno”), a member-managed Texas limited liability company. Get Started For As Low As $500 to $1,500 Affordable Payment Plans Available 10+ Years Serving Over 1 Million. $1,500 - $6,000. Visit Website. O’Mara has built and maintained an outstanding reputation by providing superior legal services to his many. With a population of 255601, I’d. Its two offices in Nevada are in Reno and Henderson. 2020 Best Invention. You can get a free Experian credit report every 30 days. proudly serves clients throughout Reno, Nevada, and surrounding communities of Churchill County, Lyon County, Carson City, Douglas. Since 2009 Mr. Tijsseling. Chapter 7 bankruptcy enables consumers to discharge unsecured debts, such as credit card debt. Our Bankruptcy Lagal Team is There to Help with Bankruptcy Litigation, Foreign Insolvency and Debt Restructuring in Reno. Court fees for Chapter 7 are $338 and $313 for Chapter 13. Beyond the Chapter 7 exemptions, we also assist with tax debts, provide advice regarding , debt settlement , and handle business bankruptcy in Chapter 7 and Chapter 11. Reno Bankruptcy Attorney | Nevada Bankruptcy Attorney | Estes Law. Shmucher has assisted hundreds of. 2 days ago · Summary of Pettine v. 7290 fax. If your total monthly income over the course of the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. Chapter 7 Pro Se Chapter 11 Chapter 12 Non-Pro Se Chapter 12 Pro Se Chapter 13 Timothy Paul Post.