What Happens To Your Car In Chapter 13 Bankruptcy? | Thebankruptcysite.Org, Stained Concrete Floors: Concrete Floor Sealers: Concrete Stains

As we discussed, the court or the trustee will typically work with you to help you avoid missing payments, give you a little breathing room to catch up, or to resolve a motion to dismiss. As part of the process, you will be required to pay creditors a portion of the outstanding debt over three to five years during what's known as the repayment period. Is It Possible to Qualify for Consumer Debt While in a Pending Chapter 13? Debts obtained through fraud. As stated above, about two-thirds of Chapter 13 cases nationally result in dismissal. We can stop a utility shut-off before it happens and/or restore services after a shut-off has occurred. If you're making vehicle payments but no longer want the car—for instance, it's too costly or needs repairs—you can give it back to the lender in Chapter 13. Filing Complexity: Filing for Chapter 7 involves preparing a large set of forms and navigating tricky legal issues, but simple cases that don't involve much income, debt, or property can be done "pro see" without hiring an attorney. The beginning calculation process features two primary stages — the Chapter 13 means test and the creation of the plan itself. Not safe for work chapter 18. Request a hardship discharge from the court. Without the stay, your creditors will be free to take whatever collection actions are available to them under state and federal law, including filing a lawsuit, repossessing your car, foreclosing on your home mortgage, and garnishing your wages. If there's an important reason to file a Chapter 13, like a foreclosure or driver's license issue, he will file one.

• Not safe for work chapter 13
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• Not safe for work chapter 18
• Is it illegal to work at 13
• Blue ocean stained concrete floors in homes
• Blue ocean stained concrete floors grey
• Blue ocean stained concrete floors colors
• Blue ocean stained concrete floors that look like wood
• Blue ocean stained concrete floors exposed

Not Safe For Work Chapter 13

Both of you check your Outlook schedules to find the best day of the week to schedule the training, for minimum impact on employees' work. Late On Chapter 13 Bankruptcy Payment. What Now. "With a Chapter 7, wham bam it's over, and they're back to the same old thing, the bad habits that got them in trouble to begin with, " says Arthur Ray, a bankruptcy attorney in Memphis. For instance, too much income might preclude you from filing a simple Chapter 7 case. Call 570-257-4509 if you need us. Depending on how you choose to declare bankruptcy, your assets and liabilities will be affected in different ways.

For one-time delays, you might be able to explain your situation to the trustee and reach an agreement to get up to date on your payments to avoid adverse actions against your case. Is it illegal to work at 13. While there has been an uptick in bankruptcy filings the last couple months, the numbers have, in general, been going down in recent years. However, a common question is what debt can and cannot be discharged when filing for bankruptcy? She then filed a third time.

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The overriding limitation to one's ability to conduct business while in a Chapter 13 bankruptcy is the requirement that the Chapter 13 Plan filed by the debtor must commit all future earnings to the Plan. As a result, Chapter 7 filers with late car payments lose their vehicles because Chapter 7 doesn't protect cars in these instances. The purpose of the program is to: -. What debts are being paid in the plan? The Chapter 13 trustee will send periodic statements. It depends on the debt you owe, and the courts have to approve your repayment plan. You can also open a new bank account once you have filed for bankruptcy. Unlike Chapter 7 where legal fees always must be paid up front, Chapter 13 attorney fees can be extended over the 5 year life of the plan. What should you do if you anticipate missing a Chapter 13 payment? The trustee will send notices to your creditors and schedule a hearing. Chapter 7 and Chapter 13 bankruptcies are two different approaches to resolving outstanding debts: - Chapter 7: Liquidate your assets and pay off debt with cash. When your bankruptcy case is dismissed, you lose important benefits and could be left worse off than before you filed your Chapter 13 case. Not safe for work chapter 12. You can use a Chapter 13 bankruptcy to help you pay back the IRS, though if that's your only creditor, you may want to discuss a repayment plan without declaring bankruptcy. While your trustee will most likely periodically check all of your financial accounts such as your bank accounts, in order to ensure that you have enough money to continue making your bankruptcy payments, they are not permitted to touch any of your funds, other than the funds which are allocated for your secured loan repayments.

Myth: You Get to Keep Your Stuff. However, there are limitations to the freedom to run a business in Chapter 13—and obligations. But if you acted in bad faith or otherwise abused the bankruptcy process, the court can dismiss your case with prejudice. Expect your credit score to be throttled. Debts Generally Not Dischargeable in Bankruptcy. First, it's important to recognize that every Chapter 13 trustee handles missed payments differently. How to know when to file bankruptcy: Tips and considerations | LegalZoom. How long was your plan payment? Further, if your bankruptcy is dismissed without prejudice, you can refile your case immediately. The debts you'll pay off. Further, to qualify for Chapter 13 bankruptcy, you can't have more than $1, 395, 875 in secured debts and $465, 275 in unsecured debts for cases filed between April 1, 2022, and March 31, 2025). The two main types of bankruptcy and how they affect your credit report. Contact an Experienced Chapter 13 Attorney in North Carolina. Chapter 7: For sole proprietors, business and personal debts can be wiped out in a single bankruptcy case.

Not Safe For Work Chapter 18

If the court grants the order, your Chapter 13 case would be dismissed. You have the ability to refinance your home or sell your home and pay off your case early. If you anticipate being late or skipping a payment, reach out to your bankruptcy trustee immediately. You lose the automatic stay. How do I declare bankruptcy? We offer free initial consultations. Can the Discharge Be Revoked? What Happens To Your Car in Chapter 13 Bankruptcy? | TheBankruptcySite.org. A free consultation with an experienced and compassionate Ohio bankruptcy attorney at Fesenmyer Cousino Weinzimmer can help you decide. That means they don't get the relief from the debt that prompted them to file bankruptcy in the first place. Child support or alimony. If your income changes, we can always adjust your plan payments to reflect your new circumstances. Limitation: The Chapter 13 Plan Shall Provide for All Future Earnings. A Chapter 13 bankruptcy is also known as a reorganization bankruptcy. If the court does dismiss your Chapter 13 bankruptcy for nonpayment, you might be able to appeal the dismissal to a higher court.

If your car's equity is worth $10, 000 or less, you'll keep the car in Chapter 7, and your Chapter 13 payment won't be affected—you won't have to pay to keep your vehicle. And When Your Bankruptcy Case Is Dismissed Without Prejudice. Priority debts are those that must be paid off during the course of your plan, with certain exceptions. But we still may be financially better off getting rid of them to eliminate the debt attached to them and other unsecured debt like credit cards and medical debts. How to follow the repayment plan.

Is It Illegal To Work At 13

Otherwise, the debtor is permitted to enter into business transactions, including the sale or lease of property, without notice or any court hearing, so long as it is in the ordinary course of business. Generally, your debts will be split into three different categories in your Chapter 13 repayment plan. The program just provides the added court protection from foreclosure and allows you to have attorney staff assisting you in the process. The amount of time it takes to get it removed from your credit report depends on which of the two types of bankruptcy you file. Can a Debtor Receive a Second Discharge in a Later Chapter 7 Case? Chapter 13 bankruptcy, also known as reorganization bankruptcy, is a legal process that allows you to restructure debt to be more manageable. Become an authorized user. Can I pay down debts by selling some possessions? Just keep in mind that it may be easier to set up a new savings account, instead of a checking account.

The record of your bankruptcy will stay on your credit report for 10 years. Your payment goes to the trustee on the approved schedule (usually bimonthly or monthly), and they are responsible for dividing it among your creditors as detailed in the repayment plan.

Water Based Concrete Stain - Eco-Stain saves time on the job with no rinsing, no mopping, no neutralizing, and no residue. We also found that pouring the acid and spreading it with a broom worked better than using the spray bottles. Thoroughly clean the surface with a concrete cleaner to remove any dust, surface dirt or other contaminants.

Blue Ocean Stained Concrete Floors In Homes

Work time was about 4 hours. On the porch, we used Malayan Buff and slightly diluted Cola, applied wet-on-dry and spread out with a broom for a mottled look. Don't have an account? The concrete was so damaged it required resurfacing prior to the acid stain. Repeat until the floors are clean. This bathroom renovation project involved the application of Azure Blue acid staining to the concrete floor in order to update its appearance. After waiting 60 days for the fiber reinforced concrete to cure, they washed the floor with a mild etching solution and let it dry overnight. This Acid Stain combination was applied on a garage floor. Blue ocean stained concrete floors that look like wood. Simply add 3 parts of water by 1 part of Eco stain (32 oz. The company's founder is an avid boater who wanted a floor that reflected his love for the ocean. Updating a 1950s Concrete Basement Floor with Azure Blue Acid Staining. Used for staining concrete walls, floors including cast concrete products and overlays.

Further applications depend upon desired look and porosity of the concrete. This will help you achieve a more balanced and cohesive look. While the acid staining technique is known for its durability and ease of maintenance, it's important to keep in mind that the final result may vary and may not always be as striking as desired. Home Decor, Furniture & Kitchenware. Stain it's a New - concentrated 1-Gal package. Blue ocean stained concrete floors in homes. Each unique concrete slab will produce its own distinct shade of blue, and the use of products like Miracle Gro can enhance the intensity of the color. Advantages of Dyeing or Staining Concrete. The blue tones created by the acid staining process add a touch of color to the space and help to give the bathroom a more modern look. Texture Coated concrete can give some pretty awesome color variations.

Blue Ocean Stained Concrete Floors Grey

A: There are multiple reasons depending on the situation, but for most cases, it boils down to two main reasons: UV exposure and sealer degradation. Waiting too long between coats may result in the 2nd coat not adhering to the first, and the desired result may not be achieved. Blue ocean stained concrete floors colors. Once the floors were thoroughly dry, we applied the first coat of sealant using a sprayer and squeegee. I have since painted over the lower portions of the walls with no weird reactions.

Primary Application. You should always avoid heavy pooling of either on the surface. Do not use where heavy traffic (such as steel wheels) is anticipated. I just wanted to share my love for the product and how amazing it is!

Blue Ocean Stained Concrete Floors Colors

See the transformation of this animal hospital's concrete floor with the use of Azure Blue and Malayan Buff acid stains. DiamondKote removed the existing epoxy with our1100 pound floor grinder using 30 – 40 grit long life diamond pads. Concrete Stain Application. This minimized the amount of mopping we needed to do. Time to Complete – 4 days. Even with the cost of the concrete, the cost is the same as the mid-range tile that I didn't love. The Acid Staining Course Opportunity. Indoors, water-based stains offer low VOCs, little to no odor and a wider color palette. When your project is outdoors, a stain is preferred because it will not fade quickly. These colors were perfect for this "earthy" log cabin look. Note that in the following information, when referring to concrete stain we are NOT including concrete acid stains as they are completely different in nature. Bold and Colorful Concrete Transformation with Azure Blue Acid Stain.

The one major limitation of these concrete pigments is they lack UV stability. This is not a sponsored post. Important: - Allow concrete to cure a minimum of 28 days before applying product. Sealing the Stained Concrete Floors. The top color palette is from Concrete Colors of Texas and offers mostly neutral tones. Water Based Stain for Concrete - Tru Tint Waterbased. Bonds to the pores of the concrete to produce color ranging from translucent to opaque depending on how much water you choose to add (Minimum dilution is 4 parts water to 1 part stain – Maximum dilution is 8 parts water to 1 part stain). Price: $130 compared to an estimated $500 for tile. You don't need to get every last bit, but removing as much as possible will help the stain adhere better. Let it dry and apply a 2nd coat of Clear-a-thane sealer. It is important to note that when using azure blue acid stain on concrete surfaces, the patina effect may occur due to the presence of copper in the stain.

Blue Ocean Stained Concrete Floors That Look Like Wood

Each concrete surface accepts the acid stain in varying degrees of intensity. Along with the brown accents, the final result is a floor that is both visually striking and practical for boat storage and maintenance. Although these colors are generally referred to as stains, they're more accurately penetrating concrete pigments. This improves indoor air quality and the health of building occupants.

We decided to try the veining technique with Azure Blue and Coffee Brown, using a wet-on-wet method and filling in the spaces between the veins with Cola. OLIVE/TURQUOISE/EBONY. WHY USE Water Based Stain for Concrete - Tru Tint Waterbased? Plus, different application techniques can be used to achieve unique looks. Cement substitutes will not affect color, unlike reactive acid stains that are dependent upon alkalinity to create a chemical reaction. Mermaid floor dreams, that is. Stained Concrete Floors: Concrete Floor Sealers: Concrete Stains. Technical Services and Samples. Always sample test an area for proper technique and results before actually using. Even if it is squeaky clean, a surface still may have to be acid etched, ground, scarified or sanded to open the pores enough. Our house is a new construction, built less than two years ago, and the concrete had not been sealed. If you have an auto shop, the garage floor is likely concrete. This Is What You Can Do With Your Concrete - Using Our 45-Years Of Experience. Stains are best known for earthy colors, however in recent years the palette has begun to expand. Supplementary colors may be combined at desired rates and number of coats.

Blue Ocean Stained Concrete Floors Exposed

Other Resources: - Information About: Concrete Floors. It dried to the touch in 2 hours, and in 4 hours we could walk on it. For a beautiful and unique finish, try applying the acid stain wet on wet. Coverage: 4 liters (1 gallon) covers approximately 47 m2 (500 ft2) for the first coat. Vertical surfaces like walls or fireplaces. Sealer (I used Clear-A-Thane). High grade industrial clear urethane was used as the final layer to provide a durable finish. Applying the stain was super easy as well. However, depending upon the desired results, sponging, ragging, mopping, brushing, and nearly any type of spraying is also employed. They let the stain dry for six hours, then neutralized and rinsed it before applying a coat of Azure Blue acid stain using a spray bottle. You can do this and we will show you how.

Tru Tint WB is suitable for use on both interior and exterior concrete, enabling both DIY enthusiasts and concrete contractors to tap into a virtually limitless array of translucent hues. We may use up the leftover brown stain on the storage section of our basement. This will help you achieve a smoother and more even application. This will vary greatly depending on the local temperature/humidity as well as how much Eco-Stain was used in the project. The Tru Tint Dye covers about 300 sq. Related Information: - "Floor Me" Video Series. It's always better to have a little extra on hand in case of any unforeseen issues or mistakes. Here are the colors we used used most often: - Grey concrete stain.