Ottawa bankruptcy lawyers

Most of you know that I was always critical of Karen. Some of you attacked me for being misogynist at the time. The honest truth is that it had nothing to do with her being a woman. As a person who values education very highly, I could simply not understand how a BA became CEO of such a big company with zero prior CEO experience. But then, the response was interesting too. I started receiving private messages from random people, some fresh accounts, some regulars on this board, some claiming to know Karen, speaking very poorly of her and her past. I have no idea who these people were. I didn't respond to many of these PMs.
Call after call, decision after decision, it became worse. She surrounded herself with previous friends and co-workers. Got rid of tangible cash flow positive businesses (which by the way, could have very likely helped them secure the debt today, if they had them today, like those clinics could very likely be a collateral to a lender).
I was apprehensive about this stock since the day we had a sudden management change. From that moment, I wanted to sell and take my loss elsewhere. I started talking about WELL here. Any money I wanted to put in CloudMD, I redirected to WELL, and now have a decent position there. Why did I not sell DOC? My prior experiences with penny stocks told me that the market always overreacts significantly to news and there will be a healthy bounce back up somewhere. I was trying to outsmart the market and exit on a bounce. It was stupid. I learned a lesson. The flood of bad news never stopped. Something about releasing an investor presentation between two terrible earnings releases and slashing the revenue by an additional 10 million in your investor presentation didn't help. Like they were trying to sabotage it. Conference calls were awful. I won't repeat myself.
I was not really interested in being a mod here either. I particularly didn't want to be a mod after management changed, because I wanted to sell this at the first opportunity and get the hell out. Headwax asked me to be a second pair of eyes, and out of the curiosity of understanding what being a mod on a sub like this involves, I accepted. With HW's main gone, now I have become the sole mod.
Fast forward to the recent deal. I am seeing a flood of comments and reports on here from fresh accounts, and I can only imagine that these are company insiders or people very close to the management. Someone shared Karen's number publicly on this sub. An account with a questionable comment history immediately reported it as doxxing. I was late to see the report, so the number stayed up here for a while. In the meantime, this user keeps messaging me on how I am a useless mod (yes, thank you, I never wanted to be one) because I hadn't yet removed that comment containing Karen's alleged number, whereas I had previously removed comments calling "Headwax," Karen. I have no recollection of removing a comment that called Headwax, Karen, but this removed comment was by another user, so they very likely gave away a Reddit secondary account. Who is this random person reporting comments, and how do they so specifically point out a comment calling Headwax, Karen from the past?
Another user posted about how we can report the company to OSC yesterday. It was immediately met with crowd control (i.e. many people reported the post right away as being "harassment" and Reddit removed it automatically), whereas there was nothing harassing about the post whatsoever. It was sharing useful information. I allowed it, and most of you endorsed and welcomed it. So who are these people who are reporting these posts that allow us to legally look into this transaction? Clearly, they are being notified of everything that goes on here and are first to try to manipulate the moderation. What interests are they serving?
I am left to believe there are insiders lurking this sub. There are people who are trying to sway and influence us. This is, in my limited investing experience, unprecedented and so unprofessional.
To say that this deal is absurd, in terms of its valuation, is an understatement. It's at a P/S of 0.1 and a P/B of 0.13 (just think that through for a second. If the assets are worth 1/7th of what management claims on book, selling the parts out of bankruptcy could yield them more - now companies rarely sell at a P/B of 1). It's really difficult to see if this deal is actually better than bankruptcy or not. The assets may actually yield more in a bankruptcy court even after lawyer fees. I have never seen anything so absurd in my life.
Their contracts alone, given their ARR, should be worth way more than 10 mil to a competitor. So why is a competitor not buying this, even if they have to fire everyone and trash everything, and simply takeover the contracts?
How on earth was the refinancing left to reach this point when time and time again they reassured us it's no problem? What the hell were they doing?
I don't have an answer. I can just say that it smells really fishy.
As a heads up, I am sick and tired of being a mod here. It's taking too much time. I wanted to add someone else as a mod and leave, but I am a rookie, and can't even figure out how to add another mod on reddit. Given what I am witnessing, I worry that if I leave, someone with ulterior motives might take over the sub and sabotage any opportunity for you all to discuss this. But don't be surprised if I am gone one day and the sub is left without a mod. Being a school teacher is not my cup of tea.

So, my parents are considering Bankruptcy. They have had a consultation with a lawyer, but are unsure if or when they will proceed yet, as my Dad has some surgeries on the horizon he wants to have done before starting the process. If they do it, it would likely be several months from now, maybe August or September. Having said that, there was one thing they were a bit unclear of when speaking to the Lawyer.
The Lawyer told them they will need to be careful about spending, both on their credit cards and from their Bank Account, in the months prior to filing Bankruptcy. He said they could get in trouble or even be sued for fraud if they racked up Credit Card debt, or spent all the savings in their Bank Account in the months prior to filing. However, he apparently didn't go into a great deal of specifics on this point. My parents wanted to know specifically how careful they need to be, and for how long prior to filing.
For example, my Mom needs a new Laptop (her old one is a Chromebook approaching end of life), which she primarily uses to bay bills and the like. It's pretty much a necessity for them, and would cost about $200-300. Additionally, my Dad has severe Parkinson's and is pretty much bedridden due to walking/balance issues, so watching TV is all he has. His old TV has died, and he would like to get a replacement, again probably something in the $200-300 range. They would be using money from their Bank Account (specifically savings, I'm not sure how much they actually have, but I think it is around $1000) for these purchases, not Credit Cards. Would these kinds of purchases be alright right now, several months before filing, or would they present a problem in Bankruptcy?
Also, they were advised against using Credit Cards prior to Bankruptcy. However, they rely on them for many things, from groceries to bills and utilities, food, etc. My Mom also subscribes to a couple streaming services for my Dad. They're going to try avoid spending what they can with the Cards, but also depend on them for so many things.
So, will any of this get them into any trouble, or have them sued for fraud? Will the Trustee come after them? They're pretty concerned and confused on this particular point. Again, this is all prior to Bankruptcy. They have not done anything yet. They've signed nothing, started no process, paid no lawyers, etc. They're unsure how they should be managing their purchases, both with Credit Cards, and with their Bank Account, several months prior to starting the Bankruptcy process?

Home is in probate and have not been able to do a forbearance or loan modification because they need my husband’s birth certificate. I would like to explore all options and have them as back up so I can decide quickly when the time comes. I reached out to some bankruptcy lawyers already and will reach out to a few more next week but so far, this seems like our only lifeline for now. Sigh im also afraid of what the monthly payments might look like and if we will get approved for chapter 13. Thanks for reading…

Good afternoon everyone,
So…I had my consultation with my attorney yesterday and was told that I wouldn’t qualify for a Chapter 7 based on a piece of property I inherited when my mom passed away (1/4 of the house I’m renting)
I was kinda expecting that and after going over everything, he was able to guesstimate my monthly payments at $708 for 36 or $400-something if I did the 5 year payment plan
I like the idea of it being over as soon as possible me so I would probably opt for the shorter timeframe
This is for approximately $64,000 in unsecured debt (credit cards and a small personal loan)
But last night I got to thinking, if I’m going to have a monthly payment anyway, would it be worth the effort to try and call each of the credit card companies 1 at a time and saying “ I can not make my payments anymore and have retained a lawyer and begun bankruptcy proceedings. I would prefer not to go this route and am able to pay $200 for the next 24 months. Would you be willing to close and settle my account instead of me going forward with the bankruptcy proceedings?’
I could do that with one of the credit cards that has $15,000 on it and just make that phone call to multiple credit card companies.
Is there any logic to that thinking?
I feel like they would rather get something than be guaranteed nothing and from what I’m reading online, a settlement doesn’t hit your credit for as long as a BK would.
Part of me thinks it’s a great idea, or worth a try at least, and part of me feels like they would eat me alive within 15 seconds of that phone call.
Has anyone had any success trying to settle their own debts?

We live in California- my spouse is in finance. I have heavy cc debt and a personal loan with monthly minimum payments at $1700 and about $10k in collections. My spouse CAN NOT have a bankruptcy on their record or it will affect their job. Is it possible to file separate and not use spouse info? We have 3 cars we are paying on with only 1 in my name, we rent in CA, own a home in GA in spouses name. I also make more than my spouse. I got behind on the personal loan which is now not manageable. This debt is bringing me to tears. I’m not sure how to fix this. I have spoken to 2 different lawyers in which one is confident it wouldn’t show up for my spouse while the other wasn’t as confident. I’m not sure what to do. We file taxes together and share that debt, we live together and technically share/pay bills through a joint checking account. The CC debt and personal loan are all in my name alone.
Any help is greatly appreciated

Two years ago, I rear-ended another car that slammed on their brakes on a very windy highway in California. There was just a small dent in the front of my car and there was a decent size dent in the back of their SUV (which the insurance company ended up replacing for them) There was a family in the other car, including a father two or three kids and a pregnant woman. Everyone seemed totally fine at the time and everyone walked away and drove home. No ambulances or cops were called but the father was understandably very angry at the time and specifically told me “sorry isn't gonna cut it for this pal”.
I don’t hear anything for two years but the other day my insurance called me and let me know that the guy has lawyered up and has been taking his family to the chiropractor for two years for soft tissue damage treatment. They told me they think he’s likely to sue at the end of the statute of limitations in about a month. His lawyers haven’t sent in a demand yet because I imagine they want to document the chiropractor appointments as long as possible.
I withhold my judgement on whether this guy is a fraud or not because I don't know him well, but I do know that every study says that chiropractor treatments are not really effective for soft tissue damage, and a chiropractor is typically not the type of professional you want to see if you actually have real pain that you actually want resolved. Chiropractors are however a good way to cheaply document pain for a court case (whether real pain or imagined).
From his LinkedIn it seems that he has been unemployed for the last several years (he may be has savings from the sale of a company though) and has a family to support so I could see how he would want to take this case for everything it's worth.
My question is, whether this guy is a fraud or is actually experiencing pain, he is obviously doing everything right to get the biggest settlement possible. Assuming he continues to do everything right, would you say his case is likely to exceed my 100/300 coverage in Orange County California? Have you seen cases like this before were the plaintiff does everything right even though there is no verifiable evidence of a medical issue and if so how have they paid out?
I also will likely have over 2 million in a Roth IRA in around 6 months (which is only protected from bankruptcy only up to 1 million in California) at what point in the court process will they be able to see the assets I have? He probably doesn’t suspect I have assets yet because I was in a $2000 car when I hit him. I’m honestly thinking of moving to Texas for 2 years to get the additional bankruptcy protection offered there (unlimited protection for a Roth IRA) and I know these cases can often go for that long.
TLDR: What is the biggest payment you’ve seen in a soft tissue damage where there is no physical evidence of an injury but the person keeps going to a chiropractor for years? This guy is likely to get it. Also at what point can the other party see your retirement assets?

Hey guys looking to file for bankruptcy I’m in California. What is the process like and how do I begin? And how to get a lawyer..

Sorry if I ramble on this post. Just wanted to talk about my 341 and entire bankruptcy experience.
341 was so easy. I had made myself sick with anxiety even though my lawyer kept saying it wasn't going to be a big deal. He was very unconcerned about the meeting.
For context, I was filing a Ch 7 with no assets, debt was around $37k. I'm single, no kids, and I'm in the Western District of Texas. I hired a lawyer too.
The things I was worried about:

1. Haven't filed 2023 taxes (filed an extension) because I already owe $1400 from previous years and I will owe a little this year.
2. I have a tiny side biz with an LLC. Hobby business with next to nothing in revenue.

I thought the trustee would make me file 2023 taxes before moving for a discharge and I thought I would have to answer a bunch of questions about my business - I've never done any bookkeeping or filed taxes for it. Chase also closed my biz cc as soon as filed and I wasn't expecting that.
As for both those concerns, he asked if I had file 2023 and I said I filed for an extension and he said that's ok. He didn't ask me one thing about my LLC.
I was last to go today in my group. He asked the same questions for everyone and didn't ask anything extra except for two people - one woman put she was owed $20,000 by an ex and he asked about that but once she explained she had no legal recourse to collect and the ex had disappeared, he just said ok. The other guy had a Robinhood account and he listed the info for it as unknown so the trustee asked what was the most you ever had in it and when. He answered $7k that he withdrew in 2021.
I have never looked at Pacer - just seemed too stressful but do understand it's helpful to those who are filing pro se.
I also found this group helpful and stress inducing. It's so easy to hear other people's situations and think it will happen to you.
I worried about my monthly budget after reading that people had to move to a Ch 13 because of this. I'm well below means test but I'm staying with family and was worried that I had extra money in the eyes of the bankruptcy court. I pay for most of the groceries and truly don't have any money left after each paycheck but was worried my budget wouldn't be accepted. My lawyer listed several hundred dollars as contribution to household in lieu of rent and nothing was brought up today. My attorney did put $50 for my 8 year old rescue pitbull. She has cost me probably $10k over the years. Lol.
I couldn't have imagined doing this without a lawyer. It took me close to 5 months to get all the money together to pay him. I put a deposit down in October and filed March 29th.
Fingers crossed I don't hear anything the next 60 days and I'm discharged in July.
If anyone had any questions about my experience, I'm happy to answer! Having this community and support is very important!

Hi!
So I’ll summarize my bankruptcy story. Moved a lot got married and made little to no money but banks kept approving me for credit cards and then I was 35k-40k in debt before I blinked.
Fast forward to 2022 I got talked into signing up with freedom debt relief who in two years settled one account after paying near thousands into the program in March 2024 I had a consultation with a bankruptcy lawyer stopped paying freedom and paid the lawyer and it was filed on April 22nd 2024 2 days after it was filed received my first ever summons for a civil lawsuit from Wells Fargo on one of the CC’s stay did away with that.
Only concern I have is 1. The 341 meeting nervous as heck. 2. With some mismanagement of my budget and my wife was off unpaid for spring break(works for school system) had to charged March rent and some formula and insurance bill for my newborn on one card and charged gas on another card hoping that doesn’t affect my discharge.

I have been stressed about debt that just went into collections and after a long time of trying to stay afloat I decided to meet with a lawyer about bankruptcy. I have about $66K in CC debt and my husband has about $8K. I am filing by myself, but we need to include both of our income (me - $63K salary, him ~$40K hourly) and combined expenses.. I filled out the expenses sheet, and I guess I was confused by the "monthly" part of it because some of the expenses are like once in a while but not monthly (like clothing, car maintenance, etc).
I realize now after reading this that I probably didn't fill it out right because after calculating everything she kept telling me that we should have like $1,500 left at the end of every month (which is like CRAZY... I wish I could say that we did). She told me I needed more expenses, even suggesting my husband gets a car in his name (we share a car which is honestly pushing us to the breaking point stress wise but haven't made the move for a second car because we weren't sure we could afford the payments and I have a family member who will help with a small down payment to get us started and it would be a big relief for both of us and I guess from her words it would be reasonable to have a 2 cars as a 2 person household).
I guess I am just looking for advice on something I might have missed when reporting expenses.. I've turned to like eating smaller portions so I can have food last longer to wait to go to the grocery store. I hope this makes sense, I left the appointment feeling almost more stressed than I was before the appointment and now I have to wait the whole weekend for a follow up from the email I sent after the appointment telling them I need look at my expenses again. She had mentioned that we would work on the expenses and figure it out before I left but it almost seemed like this was going to make my life worse not better. Is my trying not to spend money to have money to pay debt going to end up biting me in the end?
Also, they told me to stop paying my credit cards immediately, but the case won't be filed until June sometime, once I get my documentation in order. Is there a reason for that? Just feel like it's going to cause emails and alerts of missed payments that will just add to my stress. I appreciate any insight or similar experiences.

Very long story but we tried to buy a house nearly five years ago and the seller couldn’t sell it due to bankruptcy. We waited over a month past closing, they never responded and we lost our mortgage rate lock, so we asked for the deposit back. Their response was to sue us in superior court in MA, so we’ve been wading through that since, but never had a trial, etc, but the judge asked them to do something that they didn’t do and now the court has issued a “judgement of dismissal for failure to comply.”
Aside from wondering if / how to move forward (since a new trial would probably surpass the deposit amount, given what we’ve already spent on lawyers fees), does this mean it’s over? Our lawyer is hesitant to celebrate and thinks they can ask the judge to reopen the case…
Can anyone lend more insight?

Hey all,
So as it says in the title, I'm on the cusp of signing my first commercial lease. It's a Triple Net Lease and while the contract is for 3 years, the additional rent (which is a completely reasonable amount), is only estimated for the first year.
After speaking with a contract lawyer, he advised to negotiate to put a cap on the amount that the landlord can increase the additional rent by yearly, but the landlord refused that counteroffer term.
It seems it's very hard to negotiate for any sort of protection in a commercial lease, and the landlord has been receptive to pretty much every other counteroffer I made, so I'm not particularly "suspicious", I'm just looking to cover myself.
My question for anyone that has experience: how regular does this additional rent situation sound, and are there any red flags raised for you?
Edit: this space is in Ottawa

I have had some major debt problems over the last few years only made worse by my previous medical conditions, however things are starting to get better and I am making more money but I still feel like I wont be able to dig myself out of this situation myself with my current living situation.
I currently make about $41k per year before taxes which reduces to about $29k after taxes, insurance, and required VRS and 401k minimum contributions. I do not know the exact amount of debt but it's probably in the ballpark of $8k to $16k all most all of it is in collections and about half being medical. I recently got a civil claim for money to the tune of about $950 and while I am going to try to settle it out of court, I am not really sure I am going to have the funds by my court date in mid July.
Right now my current fixed expenses are a $115 month car payment, $91 a month for insurance, $130 a month phone bill, two credit cards that both have a $35 a month minimum payment. I also have various subscriptions that I've recently started removed and am down to less than $100 a month on those but am trying to cut them out almost completely. I live at home and usually pay $600 to $900 a month to help supplement my mom's income so we just barely make ends meet. The rest usually goes towards food and clothing (new job has a dress code but I finally almost have 2 weeks worth of clothing saved up). One thing to keep in mind is all of my mom's income goes towards the 2 HELOC's (about $750 a month), water, electricity, and her own expenses including her vehicle that is starting to get up in age.
I probably spend about $120 on gas every month and car maintenance varies but it's getting higher as the car has 233k miles on it (car is my only option 60 mile daily round trip, no one car pools this far out and there is no public transportation) I also tend to eat out a lot as I usually work 3 nine hour shifts and 2 six hour shifts a week which I am trying to cut back on by making food at home, our oven is broken though which makes cooking food challenging there are also several major and minor repairs that need to be made around the house that we just simply can not afford in our current state.
I was about to start payment plans on one of the bigger debts I owed (about $4700) that would have been an extra $115 a month but now that I need to come up with $950 by July I feel like that is too much of a risk to take on that extra amount of fixed monthly payments but I am also worried that they are also going to come after me like that one creditor is doing. I am mostly past the health issues that were causing all the medical debt to pile up so I should be good on that front.
My credit is already in the toilet so filing for bankruptcy probably won't make it any worse, I'm also not sure what kind of Bankruptcy to file, I know that Chapter 7 discharges a lot of stuff but also they will seize assets and I could not afford to lose my car as it's my only form of transportation and I don't really own much of anything but also would not be willing to part with some of the stuff that I do own (I have a PC and a NAS that probably total about $1200 if they were sold today but they have a lot of important data on them both.) It's also my understanding that Chapter 13 usually requires a lawyer as it's much more complicated than Chapter 7.
I have not consulted with any debt management companies, mainly because I have not had the excess funds to do so, but if that is a good idea I will look into it, I more so just need some outside opinions on what to do next as I've been looking up a lot of stuff and am really not sure what would be the best way to proceed. In the short term I need to figure out how to deal with this civil claim for money especially if I am not going to have the funds by my court date and they refuse to settle out of court but I would like to get this debt issue resolved so I can start actually piecing my life back together.
UPDATE: Just pulled my credit report and interestingly a lot of the debt is just missing... I'm not sure if that is a good thing or a bad thing but it's missing from all 3 reports. One is for $5797 and one is for $849. The $849 is the one I assume I have the civil claim for but I am unsure why the other debt is just missing from my credit reports. Also have 3 accounts in good standing which are my auto loan and 2 credit cards
UPDATE 2: Just pulled my Equifax, first one was Transunion and it shows even less only showing my Revolving and Installments. I'm really not sure what is going on but I easily had over $8k minimum in debt, I'm really not sure if I should waste my 3rd yearly credit pull right now but I was not expecting those debts to just disappears from my report especially since I am still being harassed about them

Planning on filing Chapter 13 if possible as from what I’ve been reading, this is better for credit. Is that true?
Also did you see one in the south Seattle area that you liked?

I am having a hard time getting an answer from my lawyer about this.
I filed last month. My hearing is next week. However, in June/July I need to rent a car to go on scheduled medical trips out of the state. I cannot get there any other way. I need to rent these cars, and each time I do (for up to three trips), I need to have money on a credit card to "hold" the car. Some kind of insurance they release once they get the car back. As it is I am going to be paying more than I normally would because my Chase card would have covered the additional insurance, but now I am going to have to pay out of pocket.
What used to be about $50 total is now going to need at least $500 in resources. I want to apply for one of the credit cards I am getting solicitations in the mail from. I asked my attorney about this and all he says is that I cannot incur debt while in bankruptcy.
What does this mean? Is a hold a debt? Is paying the card off immediatly after use considered debt?
Could someone please let me know? This isn't about trying to go around the law, this has a practical aspect and I need to know soon so I can either apply for the card or continue to save money.

I'm in desperate need of a lawyer that can handle my false collections case....I have asked for proof of my debt in writing via certified mail to an address that is listed on their BBB account.
Turns out, they've changed their address 4 times it seems since 4 different locations (2 BBB, 1 Experian, 1 Transunion) show different addresses in different cities. I sent this out on the 22nd of April, and it's the 16th of May. Track the postage and turns out it's back en route to me since I'm assuming this address isn't even real.
I've submitted BBB Claims stating these things, then requesting validity/verification of debt, and all they do is provide me an old lease and nothing stating they own this debt and no acknowledgment from myself or anything in writing by me in ties with them.
This is originally from an old apartment complex in Denver that is no longer in Business anymore and they appeared to disappear from the map (bankruptcy most likely).
All of this is extremely shady and honestly, this along has ruined most of my adult life and if I don't get this solved now I don't know what to do.
I can't even get a new place for rent cause of these scumbags since it appears that I owe them a 5 figure amount for som b/s.
I thought with me going through these channels would be able to build my case and provide the MOST documents to an apartment complex, but all these shady place use A.I (realpage) to screw us over more and don't have a heartbeart internally or just don't care.
I am at the place now that this has caused me so much distress over the last 3+ years that I want to litigate this and get a resolution.
Anyone able to help? I don't have much funds but I have nothing else to do and have lost hope....I'm praying for a friend.
Thanks for coming to my Ted Talk (Sob Story)
Edit: This collection agency now resides in Tennessee. Which I also made a complaint to the Tennessee State Attorney General

I feel a sense of accomplishment and other emotions today, thinking back on the bad and good choices I've made to get to this point, and how this will change future behaviors and habits. I ran up a lot of debt on credit cards via cash advances gambling, and brushed it all aside since I was getting raises/bonuses at work pretty regularly, but it was never enough to keep up with my problem there. Getting divorced (surprisingly not related to this situation) really got me to the point I needed to file though, as I was essentially paying for two households at that point, and couldn't keep up with even min payments on all the debt.
But I wised up, found a good ch 13 lawyer who knew the local system/trustees/etc, and followed the lawyer's advice, word for word.
Now the waiting game to get the discharge complete paperwork. 60 months later, it started off slow but flew by the last couple years. Once you adjust you get used to it and keep looking at the light at the end of the tunnel, so to speak.
Lessons learned...
You really re-learn how to deal with money, it forces you to. Not sure if 5 years is necessary, I probably could have "figured it out" in 6-12 months, but I get they want to get as much of their $ back as they can. But re-framing how you see money is the real goal here, right? I get some people will get discharged and go right back to doing whatever they did before, but I think this is the main lesson learned.
It's been an interesting 5 years, especially since I've gotten numerous raises and bonuses (most of which never saw my bank account) - that's been the hardest part for me. I would have liked to have taken the family on some nicer vacations or upgraded some things at home, but, I get the way this works.
My lawyer set me up with the TFS auto-payment system, instead of getting a wage order at work, so as not to potentially draw attention to the bankruptcy, and it was very easy. Just like an auto-payment coming out of my checking account the same day every month, plus a few bucks tacked on for convenience factor. If you work in a job where reputation is important, you may want to consider this and ask your lawyer if it is possible to use TFS instead of garnishing wages. I know the lawyer had to make the motion/request/whatever it's called and get that approved early on in the payment plan after I had been making direct/manual payments through the trustee's website up til that point.
Overall it was the best choice given my circumstances - which I will hopefully never need to deal with again.
Now on to buying a house...

So I had worked for a small business who I had left for some time (years) and came back to after it changed ownership. We are W2 employees. Taxes are being withheld from my checks. Come tax filing time, everyone filed close to February 1st as we knew the shop was about to close permanently and we needed the money from our returns to open up shop somewhere else. So not long after filing ALL of us got letters that our returns were taking longer than normal and to please give it 60 days. Well, red flag. I've never had issues with my returns before. And the fact that all 3 of us got the same letter? 🤔 So, I talked with some of the other girls that had moved on to other jobs to see if they had issues with their returns. One had stated that it had been like that since this owner took over. And that one year the IRS told her they had no proof she paid taxes....even though they were being withheld from her check. She said it was eventually straightened out after she threatened to give the IRS the owners personal phone number. So about the first week of April we called the IRS. They said she hadn't reported our earnings yet and that was what is causing the hold up.
So my questions are:
How long will they give her to report our earnings?
Is this something I can threatened to hire a lawyer over?
What would happen if she were to file bankruptcy and she hadn't paid the taxes she had withheld from our checks?
Mind you....this lady is an accountant as well...so she knows better....

Hi , wondering if anyone has successfully dissolved and closed a business and how they handled their eidl loan? I sent email to sba letting them know of closure and this is what i got back … not sure what they can come after since the loan was not personally guaranteed? Any information is greatly appreciated. I also spoke to a bankruptcy lawyer and had him review my loan docs and he also said their is no personal guaratee.
Thank you for contacting the U.S. Small Business Administration Customer Service Center regarding assistance related to your SBA loan. We regret to learn of the closure of your business.
However, we must advise that a business closure does not extinguish the debt to the SBA. The debt remains the obligation of the borrower, co-borrowers, or guarantors.
Your file is with your loan servicing center. We recommend you email that office directly at covideidlservicing@sba.gov with any questions related to your present circumstances. Please include the SBA Loan Number or other identifying information with your request.
If you have additional questions or require further assistance, please call 1-833-853-5638 (Monday through Friday from 8:00 am to 8:00 pm Eastern Time) or, if you are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.
Sincerely,
Office of Capital Access, Customer Service Center U.S. Small Business Administration

I am starting to look for a bankruptcy attorney. I live in southern California and have a mortgage. I am single and my income is mainly ebay and amazon (claim the 1099s I receive). I grossed approx $80k in 2023. I also do odd jobs here and there. Handyman type stuff. Usually never over $550 a job which I get paid cash, thru zelle or venmo. I haven't filed taxes for 2023 nor 2022 yet. Im working on that. I owe approximately $22k in taxes to the Fed and state. $18k fed (make month payments) $4k state (lein on home). I have about $80k Credit card debts, all in collections. Have been served by creditors for two so far. One for $18k and one for $5K. I also have a SBA loan for $110K.
SBA $110K
Credit Cards $80K
Mortage is $220K left have a second $50K, value if sold (zillow) $700K
I've called a couple attorneys so far, both say Chap 7 is best solution. One charges $3500 the other $2000. Im confused on the pricing. Both offer same services from the sound of it.
I guess I'm looking for help on what questions or things should I be looking for when choosing the right attorney . I've only had to use a lawyer in my life one other time and it was the worst experience ever. Complete waste of my $$$$ I felt at the time.
I just feel so embarrassed with myself that Ive put myself in this situation, but I have excepted my mistakes and need to move forward. Anyways, any advise is appreciated.

Hi guys! So I’m usually a quiet lurker but this has rlly been nagging me and wanted to reach out to get some recommendations or advice! So I’m going into my 4th year of undergrad doing a double major, and am now studying for the lsat, but our final grades came out and unfortunately my gpa is lower than I would’ve wanted especially bc it’s well below the median for Columbia which is my dream school. My gpa currently is 3.77 (was supposed to be 3.81 but I took a summer semester last yr and got a whopping 3.2 term gpa which dragged my 3.72 at the time down, and this yr I had a 3.92 and 4.07 gpa respectively which balanced it out to 3.77). Anyways this has honestly been really bumming me out especially since so many people with insane scores and gpas have been getting rejected so I stand no chance loool, but anyways, I wanted to ask you guys (especially those who have applied already) what t-14 schools might be better or more realistic choices for me to also apply to? I know I could google but I really do want to get some advice from those who have applied already!
I also am going into my fourth yr as I mentioned so I have 2 more semesters of school left, idk if I should maybe hold off on applying this year and apply next year after graduation? That will put me a year behind which I really don’t want but I also don’t know if the .25 or .5 increase in my gpa if I really really kick ass next year would make a huge difference in apps.
I’m planning on scoring 170+ on the lsat (I’m literally delusional but I’ll make it happen) and as for softs I have:

• a research assistant position and a journal article submitted for review + another we’re working on at the moment which will probably also be under review before applications are due in nov
  
• a lab advisor job at my uni (techy stuff)
  
• a political program thing (kind of like an internship but not really) I did over the summer last year, similar to like model UN where we worked closely with political leaders, lawyer, journalists and poli sci professors both at my home uni where it was being held, and then down in Ottawa in the senate (BTW IM A CANADIAN APPLICANT so technically I’m considered an intl student applicant for US schools but i don’t think there’s any important difference)
  
• an exec position in a student group and a gen member of another one (exec in women in law which worked towards breaking barriers for women and gen member for an innocence group which is apart of a bigger no affiliate group called innocence Canada)
  
• minor volunteering (youth tutoring/this democratic summit volunteering)
  
• a minority
  
• first gen
  
• and I’m waiting to hear back on doing volunteering for youth justice probation for the state government, or taking on an assistant position at a criminal law firm (of a lawyer who represented my sister in a domestic violence case a few years back), OR a minority women’s organization who assists with refugee/immigrant, women and family support services in my community OR (heard back from this one) a youth justice committee member (for those who don’t know it’s a program initiated by the Attorney general (fed government) which provides alternative to court proceedings for youth who have been charged. Here we pretty work towards conflict resol and get accused youth and parents to an appropriate stage where the youth can make amends for their crime.
  

For the couple of positions I’m waiting to hear back on, if there’s any you guys think may be better fit or would be a more appealing soft for the t-14’s pls let me know!
And yeah! It’s not much but that’s what I have! I’m open coast to coast and would love to hear opinions and feedback from you guys! I’ll also be applying to one or two safe schools in Canada but I really do want to eventually end up in nyc big law so 🤷🏽‍♀️