Gregory Napier

Thinking about a payday loan? You might get a surprise!

Bankruptcy can be the best option for a new beginning free from overwhelming debt.  For someone suffering through constant collection calls or pending repossessions, filing for bankruptcy can provide a welcome injection of immediate relief.  Some of this relief comes in the form of an automatic stay.  Filing for bankruptcy creates the stay, which forces most creditors to stop collection activities against the person filing for relief.  After enduring incessant calls, demanding letters, or threats of lawsuits, you will breathe your first sigh of relief when the stay is in place and the collection attempts finally stop. Unfortunately, some types ...
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CARES Act and SBA Loans Update

Small businesses are facing unprecedented economic hardships with the enforced shutdowns due to the coronavirus crisis. The CARES Act was passed with sweeping provisions to help small businesses remain the backbone of our economy. So, we want to get updated information to business owners. Check out our video on Facebook or on YouTube for a discussion regarding the Paycheck Protection Program and the Emergency Economic Injury Grant (loan). Follow us to continue to receive timely information to help your business thrive. For more information on those two programs and for the Small Business Debt Relief Program you can also go ...
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Chapter 7 and Student Loans

Student loans are not automatically discharged in a bankruptcy. It requires an adversary proceeding, which is a lawsuit within a lawsuit, in order to determine if student loans are discharged. The factors that have to be met make discharge of student loans relatively rare. However, that is not the purpose of this post. Rather, I wanted to explain what does happen to the student loans. Once the holder of the student loan is notified of the Chapter 7, the loan is recharacterized in their computer system and no action will be taken until the bankruptcy ends. Sometimes the characterization of ...
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Alliance Peacemaking: Conflict Coach

I have benefited immensely from the alternative conflict resolution training offered by Alliance Peacemaking. Even though I am already a certified Family and Divorce Mediator in Kentucky, I have sharpened skills, gained insights, and adopted some effective approaches through the training that enhance my practice. The first level training is available and beneficial to everyone, whether or not they wish to become a mediator; anyone wishing to improve communication, relationships, and their spiritual walk. I am now a certified Conflict Coach through Alliance Peacemaking. This means I am qualifited through the Christian & Missionary Alliance to provide that first level ...
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Divorcing Without a Lawyer: Mediation

As a supplement to my first post on Divorcing Without a Lawyer, I wanted to offer another cost saving approach when you do not or cannot pay for a lawyer. A good, qualified family law mediator can help avoid some of the pitfalls of a purely pro se divorce. When I do a divorce mediation, I know all the categories and issues that can come up in a divorce and I present those to the couple. I go through each topic and ask them if they have discussed it and then I know where to start the dialogue. By touching on ...
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Bitcoin and Bankruptcy

There is probably already a post out there regarding bitcoin and bankruptcy because it seems all the rage these days. However, I have not seen one, so I will claim the first. Perhaps though, it is because there is really only one thing to say about bitcoin and bankruptcy. As opposed to the complexity of every other aspect of bitcoin, this is really quite simple: bitcoin is an asset in a bankruptcy so it must be disclosed. I hope that is sufficient explanation. Now that I think of it, though, there could be one rather challenging aspect of bitcoin and ...
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