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    How Dixon & Johnston Can Help You Prevent Foreclosure

    Last updated 3 days ago

    One of the biggest fears people have when it comes to bankruptcy is foreclosure on their home. While foreclosure is a real possibility if you are delinquent on mortgage payments, the bankruptcy attorneys here at Dixon & Johnston can greatly improve your chances of keeping your home. We will discuss your circumstances and options under consumer bankruptcy protection and figure out the best way for you and your family to stay in your home. 

    Whether or not the foreclosure proceedings have started on your home, contact Dixon & Johnston, P.C. today. Contact us online or call us at (618) 207-3770 to schedule your initial consultation with one of our experienced bankruptcy attorneys. The sooner you contact us, the stronger your case will be, and the better chances you have of keeping your home. 

    What is a Bankruptcy Look-Back Period?

    Last updated 6 days ago

    When you file Chapter 7 bankruptcy, the trustee has the power to look back and undo certain transactions that took place prior to your bankruptcy filing. During this look back period, which can vary from 90 days for “outsiders” and 365 days for “insiders”, transactions will be scrutinized for avoidable preferences. To learn more about the bankruptcy look-back period, watch this brief video clip. 

    Filing for Chapter 7 bankruptcy is a complex legal matter, so it is in your best interest to hire an experienced bankruptcy attorney to help you file. The attorneys here at Dixon & Johnston, P.C. can help you prepare for and file Chapter 7 bankruptcy. Call our law firm at (618) 207-3770 to learn how our bankruptcy attorneys can help you. 

    Comparing SSI Disability and Social Security Disability

    Last updated 10 days ago

    While Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are very similar programs, there are some major differences between the two. Knowing the differences between SSI and SSDI can help you determine which Social Security program is right for you. If you are applying for either of these programs for the first time, or if your application has been rejected, contact a disability attorney to make sure you get the financial help you deserve. Now, let’s compare SSI and SSDI benefits.

    History

    Although SSI and SSDI are both cash programs offered by the Social Security Administration, the two programs were established at different times and under different circumstances. SSDI dates back to 1960, when Social Security’s rules were amended to allow disabled workers of any age and their dependents to receive benefits. SSI was established in 1974 and combined numerous state and federal programs that offered benefits financed by federal aid.

    Eligibility and Benefits

    SSI pays benefits to low-income citizens who are 65 or older, to adults who are disabled and/or blind, and to children who are disabled and/or blind. In addition, an individual must meet the living arrangement requirements to be eligible for SSI benefits, which vary up to the maximum federal benefit rate and may be supplemented by the state. In order to be eligible for SSDI benefits, a worker must have earned sufficient credits based on taxable work before becoming blind and/or disabled. SSDI benefits are payable to disabled workers, their children, windows, and adults disabled since childhood. The amount of monthly disability benefits under SSDI is based on the individuals Social Security earnings record.

    Whether you have been denied benefits or have yet to submit a claim, the disability attorneys at Dixon & Johnston, P.C. can help. Our law firm specializes in Social Security law, and we can help with both SSI and SSDI claims. Visit our website to learn more about our services, or call us at (618) 207-3770 to schedule your initial consultation

    What to Expect if You File Chapter 13 Bankruptcy

    Last updated 13 days ago

    While Chapter 7 bankruptcy can eliminate all or most of your unsecured debt virtually overnight, Chapter 13 bankruptcy is sometimes the better option depending on your financial situation. Also known as debt reorganization or debt adjustment, Chapter 13 bankruptcy essentially stops all collection actions against you (including foreclosure and repossession proceedings) while you draft and execute a plan to repay your debts over time. Here is a look at what you can expect if you file Chapter 13 bankruptcy with a bankruptcy attorney.

    Plan and Confirmation Hearing

    After filing the necessary documents with the bankruptcy court serving the area where you live and paying the associated filing and administrative fees, you must submit a repayment plan for court approval. This plan must provide for payments of fixed amounts to the trustees on a regular basis, typically bi-weekly or monthly. Within 45 days of filing the repayment plan, the bankruptcy judge presiding over your case will hold a confirmation hearing and decide whether the plan is feasible.

    Automatic Stay

    As soon as your petition to file Chapter 13 bankruptcy is approved by the courts, a special automatic stay provision goes into effect which ends all current and future collection actions against you. In other words, a creditor may not seek to collect a consumer debt from you or anyone else who is liable for the debt incurred. Automatic stays also cease foreclosure and repossession proceedings, which mean Chapter 13 bankruptcy can save your home from foreclosure if you are behind on your mortgage payments.

    If you are in debt and thinking about filing bankruptcy, contact Dixon & Johnston, P.C. Our attorneys can discuss Chapter 7 and Chapter 13 bankruptcy with you and help you decide which option is best for you and your family. Once you decide which option is best, we will help you file the necessary documents and represent you in court to protect your assets. Call us today at (618) 207-3770 to schedule a meeting with one of our bankruptcy attorneys today. 

    What are the Acceptable Medical Sources for Disabled Evaluation?

    Last updated 17 days ago

    Medical evidence is the cornerstone of determining your eligibility for SSI or SSDI benefits under Social Security disability law. When you file a disability claim with the Social Security Administration, you are responsible for providing medical evidence showing that you have impairment(s) and the severity of the impairment(s). Documentation must come from a medical professional as defined by the SSA as an “acceptable medical source.” Examples of acceptable medical sources are licensed physicians, licensed or certified psychologists, licensed optometrists, licensed podiatrists, and qualified speech-language pathologists. 

    The disability attorneys at Dixon & Johnston, P.C. can help you file your disability claim and appeal a rejected claim with the Social Security Administration. Contact us online or call us at (618) 207-3770 to speak with one of our experienced disability attorneys about your claim. 



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