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If a veteran receives an adverse Regional Office (RO) decision from the VA Regional Office denying his or her VA claim in whole or in part, the first initial step in the appeal process is to file a Notice of Disagreement (NOD). For any appeal, the filing of a Notice of Disagreement (NOD) is mandatory and cannot be avoided if the Veteran wants to proceed with appellate review of his claim.

When going through any sort of financially trying times, it is perfectly normal to feel overwhelmed. From large amounts of credit card debt, impending foreclosure, or expendable income slowly being eaten away, money-related stress is seemingly everywhere these days.

Even when the decision to file for bankruptcy has been made, money-related stress doesn’t completely disappear. It is important to keep everything in perspective, though.

After the emotional and financial turmoil of going through a divorce, there is nothing more frightening than being faced with the possibility that your ex-spouse may be able to avoid his or her financial responsibilities to you by seeking bankruptcy relief. The good news is that, for the most part, this will not be true. However, there are some exceptions to this general rule.

In this blog, we have covered a few tips to help individuals reduce their debt burdens and the stress that inevitably comes along with it.

It is no mystery to anyone reading this that debt is undesirable. While it is sometimes necessary, the truth is that paying interest to an individual or bank that lent you money is essentially throwing money down the drain.

A common bankruptcy myth is that it takes seven (7) years after filing bankruptcy before you can get new credit. This is simply untrue. Any kind of bankruptcy can be reported on your credit for up to ten (10) years but this does not mean that you can’t obtain new credit during the ten (10) year period. In fact, most of our clients receive letters shortly after they receive their bankruptcy discharge with offers of new credit. Many automobile dealerships advertise that they will finance a car purchase following a bankruptcy discharge.

In today’s world, ‘debt’ is a 4-letter-word. For the vast majority of the people who hear the word, it brings to mind stressful feelings, and possibly painful memories.

It would be fantastic if we were all able to live a life completely free of debt, but it is often a necessary evil. Buying a house almost always requires being approved for a loan from the bank, and the same usually goes for buying a new car.

Technically, the provision for the automatic stay that applies to every bankruptcy case that is filed is found in 11 USC §362. This is the Unites States Bankruptcy code. The practical effect, however, of the automatic stay is of utmost importance to anyone seeking relief from creditor harassment, repossession of personal property or foreclosure of real property. This provides a huge relief to people who file for any chapter of relief under the bankruptcy code.

A largely unknown problem with applying for Social Security Administration (SSA) disability benefits while drawing unemployment benefits is the competing oaths claimants swear: for disability it is that they can’t work at all; for unemployment it is that they can work but can’t find a job.

If you are a veteran and you want to file a claim with the VA, this is a sample of what a claim should look like from you to the VA. You can simply put it on a regular piece of white paper and make sure it is dated and signed by you. Once you have it completed and signed, make a copy of it and then take the original and mail it by certified mail, return receipt requested, to the VA Regional Office (VARO) located in the state where you currently live.

No one looks forward to having to file for bankruptcy, but with the help of a good lawyer, it’s certainly possible to come out the other side better prepared for the future than before. Before hiring a bankruptcy lawyer, however, make sure you have all your records gathered together in one place. There will be a lot of paperwork to file, and everything you claim has to be proven.