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How Does the Consolidated Appropriation Act Intersect with Bankruptcy?
December 27, 2020 Congress passed the longest bill ever – 5,600 pages. The Consolidated Appropriation Act “CAA”, I can only assume, like so many of the other laws created by the Legislative branch, that this huge Act contains lots of special interest provisions, but I regress. My focus here is to discuss how this Act interconnects with bankruptcy (note – the entire Bankruptcy Code is less than 200 pages). The following is reprinted for educational purposes only.
According to a blog by David Warfield and David Farrell, Thompson Coburn, LLP, there are nine amendments to the Bankruptcy Code in the CAA. Below are brief descriptions of each of these amendments. It is possible that these interpretations of the new Act will change with new legislation or court decisions, so never assume what you read one day will be interpreted the same way the next day.
A brief description of the amendments follows.
1. PPP loans to debtors (or trustees)
The Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”), enacted on March 27, 2020, created the Paycheck Protection Program (the “PPP”), the now-familiar forgivable loan program administered by the Small Business Administration (“SBA”). Almost immediately after the passage of the CARES Act, debtors began applying for PPP loans, triggering a controversy about the availability of such loans to companies in bankruptcy. The SBA consistently opposed PPP loans for debtors, and the caselaw around the country was inconsistent. As recently as December 22, 2020, the Eleventh Circuit held that debtors could not obtain PPP loans. See USF Federal Credit Union, et al. v. Gateway Radiology Consultants, P.A., 2020 WL 7579338 (11th Cir. December 22, 2020).
The CAA addresses the PPP loan issue but regrettably only adds to the uncertainty. The CAA amends the Bankruptcy Code to permit PPP loans to certain debtors. However, the statute also says such PPP loans will be available only if the SBA Administrator sends a letter to the Director of the Executive Office for United States Trustee acquiescing to PPP loans in bankruptcy. Therefore, the new statute seemingly delegates to the SBA administrator the discretion whether to approve PPP loans during bankruptcy, so we do not yet know whether these PPP loans will be available.
Assuming the SBA Administrator acquiesces to PPP loans in bankruptcy, the loans will be available: (a) only in cases filed after the date the SBA sends the aforementioned letter to the Office of the United States Trustee, and (b) only to certain types of debtors, namely Subchapter V small business debtors, Chapter 12 family farmer debtors, and self-employed Chapter 13 debtors. This provision, if it becomes effective, will sunset on December 27, 2022.
2. Chapter 13 discharge available even if certain plan payments have not been made
The CAA amends Section 1328 to give the bankruptcy court discretion to grant a discharge to a Chapter 13 debtor even though the debtor defaulted on or after March 13, 2020 in not more than three monthly payments under a residential mortgage because of a material COVID-19 related financial hardship. Furthermore, the court can also grant a discharge to a debtor whose confirmed plan provides for curing defaults on a residential mortgage, and the debtor has entered into a qualifying loan modification or forbearance agreement with the lender. This does not mean the debtor will be discharged of the mortgage debt, but a debtor will be eligible to receive a plan discharge of other debts even though the debtor did not pay all mortgage payments when due under the plan. This provision sunsets on December 27,2021.
3. No discrimination because of bankruptcy filing
The CAA amends Section 525 of the Bankruptcy Code to provide that no person may be denied relief under three enumerated CARES Act provisions solely because the person is or was a debtor in a bankruptcy case. The three CARES Act provisions are: (a) the foreclosure moratorium and right to request forbearance (15 U.S.C. § 9056), (b) the forbearance of mortgage payments for multifamily properties (15 U.S.C. § 9057), and (c) the temporary moratorium on eviction filings (15 U.S.C. § 9058). This provision sunsets on December 27, 2021.
4. CARES forbearance claims; modification of Chapter 13 plan
Under the CARES Act, mortgagors under federally-backed residential and multifamily mortgages can request payment forbearance because of COVID-19 hardships. In the case of federally-backed residential mortgage, the forbearance period can be as long as 12 months. At the end of the forbearance periods, the mortgagor must pay the deferred mortgage payments in a lump-sum. These deferred mortgage payments caused significant procedural and administrative complications in Chapter 13 cases. To remedy these complications, the CAA allows qualified servicers to file a proof of claim for the deferred payments, even if the claims bar date has passed. The CAA also authorizes debtors to modify a confirmed Chapter 13 plan to address the deferred payment plan. If the debtor fails to modify his plan, the bankruptcy court (on its own motion), the U.S. Trustee’s office, the Chapter 13 trustee and/or any party in interest may move for such a modification. These changes sunset in on December 27, 2021.
5. Extended time for performance under an unexpired non-residential real property lease in a Subchapter V case
The CAA amends Section 365(d) of the Bankruptcy Code to allow the court to extend a Subchapter V small business debtor’s time to perform under an unexpired lease of non-residential real property if the debtor is experiencing or has experienced a material financial hardship due, directly or indirectly, to COVID-19. The extension is limited to 60 days after the filing unless the court finds the debtor is continuing to experience a COVID-19 financial hardship, in which case the court may extend the period for an additional 60 days. Any deferred obligations that are unpaid at confirmation constitute administrative expenses, but the debtor may spread the payments out over time under the confirmed plan. These changes apply only to cases commenced under Subchapter V, and they sunset in two years on December 27, 2022.
6. Extended time to assume or reject an unexpired non-residential real property lease
The CAA amends Section 365(d)(4)(A) of the Bankruptcy Code to give the debtor (or trustee) 210 days after the order for relief to assume an unexpired non-residential real property lease, thereby extending the period under prior law by an additional 90 days. This change applies to cases under all chapters, and it sunsets in two years on December 27, 2022.
7. Preferences
The CAA amends Section 547 to prohibit a debtor or trustee from avoiding payments made by a debtor during the preference period for “covered rental arrearages” and “covered supplier arrearages.” To qualify for the exemption, (a) the debtor and the counterparty must have entered into a lease or executory contract before the filing, (b) they must have amended the lease or contract after March 13, 2020, and (c) the amendment must have deferred or postponed payments otherwise due under the lease or contract. The preference exemption will not apply to the payment of fees, penalties, or interest imposed in the post-March 13, 2020 amendment. This provision sunsets in two years on December 27, 2022.
8. Utilities
The CAA amends Section 366 of the Bankruptcy Code to prohibit a utility from discontinuing utility services to an individual debtor so long as the individual debtor pays the utility company for services rendered in the twenty-day post-filing period and continues to make all other postpetition utility payments, even if the individual debtor did not otherwise provide the utility company with adequate assurance of payment. This provision sunsets in one year on December 27, 2021.
9. Customs duties
The CAA amends Section 507(d) of the Bankruptcy Code so that a party that pays the United States government a customs duty on behalf of an importer is subrogated to the government’s priority status under Section 507(b)(8)(F) for customs duties. This provision benefits customs brokers and forwarders who frequently pay the government for customs duties on behalf of their importer-clients. This provision sunsets in one year on December 27, 2021.
David Warfield is the co-chair of Thompson Coburn’s Financial Restructuring Group. David Farrell represents secured lenders, securitization participants, unsecured trade creditors, creditors’ committees, and buyers and sellers of distressed businesses.
.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:980px) {.fusion-title.fusion-title-1{margin-top:15px!important;margin-bottom:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:10px!important;margin-bottom:10px!important;}}MUSINGS BY DIANE:
The last few years has shined a spotlight on a dirty little secret known only by a few. That being the role of the politician is the same as that of the magician – to mislead their audience. Unfortunately, the politician can cause significant long term consequences when misleading their audience (you and me). It will take years, if ever, to uncover what this latest bill (5,600 pages of legal mumble-jumble) hides. Meanwhile, those who really need help are left with $600 to buy a few groceries. Very few small businesses will survive COVID, those who do will be faced with a long climb to rebuild.
One good thing came out of COVID – that was to question the way we conduct business or share information. It is my hope that we will never return completely to our pre-COVID business structures. Instead, we learned that we can still do our jobs while taking care of our family and walking the dog. We realized that family and friends are just as important as our jobs and that we can take time for ourselves without feeling guilty.
@media only screen and (max-width:980px) {.fusion-title.fusion-title-2{margin-top:0px!important;margin-bottom:6px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-2{margin-top:10px!important;margin-bottom:10px!important;}}– Diane L. Drain.fusion-body .fusion-builder-column-2{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 30px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 45px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}.fusion-button.button-1 {border-radius:10px;}.fusion-button.button-1.button-3d{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);}.button-1.button-3d:active{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);}Click here for steps to your free bankruptcy consultation
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- Options in Paying Your Mortgage During COVID
- 10 Things You Need to Know Before Filing Bankruptcy
- Rebuilding Your Credit Score After Bankruptcy
- Debt Collectors Profit Because of COVID and Want More Money
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Student loans might be discharged through bankruptcy.
A bankruptcy filing is a legal process that enables debtors to overcome financial problems and deal with their burdening amount of loans and debt. A bankruptcy petition may also help an individual have a fresh start at life. There are, however, certain things you need to consider before declaring bankruptcy:
- Bankruptcy forms are suited for certain types of debt
A specific declaration of bankruptcy that worked well for one could or could not work for another. Each bankruptcy case is unique, and you must think thoroughly to know which one is most appropriate.
There are different types of bankruptcy for different people and circumstances. The most common phrases you will encounter are personal bankruptcy, consumer bankruptcy, or business bankruptcy. The types of debt you owe, what you currently have, and how you intend to wipe out or pay all your debts will factor into the bankruptcy chapter suited for you.
Bankruptcy forms may look simple and easy to fill out, but they are not. You should hire and consult with a reliable bankruptcy lawyer. To avoid discrepancies and other issues, it is important to understand bankruptcy filings. You must be very honest when providing information about your finances, as these will be looked into during the actual bankruptcy proceedings. Be detailed and truthful when disclosing your assets, total debt, and list of creditors. If you violate any federal bankruptcy law, you may be sued and charged with a federal crime.
- Filing bankruptcy is not cheap
Filing for bankruptcy can be expensive. From filing fees to court fees, it would cost you a lot of money. Filers may petition for a fee waiver. The bankruptcy court will likely look into your monthly income and decide on the approval of the waiver.
- Know the different types of bankruptcy
Bankruptcy Chapter 7 is also known as liquidation bankruptcy. Individuals who file bankruptcy under this chapter will have their assets liquidated, the sales shall be distributed to his or her creditors. To ensure that there is no interaction between the debtor and any creditor, a bankruptcy trustee will be assigned to take care of selling and making payments to the creditors. Bankruptcy cases under Chapter 7 usually take about four months.
Meanwhile, if you want to secure most of your personal property while dealing with debt, reorganization bankruptcy is for you. Filing bankruptcy under Chapter 13 will allow an individual to keep his or her assets. In this type of bankruptcy proceeding, you will pay back lenders with whom you have a secured debt (such as car loans or mortgage payment) through a payment plan. Under the relevant bankruptcy law, such a plan will run for a set period, usually three to five years. While you must pay for the value of non-exempt properties to unsecured creditors, its main advantage is that you will be able to avoid repossession and foreclosure.
After filing a bankruptcy petition, an automatic stay shall take effect. In either chapter, this protects you from debt collectors. This can stop foreclosure, eviction, wage garnishment, and utility disconnections. However, there are certain issues that an automatic stay cannot stop, such as those involving tax proceedings, criminal proceedings, or pension loans. Bankruptcy lawyers educate you on how this would work for your particular case before you file for bankruptcy.
Bankruptcy laws can be detailed and confusing. If you are struggling with debt and loans, seek help from trusted bankruptcy attorneys. Remember, you may face fines and penalties if any bankruptcy rules will be violated. Such additional expenses would be the last thing you would want.
A bankruptcy proceeding begins with filing a petition in bankruptcy court. The goal of going through the tedious bankruptcy process is for you to wipe out or repay all your debts. It is highly recommended that you contact an experienced bankruptcy attorney as soon as early as you can. Ask about the bankruptcy procedure, including anything unclear to you with an experienced bankruptcy attorney.
For legal help and assistance on your bankruptcy filing, give us a call at the Northwest Debt Relief Law Firm.
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The post Filing Bankruptcy: Advantages and Disadvantages appeared first on Vancouver Bankruptcy Attorney | Northwest Debt Relief Law Firm.
“Diane and Jay saved us. We were in deed financial trouble due to my mother’s care.” P.E.
Diane and Jay saved us. We were in deep financial trouble due to my mother’s care. Both Diane and Jay were always available to answer any questions and helped us through the entire process. In the beginning it was a bit daunting putting together all of the information, but necessary. Once we turned everything over to Diane we never had to deal with it again. Diane went with us to our meeting with the trustee which was amazing considering some of the people there just met their representative at the hearing for the first time. If you want the best bankruptcy attorney, that’s Diane Drain!
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While every Chapter 7 and 13 bankruptcy case ends with a bankruptcy discharge, not all kinds of debt may end up in bankruptcy discharges. Knowing ahead of time which debts the court may or may not be discharged can help you avoid a major disappointment and prepare for what’s to come. This article discusses which debts can be wiped off and which debts you will still need to pay back to your creditors.
A discharge notice is a court order which legally declares that you no longer have any obligation to pay back certain debts after your bankruptcy case. This legal document is the “light at the end of the tunnel” sought by every Chapter 7 and Chapter 13 bankruptcy filer.
Dischargeability of Debts
However, certain obligations are not allowed to be wiped out. These include government-mandated loans and fees such as child support, alimony or spousal support, car and home mortgages, taxes, homeowner’s association dues, debt due to fraudulent activity and criminal convictions, DUI or DWI related loans, student loans, and nondischargeable debts remaining from your previous bankruptcy application.
The bankruptcy court, when making its decision, shall assess your financial situation and determine whether or not to remove your obligation to pay back the following dischargeable loans: credit cards, medical bills, and nursing expenses, personal and business loans, utility bills, lawsuit judgments, mortgage payments (past due), tax penalties, and other unsecured debts.
If the government has a lien on your property, you will still be required to pay property taxes before you can remove the debt. There are special exemptions where a borrower can have his tax debts removed such as: when the taxes are from income tax; if it had been due for three years before your case was filed; if you have a record of filing taxes on time and there was no intent for tax evasion, and all your tax return statements are clean (no evidence of fraud).
Chapter 7 vs. Chapter 13 Discharge
The timing of the release of the discharge notice will depend on which type of bankruptcy you applied for. If you file bankruptcy under Chapter 13, then the discharge notice will only be given after you are done fulfilling the new repayment plan agreed upon by you, your lenders, and the bankruptcy judge. Since Chapter 13 bankruptcies allow filers to catch up on their payments within three to five years, the discharge can happen after the payment period is over.
On the other hand, debts can be discharged in just a few months when you declare bankruptcy under Chapter 7. Of course, you will need to satisfy the eligibility requirements for filing. If you are not familiar with the qualifications, then a licensed bankruptcy attorney near you can help you determine which bankruptcy type suits you. Choosing this option when filing bankruptcy means you agree to have a bankruptcy trustee handle your properties and sell your assets to pay back your creditors.
Bankruptcy Dismissal and Discharge Denial
Bankruptcy discharges are different from bankruptcy dismissal. You would not want to get the latter, because dismissals mean the debtors still owe their debts. Your case can be dismissed if you fail to provide your monthly payments (Chapter 13 debtors) or if you don’t have enough assets to liquidate (Chapter 7 borrowers). There are other potential reasons for the court to dismiss a case, such as failing to attend your credit counseling course, having an income above your state’s median income, or evidence that you committed bankruptcy fraud, and that you don’t intend to repay your loans.
In certain cases, your case may not have been dismissed but your bankruptcy discharge gets denied. Even if you’re bankruptcy petition went through, bankruptcy courts may, later on, decide to deny you a discharge if they found evidence of any of the following:
- Disobedience to court orders
- Misinformation and misrepresentation in your bankruptcy documents
- Defrauding creditors through asset transfers
- Facing perjury charges during your bankruptcy proceedings
- Non-attendance in credit counseling sessions
Getting the Discharge Notice
Once your debts have been wiped clean, you will receive a copy of the document and your lenders will also be notified about the bankruptcy order. As soon as this is released, no creditor, lending company, or agency can go after any debt listed in the notice. If they continue calling you, you can even sue a lender for contempt.
In a discharge, creditors also lose the right to file a lawsuit against you for failing to pay your dues. You also don’t need to worry about taxes because discharged debts are not taxed by the IRS.
However, you should prepare to see the discharged debt on your credit report. Moreover, while contractors can’t reach out to you about a dischargeable debt, they may still take actions to repossess your item or property especially when there is a secured lien on it.
If you’re worried about losing your home or valuable possession, speak with a bankruptcy attorney right away to prevent foreclosures and repossessions. Our compassionate bankruptcy attorneys from Northwest Debt Relief Law Firm are dedicated to helping you overcome obstacles and achieve financial success.
At The Northwest Debt Relief Law Firm, we believe that getting you out of debt involves more than filing your bankruptcy case. That’s why we offer every client a complete package, which includes a free initial consultation with an experienced bankruptcy lawyer, free collection letter review, flexible payment plans, unlimited phone calls and emails, complete court representation, and many more! Call us now and let us get started on your journey to debt relief.
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The Hardest Question You’ll Get Asked at Your Bankruptcy Hearing Like most people, you will be stressed when you get ready for your bankruptcy hearing. People are worried they’ll be asked “How did you get into this mess?” Actually, that almost never comes up. The hardest question that always comes up is this one: “Have […]
The post “Have You Sent Us a Bank Statement for Every Account?” by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.
The Hardest Question You’ll Get Asked at Your Bankruptcy Hearing Like most people, you will be stressed when you get ready for your bankruptcy hearing. People are worried they’ll be asked “How did you get into this mess?” Actually, that almost never comes up. The hardest question that always comes up is this one: “Have […]
The post “Have You Sent Us a Bank Statement for Every Account?” by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.
For many people filing their federal income tax return is followed by the anticipation of receiving a refund check from the government. This annual refund becomes part of an individual’s yearly budget. When filing a bankruptcy the question arises of what becomes of that expected yearly bonus. The first thing to understand is, when you […]
The post How Bankruptcy Affects Your Tax Return in California appeared first on The Bankruptcy Group, P.C..
Are you financially stressed right now? What to know about options, from debt negotiation to bankruptcy
This short video from the Consumer Financial Protection Bureau “CFPB” is actually very informative and goes over the various options for homeowners who have received a forbearance. If the homeowner is not in Chapter 13, contacting their servicer or discussing their options with a HUD approved counselor is their best course of action. If the homeowner is in Chapter 13, they need to contact their attorney (you) for advice.
This video (click here) explains basic options dealing with your mortgage, paying back missed payments once a forbearance end. Remember that it is very important to know what type of mortgage loan you have because each type (federal, conventional or private) have different processes or options or no options at all.
.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:980px) {.fusion-title.fusion-title-1{margin-top:15px!important;margin-bottom:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:10px!important;margin-bottom:10px!important;}}MUSINGS BY DIANE:
My favorite client, or prospective client, is someone who wants to learn as much as possible about their situation, so they can make informed decisions. Finances are confusing and everyone needs to take time to determine the best way to find a solution that works in the long run, not just today. Never rely on the Internet for advice – there is more bad advice than good. Always seek advice from at least two people or resources who are experienced in the area you need help. Know both the pros and cons of your options. Once armed with good information, then use your common sense to decide what is best for you.
@media only screen and (max-width:980px) {.fusion-title.fusion-title-2{margin-top:0px!important;margin-bottom:6px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-2{margin-top:10px!important;margin-bottom:10px!important;}}– Diane L. Drain.fusion-body .fusion-builder-column-2{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 30px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 45px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}.fusion-button.button-1 {border-radius:10px;}.fusion-button.button-1.button-3d{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);}.button-1.button-3d:active{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);}Click here for steps to your free bankruptcy consultation
.fusion-body .fusion-builder-column-4{width:25% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-4 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 10px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 10px;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-4{width:100% !important;order : 0;}.fusion-builder-column-4 > .fusion-column-wrapper {margin-right : 10px;margin-left : 10px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-4{width:100% !important;order : 0;}.fusion-builder-column-4 > .fusion-column-wrapper {margin-right : 10px;margin-left : 10px;}}
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.fusion-body .fusion-builder-column-5{width:75% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-5 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 15px !important;margin-right : 10px;padding-bottom : 0px !important;padding-left : 15px !important;margin-left : 10px;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-5{width:100% !important;order : 0;}.fusion-builder-column-5 > .fusion-column-wrapper {margin-right : 10px;margin-left : 10px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-5{width:100% !important;order : 0;}.fusion-builder-column-5 > .fusion-column-wrapper {margin-right : 10px;margin-left : 10px;}}.fusion-body .fusion-flex-container.fusion-builder-row-4{ padding-top : 0px;margin-top : 5;padding-right : 0px;padding-bottom : 0px;margin-bottom : 20px;padding-left : 0px;}
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