Axel B. Gomez Law Offices

Description

No, a utility may not deny you service because you exercised your constitutional privilege to file a bankruptcy petition seeking relief from your creditors. In fact, I have filed many cases for individuals or couples for the only reason that they have huge utility bills and have been shut-off. The filing of a Chapter 7 will wipe-out all the past debt owed to the utility and the company has to start you fresh as if you just moved to Modesto from Timbuktu. The utility companies by law cannot deny you service simply because you filed bankruptcy. The law recognizes them as a public monopoly because you can't simply go to Walmart and buy electricity or natural gas for your home. The way it works is this: You file your bankruptcy petition, being sure to list whichever utility company you owe on your list of creditors (schedule F and Matrix). Approximately 10 days to 2 weeks later, the Bankruptcy Court mails out notices to all of the creditors you listed in your case. All of the utility companies regularly get bankruptcy notice and most even have a bankruptcy department.

Our firm has distinguished credentials and is experienced in handling both simple and complex immigration cases. Our firm specializes in immigration issues for the entertainment industry, and we have represented foreign celebrities from all over the world. We also have extensive experience in business and family immigration matters as well as removal and deportation cases.

Our business law firm also has substantial experience representing both plaintiffs and defendants in contract dispute litigation.

If you need a business setup lawyer who is available for big and small issues, who cares about the success of your enterprise, and who has in-depth experience in business matters from contracts to risk management and litigation, contact our business formation law firm.

If you are financing or leasing a motor vehicle, your financing contract will more than likely require you to maintain full-coverage insurance. This protects the finance company (lien-holder) in case the vehicle is in an accident or stolen. If you fail to keep full coverage insurance on your vehicle and it lapses, the Creditor may petition the Court to get relief from the Bankruptcy stay to allow them to pick-up your vehicle-they will argue that you may get in an accident or it may be stolen and you could just walk away from it-with them taking the loss. Most insurance companies are happy to keep you if you simply pay on time and have few claims. We can generally say that if you pay your premiums on time and keep the same company, probably nothing will happen. However, this may be a good time to compare rates with other companies, especially if you fear you may be dropped or raised because you listed your insurance company as a debt (or if you are bankrupting an accident claim).

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