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The court's application of the Bankruptcy Code can fundamentally alter or extinguish certain kinds of licensed IP rights as well as affect a party's ability to enforce its IP rights against the debtor.The Bankruptcy Code: General Principles Most business bankruptcy proceedings are commenced voluntarily by the debtor filing a petition under Chapter 7 or Chapter 11 of the Bankruptcy Code. ____ (2009), On Petition for Writ of Certiorari to the United States Court of Appeals For the Ninth Circuit, No.
While not necessarily at odds with the concerns of IP law—protecting innovation or original expression and preventing consumer confusion—the Bankruptcy Code's goals are sometimes in tension with those of IP law.
You can find free or low-cost credit counseling options at: Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings.
To find out if you qualify, contact your local Armed Forces Legal Assistance office.
But you should first consult a qualified credit counselor.
You may be able to lower your cost of credit by consolidating your debt through a home equity loan or home equity line of credit.
There are two main types of personal bankruptcy: A debt collector generally is a person or company that regularly collects debts owed to others, usually when those debts are past-due.
This includes collection agencies, lawyers who collect debts as part of their business, and companies that buy delinquent debts and then try to collect them.This creates a bankruptcy estate that generally consists of all of the debtor's assets at the time the petition was filed. In Chapter 7 cases, the petition is filed to provide corporations with a mechanism "for an orderly liquidation of assets and distribution to creditors." The bankruptcy court appoints a trustee to effectuate the liquidation, and the trustee has sole control over the debtor's assets for the purpose of the liquidation. In contrast, Chapter 11 aims to facilitate the debtor's survival and ultimate emergence from bankruptcy. Consolidation means that your various debts, such as credit card bills or loan payments, are rolled into one monthly payment.If you have multiple credit card accounts or loans, debt consolidation through a credit counseling service can help simplify or lower your payments.Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.