04.06.09
Posted in BANKRUPTCY at 12:31 am by Administrator
By: Benjamin Anosike, Ph.D.
THE PRINCIPAL PREMISE FOR ENACTING THE 2005 REFORM LAW
Time, once again, to reform the new 2005 reformed bankruptcy laws, the new reformed Chapter 7 and Chapter 13 bankruptcy? On October 17 2005, amidst the highly charged atmospherics of high drama, robust promises and expectation, the new bankruptcy law, the Bankruptcy Abuse and Consumer Protection Act or BAPCPA, which had been enacted by Congress largely at the prodding of the Credit and financial industries, among other special interests, was promptly put into effect. Generally called the “reform” bankruptcy law, the law had been touted as something of a bankruptcy cure-all that was going to fix a “broken” bankruptcy system in America, most especially, reverse or drastically reduce the high volume of bankruptcy filings and the increased use of bankruptcy by American consumers in resolving their debt problem.
The overarching, dominant premise expressed by the banking and financial industry advocates and supporters of the reform law, and by its sponsors in the Congress, was that the growth in bankruptcy was due to “fraudulent bankruptcy filings” by consumers and the “excessive generosity” of the old bankruptcy system which, it was said, encouraged “abuse” and allowed a great many number of debtors to repudiate debts that they could quite well pay, at least in part.
A Congressional Research Service (CRS) report on the matter summarizing the “Legislative Goals of [the] Consumer Reform,” summed it up this way:
“The high volume of consumer bankruptcy filings during the 1990’s fuels the argument that the current law is too lenient, i.e., ‘debtor-friendly’ bankruptcy. Proponents of consumer bankruptcy reform cite many reasons in its support. The legislation is intended, among other things, to make filing more difficult and thereby thwart “bankruptcies of convenience”; to revive the social “stigma” of a bankruptcy filing; to prevent bankruptcy from being utilized as a financial planning tool; to determine who can pay their indebtedness and to ensure that they do; to lower consumer credit interest rates; and, to maximize the distribution to both secured and unsecured creditors. To effect these goals, the proposals implement a “means test” to determine consumer debtors’ eligibility to file under chapter 7.”
That was in October 2005 that the new law came into effect. Fast forward to today in March 2009, however, only less than 4 years after the passage of the new rules of the 2005 BAPCPA law that toughened the system for bankruptcy filing and made it far more costly (it more than doubled the legal fees charged by attorneys for bankruptcy filing) for debtors to file for bankruptcy. And we find that American debtors, once again, are fast returning to the same rate of bankruptcy filing as the pre-2005 levels. And the informed expert projections are that we’ll land right back pretty soon at the same old “square one” in bankruptcy filing – back to the old “bad” high pre-2005 bankruptcy filing levels which the 2005 “reform” law just enactment by Congress was meant to cure and reverse. For the month of February 2009, for example, there were over 103,000 bankruptcy filings nationally. Spread over the 19 business days of February 2009, the filing rate is 5,433 filings per day – which represents a 22.0% jump over the January 2009 filing rate, and a year-over-year increase of 29.9% as compared to February 2008. In deed, by some expert predictions, the nation will register a rate of 1.4 million bankruptcy filings for the current 2009 calendar year.
Clearly, the “reformed” BAPCPA law has woefully failed in its avowed fundamental mission and purpose – discouraging American debtors from using the bankruptcy system in settling their debt problems by making the process tougher and more expensive and hassle-filled, and reversing the escalating or high volume trend in bankruptcy filings.
WHY THE 2005 BANKRUPTCY LAW FAILED
The fundamental reason why the 2005 law has come crashing down so soon, can be traced directly to one basic reason: the whole BAPCPA scheme had been based on a premise that is badly flawed, in deed false, and totally unsupported by facts or evidence or research, but based largely on mere raw emotions and ideological thinking. Essentially, Congress, while conspicuously discounting the independent research-based evidence of scholars such as Harvard’s Elizabeth Warren and others (see, for example, Sullivan, Teresa A., Elizabeth Warren, and Jay Lawrence Westbrook. As We Forgive Our Debtors. New York, Oxford University Press, 1989), ultimately bought the more emotional argument of the banking and financial industries that rampant “fraud and abuse” was to blame for the high volume of consumer filing, and that to stem that tide the law needed to be made more stringent so as to curb “bankruptcy of convenience” by debtors.
That fundamental premise happens to have been totally false and grossly in error, however. At the heart of it, the notion that most American debtors file bankruptcy because though they really have the means to pay up their debts, they just do not wish to pay and merely want to cheat to get out of their debt obligation, is directly contradicted by so many studies and empirical evidence on the subject. But, even more closely today, it is directly contradicted by current events. Americans have, again, turned around and resumed flocking to the Bankruptcy courts in record numbers precisely today at a time of clearly serious national economic downturn, joblessness, financial distress and depression, for a great deal of them. Why? Because they wish to or love to cheat? Clearly, NOT that! Clearly, the 2005 reform law failed woefully to take into account the central role that the overall health and soundness of the “fundamentals,” or, even more accurately, the lack of it, involved in the nation’s as well as an individual debtor’s economic and financial condition – his employment, overall financial obligations, etc – could often play in whether or not the debtor ultimately pays back his or her debt.
“After October, 2007 [marking the two years anniversary after the new 2005 law], there was very little ‘inventory)” of consumers ready to file for bankruptcy relief,” explains Etaoin Shrdlu, one analyst on the subject, writing in Credit Slips, an online bankruptcy forum. “The Code [the bankruptcy law] changed, but the economic factors leading to bankruptcy have not. If anything, they’re getting worse. [That's why] I think that within the next couple of years we’ll be back at the same filing levels we had in 2003 and 2004.”
Elizabeth Warren, the Harvard Law School professor and author of several books on bankruptcy, probably sums up the point best, this way:
“The credit industry did its best to drive up the cost of filing [for bankruptcy] but when families are in enough trouble they will fight their way through the paper ticket and higher attorneys’ fees to get help,” adding that “The word is now leaking out [once again] that the bankruptcy courts are open for business.”
In sum, today, as we now see, the 2005 bankruptcy law is clearly badly flawed, if broken, right from the beginning. Congress, it’s now obvious, needs urgently to completely redo this law to truly reform the egregious flaws of the 2005 “reformed” law – this time correctly, we hope.
Among many other important considerations that the new, truly “reformed” new law must include, perhaps the most critical of them all is this: AFFORDABILITY OF BANKRUPTCY; finding low-cost bankruptcy. Whereas the 2005 law sought to arbitrarily restrict or exclude qualified bankruptcy candidates from filing for bankruptcy largely based on false premises by making it more difficult and expensive for them to file, such new law should provide effective mechanism that enables virtually EVERY honest American debtor, once clearly economically unable to meet the debt obligations but overburdened with debt and otherwise qualified, to have low-cost bankruptcy filings. Even finding non-lawyer pro se alternative to lawyer. American debtors should never be forced to have to forfeit their sacred constitutional right to bankruptcy as Americans, to seek the relief of bankruptcy from their debt burden and get the rehabilitative fresh start that bankruptcy offers for a life
after debt – AFFORDABLY.
Benjamin Anosike, Ph.D., has been dubbed by experts and reviewers of his many books, manuals and body of work, which deal largely on self-help law issues, as “the man who almost literally wrote the book on the use of self-help law methods” by America’s consumers in doing their own routine legal chores – in uncontested divorce, will-making, simple probate, settlement of a dead person’s estate, simple no-asset bankruptcy, incorporation, etc. A pioneer and intellectual and moral leader of the 1970s-based “you do your own law” movement and a lifelong vehement advocate and veteran of historical battles for the right of the American consumers to perform their own tasks in the area of routine legal matters, Anosike was one of the pioneers who fought and survived (along with many others of courage) the lawyers’ and organized bar’s stiff war of the 1970s and ’80s against American consumers and entrepreneurs who merely sought, then, to use, write, distribute or sell law-related self-help books and kits for non-lawyers to do their own law, upon the lawyers’ claim then that such matters were purportedly “unauthorized practice of law” or “practicing law without a license.” Anosike holds graduate degrees in labor economics and management and a Ph.D. in jurisprudence. Characterized by a review of the American Library Association’s Booklist Journal as “probably the most prolific author in the field of legal self-help today,” Dr Anosike is the author of over 26 books and manuals (and countless number of articles) on various topics of American law, including 4 volumes on personal and business bankruptcy filing, in a lifetime of dedication. For more on the subject matter discussed in this article, or on how to get a low-cost, affordable bankruptcy filing, or the author’s other books and manuals, visit this site: http://www.Afford-Bankruptcy.Com
Article Originally Published in: http://EzineArticles.com/?expert=Benjamin_Anosike,_Ph.D.
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04.05.09
Posted in Uncategorized at 5:43 pm by Administrator
Afford the Debtor the Constitutional Right to Bankruptcy Filing & Provide Him/Her the Tools and Habits to Sound Financial Life After Bankruptcy
Benjamin Anosike, Ph.D.
ABOUT THIS BLOG, WHAT IT’S ALL ABOUT
Are you an American debtor or consumer who’s perhaps unclear or confused about certain general issues on personal (or business) debt and the bankruptcy system, and is seeking simple, practical, non-technical “layman” education and information about that? Are you, for example, seeking a simple, non-legalistic, “straight answer” to the basic question: Is bankruptcy right for you? Are you seeking practical information on rehabilitating yourself to financial health after bankruptcy? Want, for example, to know about or research practical consumer bankruptcy issues, or debt and financial issues, and the terminologies, procedures, etc., that you might come across?
De-mystifying “the law” in personal bankruptcy, finance, and debt issues
Author Benjamin Anosike attempts by this blog to provide a more ordinary, non-technical, consumer-oriented break down of such matters in plain English to answer your ordinary bankruptcy and financial queries and concerns. We shall attempt, in a general way, to de-mystify for the benefit of the ordinary, average-Joe consumer, “the law” – in personal debt issues, the bankruptcy process, personal finance issues.
Dr. Anosike is the author of some 26 self-help law books, including 4 comprehensive volumes on bankruptcy covering the principal areas of Chapter 7, Chapter 11 and Chapter 13. Widely considered an expert in self-help law and consumer finance and savings techniques, Anosike also deploys his decades of rich practical experience and expertise in affordable legal systems in aid to people and websites concerned with doing low-cost affordable bankruptcies without lawyers, or with doing so with the help of a non-lawyer bankruptcy petition preparer, or through using his books (or others of equal competence) that are designed to help debtors file for bankruptcy. His latest undertaking is aiding in the setting up of the Afford-bankruptcy.com website, an online companion to his self-help bankruptcy books dedicated to helping debtors file for bankruptcy.
DISCLAIMER. The opinions expressed in this blog do not necessarily reflect the views of Afford-Bankruptcy.com, its clients, or its partners. This blog may provide legal INFORMATION, but NOT legal advice. Please consult a lawyer if what you want or are seeking is professional legal advice, opinion, or assurance regarding how the law applies to your particular situation.
PLEASE READ THIS DISCLAIMER ABOUT HOW TO USE THIS BLOG.
Welcome, and please…
First, welcome to the afford-bankruptcy.com blog. I appreciate your time, interest and participation in the discussions in the blog, and on the topic at issue. It’s really my sincerest and fun hope that you find this blog educational, informative, and useful. I strongly encourage you to share, and actively interact, with me and the blog participants, through adding your comments and opinions, asking questions and posting ideas on a frequent basis. Just endeavor to stay within the topic under discussion.
AIMS AND OBJECTIVES
The basic goal in this blog is to share information and knowledge with, and among, American debtors and consumers generally. The topic area will center around issues of debt, the bankruptcy system and the practical ways and means by which qualified consumers can exercise their constitutional right to bankruptcy but in the most accessible and most AFFORDABLE ways, and then, the practical financial tools and habits by which the debtor, after bankruptcy, can get back to sound financial footing post-bankruptcy.
In short, in this blog, WE SHALL PRIMARILY DEAL WITH :
1. the practical ways and methods by which qualified debtors can file for and obtain bankruptcy at AFFORDABLE costs;
2. providing personal bankruptcy tips, tricks, insights and information, to people on effective, low-cost and affordable ways and methods of doing their own bankruptcies either with the help of a non-lawyer bankruptcy petition preparer or by using this writer’s (or other competent authors’) books and manuals; and
3. the practical tools, habits and culture, by which debtors, after their bankruptcy, can rehabilitate themselves at accelerated time line, and quickly get back to a sound financial footing post bankruptcy.
Good, topical articles and case studies
As part of the objective of this blog, we shall, among other things, frequently post special, well-written articles of interest, as well as published legal case studies, that are topically relevant to bankruptcy, debts, personal finance, and other related issues – stories about good and bad things that happened or happen to other bankrupts or bankruptcy debtors, about proper or improper financial habits and culture, and the like. The aim is to have you learn from these accounts.
Also, this blog will examine and review books, systems, studies and reports of relevance and help dealing with the subject areas of our interest, and announce the results in this blog from time to time. (If you are a reader or participant who writes the kinds of articles or materials mentioned, or you come across them, please notify us. We’d be happy either to post that material and link back to your site or the appropriate source of the material, or otherwise to promote that).
ONE OTHER THING
As already alluded to earlier, please be forewarned that this blog will NOT give what is generally characterized as “legal advice.” We shall give legal INFORMATION, but NOT legal ADVICE. What exactly do we mean by this? Just so that you’ll have a general idea (the concept is often an amorphous one in law!), this blog will be willing, for example, in situations where deemed necessary or pertinent, to explain our take on a procedure, even if a “legal” one, that is involved generally in bankruptcy cases, or to offer ideas or comments about why something might have happened in, say, a bankruptcy case or situation. That will be deemed “legal information” – information of legal nature.
However, if you were to construct a specific set of facts and circumstances, and ask me a question such as: “what should I do?” in such a specific situation, then that has crossed the line – it is now in the “legal advice” territory. And that will be the territory that is, and will be, forbidden territory for this blog and which will not be crossed into by us. Other than that, we’ll be open to any other questions!
In any event, as a general proposition and approach, you should, any way, generally view any and all pieces of information presented on this or any other blog or forum merely and solely as general educational information about the subject addressed – NOT specific advice that is applicable to any particular situation. Therefore, you should not just jump off and take any specific action based solely on what you read on this blog (or on any other similar source whatsoever). But what you may do, is take what you read here, go research some more on it, put it all together with the information you gather from elsewhere, try make sense of the whole, then make a decision – an “informed decision.”
PLEASE PARTICIPATE. YOU’RE CORDIALLY INVITED
We hereby sincerely welcome and encourage you: PLEASE MAKE THIS BLOG A VITAL PART OF YOUR EDUCATIONAL AND INFORMATIONAL PROCESS ON CONSUMER DEBT, BANKRUPTCY AND FINANCES. Make it a vital resource for you in those subject matters. There are a few other competent useful blogs in the field of these two subject matters, and we have either listed them or will be listing them on the blogroll for this site. These can serve as good additional resource material for you.
Please come participate. Ask your questions, make comments. You’re cordially invited.
Chat Catcher
http://hubpages.com/_9rn44zgzqcdp/
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04.03.09
Posted in BANKRUPTCY at 9:09 pm by Administrator
There seems palpably in the air, one ominous additional burden for the average heavily indebted American debtor and consumer in today’s dire national economic conditions who may perhaps see his only recourse for some relief, in filing bankruptcy: finding low-cost bankruptcy, finding low-cost bankruptcy that you can afford. Meaning, in essence, a non-lawyer bankruptcy alternative or doing bankruptcy pro se.
The latest figures just released by the Administrative Office of the U.S. Bankruptcy Courts on the February 2009 bankruptcy filings, made one vital reality crystal clear to almost every one, namely, that the rate at which the increasingly overburdened and restive American debtors (both individuals and businesses) are filing for bankruptcy, is at its highest levels since the now-famous (or infamous, many would say!) draconian changes of 2005 to the U.S. bankruptcy law. But, even more significantly, that the new filing rate is ominously beginning to return to the old “hated” high bankruptcy filing levels that the nation had reached before that new law was passed in 2005, supposedly meant to correct and drastically curtail or reverse the then pre-existing high filing levels.
This latest trend in American debtor bankruptcy filings strongly underscores a few fundamental points, among others. First, the depth and gravity of the financial straights and difficulties in which the average American consumer and debtor is in today. Second, the reality that, no matter how difficult a legal hurdle and impediment the institutional powers that be (the Congress, the lawyers, or the financial institutions, the courts, etc) may try to place on the path of the American debtors to try discouraging or making it more difficult for them in seeking the bankruptcy relief from their debt burdens, when it really comes time of dire financial and economic crunch, American debtors will somehow still find a way, and will still persevere and persist even against all odds, in demanding their constitutional rights to bankruptcy; and thirdly, the critical necessity, for the average debtor, for finding low-cost bankruptcy filing alternatives to lawyer.
Elizabeth Warren, a Harvard Law School professor and author of several books on bankruptcy, probably sums up the point best this way, alluding to the persuasion of the Congress by various special interests to pass the 2005 law that restricted debtors from filing for bankruptcy: “The credit industry [and other vested interests] did its best to drive up the cost of filing [for bankruptcy]. But when families are in enough trouble, they will fight their way through the paper ticket and higher attorneys’ fees to get help,” adding that “The word is now leaking out [once again] that the bankruptcy courts are open for business.”
THE “UNOFFICIALLY BANKRUPT DEBTORS” – DEBTORS WHO CAN’T FILE BECAUSE THEY CAN’T AFFORD IT
But, even most importantly than that, from the standpoint of the average bankruptcy-seeker today, this raises one fundamental questions, however. Namely, just how do the current growing army of increasingly despairing American debtors who not only seek to file for personal or business bankruptcy, but in a great deal of cases, truly NEED to file one, AFFORD to file bankruptcy – in particular, the high lawyers’ legal cost of filing for bankruptcy? How do these debtors get or find low-cost bankruptcy? A bankruptcy that debtors can reasonably afford?
Some 1.1 million (1,064,000) American debtors filed for bankruptcy this past 2008 year – filings which, many analysts are quick to remind us, were carried out by these debtors in spite of, and under tough conditions of, a whole host of stringent, restrictive requirements and drastically increased legal fees imposed by the 2005 law. But, even more significant, from the stand point of the debtor or bankruptcy-seeker, is another closely related FACT: that, worse still, according to experts, THERE’S NEARLY AS MANY AMERICAN DEBTORS MORE who wanted to file for bankruptcy and are eligible, but could not, because they simply couldn’t AFFORD the lawyers’ legal fees. These are debtors who Justin Harelik, a bankruptcy lawyer with Price Law in Los Angeles, call the “unofficially bankrupt debtors” – debtors who are all but bankrupt but only lack the lawyers’ hefty price to make their status official!
YEARLY NUMBER OF BANKRUPTCY FILINGS SINCE 1998
Source: creditslips.org
Year Bankruptcies Filed SOURCE
1998…….1,442543……….AO data……(Office of U.S. Courts)
1999…….1,319,465………AO data
2000…….1,253.444………A.O data
2001…….1,492-129………AO data
2002…….1,577 ,561……..AO data
2003…….1,589,383………AO data
2004…….1,597,462………AO data
2005…….2,078,415………AO data…includes spike in filings before 2005 bkr. law
2006…….590,544………..AACER data…(Automated Access to Court Records)
2007…….826,665………..AA.CER data
2008…….1,064,000………AACER data
EVEN THE LAWYERS AGREE, THEIR BIG FEES IS A PROBLEM WITH DEBTORS
In deed, though many bankruptcy lawyers would rather that it be shaded, many other lawyers, themselves, objectively acknowledge that the lawyers’ legal fees for bankruptcy is a principal frequent issue and concern to debtors and clients in bankruptcy law practice.
“You have to pay the Chapter 7 legal fees upfront in cash. You can be too poor to go bankrupt,” is how Professor Robert M. Lawless of the University of Illinois College of Law once put it.
Another observer, Jenny C. McCune, a contributing editor at Bankrate.com, notes that rather astoundingly, we’ve now come to the point where a debtor may have to “finance bankruptcy filing,” adds: “It may sound like a Catch-22…you have no money so you’re filing for bankruptcy, but you need [legal fee] money so you can file for bankruptcy.”
Janathan Ginsburg, bankruptcy attorney, Atlanta, Ga., explains that in phone conversations he often has with callers facing severe financial crises who are pondering possible bankruptcy, after their initial question which is often general in nature, “The next question I get has to do with fees: ‘If I have no money, how am I supposed to pay for a lawyer?’”
Bankruptcy lawyers, schooled in the art of argumentation and the defense of even the clearly indefensible, particularly when it centers on the protection of a lucrative means of making a living, would often plunge into what, in essence, are really deep philosophical arguments in justification of the high fees they charge – it is really still a “bargain” for debtors, considering the much larger sums they stand to discharge in bankruptcy; if a debtor is “really” hard pressed enough by his debt burden and is “serious” about freeing himself of it, he’ll somehow find a way; a debtor, if he is really “serious,” can always find the lawyer’s fees somewhere by, say, withholding the payments he would have had to make to other creditors and then using it to pay the lawyer to free him of the bigger debt burden, etc., etc. It is a complex web of arguments that would have to wait for another day to address. But, for our current immediate purposes in this article, the relevant issue is crystal clear. The point, clearly, is that for the average American debtor today, already reeling from the high debt burden which is the prime object he’s out attempting to address through bankruptcy filing, the average lawyer’s fee for bankruptcy (some $2,000 or more for the simplest Chapter 7 bankruptcy, and $4,500+ for its Chapter 13 counterpart) is high, in deed even exorbitant, and frequently is just plain beyond his means – in short, simply UNAFFORDABLE.
LAWYERS’ FEES HAVE “PRICED OUT” A LOT OF DEBTORS
Seems that the bankruptcy lawyers, through greed and monopolistic instinct, are gradually pricing themselves out of the personal bankruptcy filing business, that the only realistic alternative now left to the tried, seems to be a non-lawyer low-cost bankruptcy.
“Surveys have shown that many attorneys have doubled their fees to cope with new requirements imposed by the BAPCPA of 2005. Many thousands of debtors have therefore been priced out of lawyer representation in their bankruptcies,” asserts Stephen Elias, a California attorney and bankruptcy specialist and author of several books on the subject. “Because of rules governing the practice of law, the only legal alternative to attorney representation is self representation… bankruptcy petition preparers can assist with your paperwork.”
The point then is crystal clear. The fundamental task at hand this very minute in the field of bankruptcy, is devising a credible system that is low-cost for filing bankruptcy, which is simple, straightforward, and readily accessible, and is, above all, AFFORDABLE to most debtors who legitimately seek or need bankruptcy and are qualified and eligible to file under the eligibility rules. It is, after all, no “gift” or some kind of “favor” being meted out by “the law,” or some kind of mercy-peddling do-gooders of the legal establishment. But, a direct sacred right and gift of the American Constitution.
It is a task which confronts us all, particularly the bankruptcy constituency and the bankruptcy industry powers-that-be who control the current bankruptcy system – the financial and credit industry, the courts, the Congress, but including private entrepreneurs and ideas persons who can come up with new or fresh ideas about how to fix the current broken personal bankruptcy system, and yes, the current bankruptcy lawyers and bar, and others.
But, of more immediacy and urgency in the mean time, however, while we await such a new system to be designed by the responsible parties, qualified American entrepreneurs, institutions and entities who are able, should be free to come up with practical and effective ways and methods – alternatives to the current wholly deficient and inadequate lawyer-controlled bankruptcy system – that actually enable legitimate bankruptcy seekers to exercise their legitimate constitutional right to seek the bankruptcy relief option when and if necessary – simply, accessibly, and AFFORDABLY. In sum, America, both the public as well as private sector, must fast prepare for, devise, and implement, a drastically different but effective bankruptcy filing system that provides the current million plus per year and the upcoming additional millions of bankruptcy filers who will be coming into the bankruptcy filing pipeline per year, a genuinely affordable means for them to file for bankruptcy – the 1.4 million American filers (or more) that are expected to seek the bankruptcy relief in 2009 calendar year alone, and beyond.
Benjamin Anosike, Ph.D., has been dubbed by experts and reviewers of his many books, manuals and body of work, which dwell largely on self-help law issues, as “the man who almost literally wrote the book on the use of self-help law methods” by America’s consumers in doing their own routine legal chores – in uncontested divorce, will-making, simple probate, settlement of a dead person’s estate, simple no-asset bankruptcy, etc. A pioneer and intellectual and moral leader of the 1970s-based “you do your own law” movement and a lifelong vehement advocate and veteran of historical battles for the right of the American consumers to perform their own tasks in the area of routine legal matters, Anosike was one of the pioneers who fought and survived (along with many others of courage) the lawyers’ and organized bar’s stiff war of the 1970s and ’80s against American consumers and entrepreneurs who merely sought, then, to use, write, distribute or sell law-related self-help books and kits for non-lawyers to do their own law, upon the lawyers’ claim then of such being purportedly “unauthorized practice of law” or “practicing law without a license” Anosike holds graduate degrees in labor economics and management and a Ph.D. in jurisprudence. Once characterized by a review of the American Library Association’s Booklist Journal as “probably the most prolific author in the field of legal self-help today,” Dr Anosike is the author of over 26 books and manuals (and countless number of articles) on various topics of American law, including 4 volumes on personal and business bankruptcy filing, in a lifetime of dedication. For more on the subject matter discussed in this article, or on how to get a low-cost, affordable bankruptcy filing, or the author’s other books and manuals, visit this site: www.afford-bankruptcy.com/OurServices.html
As originally published in EzineArticles.com: http://Ezinearticles.com/?expert=Benjamin_Anosike,_Ph.D.
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