#new england interior design

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Chapter News

WHAT: Our inaugural yearbook is collection of photos and remembrances from the committees who have worked so hard to put together meaningful events and experiences for the members of IIDA NE during the past year. WHY: It’s a creative and fun way to show what our IIDA chapter has accomplished during the year and to highlight the various [ ]

Looking for information on other industry related events, job postings and more? Visit the Professional Development page on the website. It is updated regularly with news and information.

Chapter News

WHAT: Our inaugural yearbook is collection of photos and remembrances from the committees who have worked so hard to put together meaningful events and experiences for the members of IIDA NE during the past year. WHY: It’s a creative and fun way to show what our IIDA chapter has accomplished during the year and to highlight the various [ ]

Looking for information on other industry related events, job postings and more? Visit the Professional Development page on the website. It is updated regularly with news and information.



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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Copyright 2001-2016, M. Caroline Cantrell
All Rights Reserved

Regain Control

Bankruptcy can be a frightening and anxiety-provoking state to find yourself in. Misconceptions and fears can compound an already burdensome situation. Times such as these call for a practiced and calm professional to help you take charge of the situation, and assist you in navigating the legal necessities you face. Caroline Cantrell is a licensed professional attorney with 26 years experience representing people like you who find themselves facing the complexities of bankruptcy.

***** We are excited to announce the consolidation of the Clackamas and Canby offices.
We will be working exclusively from the Canby office effective November 21, 2016 *****

Free Initial Consultation *

Use this form to contact us to arrange for a free initial consultation *. Please provide details as to how we can assist you.

* First 30 minutes free. Time in excess of 30 minutes billed at standard rates.

End the Worry

In today’s economy, even hard-working and diligent people are facing adversity and the inability to pay their bills on time, or at all. The worry over this can affect your sleep, physical and emotional well-being, family and work issues, as well as your credit-worthiness. The onslaught of bill collection phone calls and mailings can put even the strongest person over the edge. This is the time to speak with an experienced professional whose ethics and practices will stop the harassment and bring order and calm to what can feel like a stormy situation. This is the time to pick up the phone and contact Caroline Cantrell for a free, no-obligation consultation to find out where you stand in the complex world of bankruptcy laws.

Advocating for You

Each and every client is treated with dignity, respect and care. We understand that this is a difficult time in life that requires compassion and an intimate working knowledge of the law, to see you through to achieve the best possible outcome. Caroline Cantrell provides professional service at affordable cost to individuals, small businesses and farmers working in various agricultural disciplines with regard to Chapters 7, 12 and 13 of the bankruptcy statutes.

Getting Started

Feel free to use the contact form to begin your inquiry, or call us directly at the number listed below to begin the process of stopping the harassing phone calls and mail from collection agencies, while forging a path to financial health and well being.

Communities We Serve

Bankruptcies can happen to anyone, anywhere in our state, and at any time in life. We are a small firm that provides personal attention to each and every client. We service primarily the Portland metro area, encompassing Multnomah, Clackamas, Washington and Marion counties. We also serve the communities of Canby, Clackamas, Oregon City, Silverton, Woodburn, Keizer, Salem, Damascus, Molalla, Estacada, Milwaukie, among others. Please contact our office to discuss any questions you may have about representation. We are here to help you navigate and negotiate your way through the process of filing bankruptcy.

Click here to view the full list of Oregon communities we serve.

M. Caroline Cantrell, Attorney at Law

549 NW 2nd Avenue Canby, OR 97013 503.266.0383 503.266.0382

BBB Accredited Business



#interior design association

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Interior Design Society (IDS) was founded by the National Home Furnishings Association (NHFA) in 1973 to support professional interior designers based in furniture showroom as well as independent interior designers. Since then, IDS has expanded its focus to students and commercial partners in design.

All qualified residential interior design professionals, including those who work in the retail environment, are welcomed and encouraged to join IDS as an adjunct to their classroom education.

Founded in 1973, The Interior Design Society is a trade association devoted solely to providing excellence in the practice of residential interior design. Membership in the Interior Design Society is based on the highest standards of education and experience. We are comprised of residential interior designers; interior decorators; design-oriented home furnishing stores and their staff; design studios; select manufacturers and distributors of design oriented products or services.

Our organization is based on the belief that our customers needs are of the utmost importance. Our entire team of designers are committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.

We would welcome the opportunity to earn your trust and deliver you the best service in the industry.

We are committed to growing our chapter

We are committed to our members

We are committed to giving of ourselves to our community

We are committed to seeking to better our skills and crafts

We are IDS Houston!



#interior design austin

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Welcome to ASID Texas Chapter

The American Society of Interior Designers [ASID] is a community of people – designers, industry representatives, educators and students – committed to interior design.

Why does ASID exist?ASID advances the profession and communicates the impact of interior design to enhance the human experience.

Through education, knowledge sharing and advocacy, the Society strives to advance the interior design profession and, in the process, to demonstrate and celebrate the power of design to positively impact and change people’s lives. Of the Society s 24,000 Practitioners, 20% practice Residential design, 30% practice Commercial design, and 50% practice both.

Each year, the Legacy of Design Awards recognize the finest interior design achievements within the Texas Chapter of ASID. GO HERE to find a list of the 2015 winners.

Connect with ASID and your fellow members:

Empower Design. Empower the Future. Donate to the ASID Foundation.

The ASID Foundation advances the profession and communicates the ability of interior design to enhance the human experience through research, scholarships, and education.

This year, please consider donating (at minimum) $1 dollar for every year you’ve been a member.



#interior design association

#

Interior Design Society (IDS) was founded by the National Home Furnishings Association (NHFA) in 1973 to support professional interior designers based in furniture showroom as well as independent interior designers. Since then, IDS has expanded its focus to students and commercial partners in design.

All qualified residential interior design professionals, including those who work in the retail environment, are welcomed and encouraged to join IDS as an adjunct to their classroom education.

Founded in 1973, The Interior Design Society is a trade association devoted solely to providing excellence in the practice of residential interior design. Membership in the Interior Design Society is based on the highest standards of education and experience. We are comprised of residential interior designers; interior decorators; design-oriented home furnishing stores and their staff; design studios; select manufacturers and distributors of design oriented products or services.

Our organization is based on the belief that our customers needs are of the utmost importance. Our entire team of designers are committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.

We would welcome the opportunity to earn your trust and deliver you the best service in the industry.

We are committed to growing our chapter

We are committed to our members

We are committed to giving of ourselves to our community

We are committed to seeking to better our skills and crafts

We are IDS Houston!



#interior design austin

#

Welcome to ASID Texas Chapter

The American Society of Interior Designers [ASID] is a community of people – designers, industry representatives, educators and students – committed to interior design.

Why does ASID exist?ASID advances the profession and communicates the impact of interior design to enhance the human experience.

Through education, knowledge sharing and advocacy, the Society strives to advance the interior design profession and, in the process, to demonstrate and celebrate the power of design to positively impact and change people’s lives. Of the Society s 24,000 Practitioners, 20% practice Residential design, 30% practice Commercial design, and 50% practice both.

Each year, the Legacy of Design Awards recognize the finest interior design achievements within the Texas Chapter of ASID. GO HERE to find a list of the 2015 winners.

Connect with ASID and your fellow members:

Empower Design. Empower the Future. Donate to the ASID Foundation.

The ASID Foundation advances the profession and communicates the ability of interior design to enhance the human experience through research, scholarships, and education.

This year, please consider donating (at minimum) $1 dollar for every year you’ve been a member.



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The Help You Need.
to let go of your debt.

Bankruptcy Law Attorney SERVING ALL OF ARKANSAS

Chapter 7 and Chapter 13 Bankruptcy Lawyer

In today’s economy, times are tough. A lost job or second mortgage may have stripped you of the financial security you thought you once had. Maybe you or a family member experienced a sudden illness, and now the medical bills are becoming unmanageable. Whatever your financial problem, it is important to understand that you are not alone.

At the Havner Law Firm, we are committed to you and your financial success. With more than 25 years of experience, our skilled attorney specializes in bankruptcy and debt relief. Our No. 1 goal is to help you find solutions to the problems you are facing, so that you can stop the worrying and start living your life.

We understand the emotional and financial hurdles you are currently facing. Let us help you find the peace of mind you need to move forward. Contact us to set up an appointment at our White Hall office with our professional bankruptcy attorney.

Success Through Compassionate, Dedicated Representation

We want you to know that you mean more to us than just a number. To us, the people who seek our help are more than just clients. They become our family. After working with us, our clients often tell us that not only has their situation been taken care of, but they have also made new friends. Statements like that affirm for us why it is we do what we do.

When you choose the Havner Law Firm, above else, you are choosing personal service. At other law firms, you might find yourself being shuffled around to paralegals and other support staff. You won’t find that with us. Throughout your case, your main point of contact will be our senior attorney or his trusted team member, his wife. From the moment you walk into our warm and inviting office, you will be met with compassion and understanding. We are extremely passionate about what we do. We are the help you need.

To speak with our bankruptcy law attorney, serving all of Arkansas, call 870-663-4973, or contact us online to schedule your free initial consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.



A & L, Licker Law Firm, LLC: Affordable and Professional

A L, Licker Law Firm, LLC provides bankruptcy. personal injury. and family law legal services to residents of St. Louis County, St. Charles County and Jefferson County, Missouri and to nearby Illinois residents. While our cases may seem small to other attorneys, we understand that your case impacts your life in a big way. We pride ourselves on providing affordable and professional legal services that get results.We will do our part, so you can move past this difficult time in your life.
Our clients agree. Our awards include:

  • Voted #1 Law Firm in St. Charles by the Reader s Poll of the St. Charles Flash Flyer: 2008, 2009, 2010
  • Named Law Firm of the Year 2012 by the Consumer Business Review
  • A rating from the Better Business Bureau

Our attorneys are experts in their fields. They stay up-to-date on the latest changes in bankruptcy, personal injury law, and family law so our firm can provide you with the best possible service. We are members of:

  • National Association of Consumer Bankruptcy
  • American Bankruptcy Institute

1861 Sherman Drive

A L, Licker Law Firm, LLC provides bankruptcy, personal injury and family law legal services to residents of St. Louis County, St. Charles County and Jefferson County, Missouri, including the cities of St. Charles, St. Louis, Florissant, O’Fallon, St. Peters, Wentzville, Troy, Lake St. Louis, Bridgeton, Hazelwood, Ferguson and the surrounding area.

Disclaimer: The use of our web site is for informational purposes only, it does not creat an attorney-client relationship. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The choice of a laywer is an important decision and should not be based solely upon advertising.

For Current Clients



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Can I pay off my Chapter 13 early?

Often times debtors ask if it is possible to pay their chapter 13 plan off any earlier, either by making higher than scheduled monthly payments, or by one lump sum. If you are in a 100% plan, meaning that you are paying back all of your debts owed to both secured and unsecured creditors, there should not be any issue with you paying off the plan early. You can do this by increased monthly payments or a large lump sum payment.
However, most often, debtors are not in a 100% plan, meaning that not all debts are being paid back to secured and unsecured creditors. If you are in this situation you will certainly want to consult with your attorney before making any decision to try to pay off the debt early. If you are over median income, as calculated by the means test, you are required to be in a five year plan (unless, as explained above, you are paying back 100% of creditors). If you intend to borrow money from a bank or even a family member or friend to pay off the bankruptcy you actually need permission from the bankruptcy trustee to incur debt. If you start making higher than required payments on a regular basis the trustee may think that you have undisclosed income, or that for some reason you are able to pay more. If the trustee thinks you are able to pay more back to your creditors the trustee can do a motion to increase plan base and can actually request that you be required to make the higher payment. For example, if your payment is $400 and you make several payments of $600, the trustee may file a motion to increase your payment to the $600 that you have now demonstrated that you can afford to pay. The trustee’s job is to balance you interests with the interest of the creditors of getting paid back as much as possible.
If you make a lump sum payment the trustee will likely want to know where that money came from. When you are in a chapter 13 bankruptcy some assets can become a part of the bankruptcy, even if you were not entitled them at the time of filing. For example, as a general rule, any tax refund over $600 dollars needs to be turned over to the trustee, unless of course, you can do a motion to retain your tax refund.
If you have questions, or would like to schedule a consultation, contact a St. Louis Bankruptcy Attorney today!

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6 Comments to “Can I pay off my Chapter 13 early?”

Yes, but let your attorney know first, he can give you good advice what to do.

Posted by Tobias on February 5, 2014 at 11:05 PM

If i have a 5year plan and im getting a inheritance from a family do i have to let the trustee know about this even though i want to continue with my plan?

Posted by wakil on February 5, 2014 at 12:42 AM

Sorry to hear that. That is a common complaint about attorneys not calling clients back. In our office, we either call clients back within 24 hours or clients can call me directly and I take care of it. The motion to incur debt to purchase a new vehicle can be done quickly. You might have to set up an appointment with the attorney to discuss it. The closing procedure is in every district different. In our district we have to file the second certificate (Finanical Managment Certificate) and the Domestic Support Obligation statement before the case can be closed. If the trustee has a lot of money on hand, this might be an issue also to be discussed with the attorney. Good luck!

Posted by Tobias on August 17, 2013 at 04:18 PM

Thank you. My vehicle under the plan is paid off and he trustee has $6099 on hand. I just want this over with and to move on with my life. I want to pay it off and no e one by ding want to penalize myself. I have called my attorney 6 times and they won’t call me back. Ugh.

Posted by Kj on August 17, 2013 at 03:38 PM

Good question, it depends on the district your case is filed. I can tell you only how we do it here in St. Louis. Here, it would work, because 1. you are longer than 3 years into the plan and 2. overpayments would go to the secured creditors. The trustee set up payments to secured creditors “to loop” meaning when the monthly payment is paid on the car debt, and he still has money for this month, he pays again. This has not alwasy been like that and might be different in other districts. Before, after the monthly payment to the car creditor was made and if not other secured or priority debt needed to be paid, money would go to unsecured creditors. So, an overpayment was dangerous because it could have been wasted to unsecured creditors who normally would not have gotten anything and would later in the plan be missing for secured creditors. You basically would pay double. Your attorney will probably know the answer or the chapter 13 trustee’s office might tell you as well. Good luck and congratulations making it so long into the chapter 13, most of the chapter 13 cases in St. Louis (75%) don’t make it.

Posted by Tobias on August 17, 2013 at 12:11 PM

I am in month 55 of 60. I owe $2500 and my plan will be paid in full/ I want to buy a new truck but need approval from the trustee. instead of jumping through hoops for permission can i pay the $2500 and get on with my life or should i ride out the 5 months? I am only paying back 18%.

Posted by KJ on August 17, 2013 at 07:55 AM

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#interior design association

#

Interior Design Society (IDS) was founded by the National Home Furnishings Association (NHFA) in 1973 to support professional interior designers based in furniture showroom as well as independent interior designers. Since then, IDS has expanded its focus to students and commercial partners in design.

All qualified residential interior design professionals, including those who work in the retail environment, are welcomed and encouraged to join IDS as an adjunct to their classroom education.

Founded in 1973, The Interior Design Society is a trade association devoted solely to providing excellence in the practice of residential interior design. Membership in the Interior Design Society is based on the highest standards of education and experience. We are comprised of residential interior designers; interior decorators; design-oriented home furnishing stores and their staff; design studios; select manufacturers and distributors of design oriented products or services.

Our organization is based on the belief that our customers needs are of the utmost importance. Our entire team of designers are committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.

We would welcome the opportunity to earn your trust and deliver you the best service in the industry.

We are committed to growing our chapter

We are committed to our members

We are committed to giving of ourselves to our community

We are committed to seeking to better our skills and crafts

We are IDS Houston!