March 30, 2021
Law Offices of Ronald I. Chorches 2020, Forgiveness & Relief Scholarship
The Law Offices of Ronald I. Chorches has been in the business of helping people with debt forgiveness and relief, debt management, and debt settlement for over 30 years. Mr. Chorches is a second-generation bankruptcy attorney who has seen the positive effects that helping people to get out of seemingly impossible financial situations gives to them and their families.
Our dedicated team is passionate about what we do and we feel lucky to be able to do the kind of work that helps people in need to get forgiveness and relief for their financial worries. We also appreciate the many people who are committed in their work to help people to find forgiveness and relief in other ways.
For this, we have created the Law Offices of Ronald I. Chorches, 2020, Forgiveness & Relief Scholarship, for a student who is committed to helping people who need forgiveness and relief, regardless of what aspect of their life they need this in. We want to support the education of a student who is dedicated to doing this now and in their future career. We feel that the world is a better place because of these kinds of individuals.
- This scholarship is open to any student who is currently enrolled in an accredited undergraduate, graduate, or professional program in the United States. This includes accredited community college students as well as high school seniors and students who possess a GED who have been accepted to or are enrolled in an accredited program.
- The scholarship applicant must show their dedication to providing forgiveness & relief to those who need it, through their past achievements and goals, and current and future goals, as explained in their essay.
- All eligible candidates must be in good academic standing with a minimum cumulative GPA of 2.00 or above.
Essay Prompt & Questions
– Describe a situation or incident that was a pivot point for you in realizing you want to provide help to people who need forgiveness & relief.
– How has your commitment to wanting to help people in the way you plan to in the future, informed your education goals?
– What kind of work do you want to do in the future that will allow you to help to provide forgiveness and relief to those who need it?
- Updated resume
- Essay, 1,000-word maximum. See essay questions above.
- Current unofficial transcript
Submission Deadline: Sunday, February 28, 2021
All application materials must be submitted by this date to the email address in the application instructions below.
Award Announcement: Sunday, March 28, 2021
Scholarship Amount: $1,000
March 4, 2021
One of the basic and most important protections available when you file a bankruptcy of any type, anywhere, is the Automatic Stay.
Essentially, the moment you file your bankruptcy case, the Bankruptcy Automatic Stay stops any company or person whom you owe money (a “creditor”) from taking any steps to collect money from you. The provision that creates this Automatic Stay is Section 362 of the United States Bankruptcy Code. The Automatic Stay blocks credit card companies, personal loan companies, banks, car loan companies, mortgage companies, the IRS, and almost anyone else to whom you owe money.
What does this mean for you? Here are a few examples: If your home is to be sold tomorrow in a foreclosure sale, we can file a bankruptcy petition today and stop the sale. If your bank account has been frozen (restrained), we can file a bankruptcy petition, and the Automatic Stay requires your bank to release the freeze and allow you access to your money. If your salary is being garnished (also called an “income execution”), filing a bankruptcy petition will invoke the Automatic Stay and stop any garnishment so you once again receive your full paycheck. Are you being sued? Filing a bankruptcy petition will invoke the Automatic Stay which, in turn, will temporarily halt any proceedings against you.
The Automatic Stay begins at the moment the bankruptcy petition is filed (usually electronically); not the day it is filed, but the actual moment it is filed. Therefore, we can theoretically stop a foreclosure sale scheduled for 3pm by filing the bankruptcy ten minutes earlier.
However, it is not unlimited relief; there are some circumstances in which the Automatic Stay will not block legal action against you, as the lawyers at Baram Kaiser Law can explain. For example, criminal proceedings do not violate the Automatic Stay. Likewise, actions to collect previously Court-ordered child support obligations are not stopped by the Automatic Stay. The Automatic Stay can be limited in duration in certain circumstances, for example, if you have filed bankruptcy previously in the recent past. In certain circumstances, a creditor may have legal grounds to ask the Bankruptcy Court Judge to remove or modify the Automatic Stay, for example, if you do not resume mortgage payments after you file your bankruptcy. These nuances in the Bankruptcy law require the advice and counsel of a knowledgeable, experienced attorney to help plan the best course of action to protect you and your family’s finances.