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Bankruptcy Information Straight Form Bankruptcy Attorneys

There is a lot of misinformation out there, especially on the internet, about bankruptcy. While we would never recommend bankruptcy to anyone unless it’s the best or only option, it’s important to know the facts about what bankruptcy is, what it does, and how it affects you. Credit-Yogi has been helping people get real debt relief through bankruptcy since 1995.
<span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span>Creditors, who obviously do not like bankruptcy because they usually end up getting less than what you owe, or nothing at all, often spread misinformation. Creditors may lead you to believe that bankruptcy will bring you more harm than good. However, even creditors realize, sometimes it’s better to settle for less, cut their losses, and move on – rather than continue futile and costly collection efforts.

Call Credit-Yogi now at 1-866-964-9644 or click below to get a FREE CONSULTATION with a bar association bankruptcy attorney to get information on your individual case.

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Privacy Policy

Last updated November 2019.

1. Overview.

OCONCO is the Webmaster and Data Controller regarding your submission.

OCONCO takes the protection of your privacy very seriously and this Privacy Policy sets out how your information will be handled.

2. Our Promise

We promise our users that we will:

Protect any personal data that we gather
Adhere to the principles of permission marketing*
Be clear about how we use the information we collect
Deal promptly and honestly with any complaints about our practices
Be a champion of consumer data protection
Endeavour to provide you with a personalized experience

And that we will not

Send you offers without your permission
Release personal information about you unless it is
- With your permission
- To a third party who works with us under strict contractual terms to deliver our service to you

*Permission marketing means that when you submit a request form or register you agree that we and our partner companies may use the details you supply to decide which service offers may interest you most and then to get in touch with you about these offers using the contact information you have provided. OCONCO may, also use information about you from other suppliers to increase the content of your profile.

3. The collection of information.

Information about you will be collected initially when you submit your information. This information will be used to identify offers that may be of interest to you.

Through your inquiry there may be occasions where additional personal information is collected through surveys, questionnaires, offers or competitions. This information provided by you may be shared with our commercial partners that offer related services.

Some third party websites operate under different Privacy Policies. Should you choose one of these links that will be leaving an OCONCO site for a site over which we have no control and we therefore accept no liability once you have left one of our sites.

WHEN YOU LEAVE OUR WEBSITE, THE PRIVACY POLICY ON THE SITE YOU HAVE MOVED TO MAY NOT BE THE SAME AS OURS, SO IF YOU WANT TO KNOW HOW YOUR INFORMATION WILL BE USED BY THE BUSINESS CONTROLLING THAT SITE, BE SURE TO READ ITS PRIVACY POLICY

4. The use of information.

OCONCO works with many partners to deliver offers to you that we believe may be of interest given the information you have provided.

By submitting your information through any of our data collection methods, you are agreeing that you are happy for us and our partner companies to use your details to decide which offers may interest you most and then to get in touch with you about these offers, via post, e-mail, text or telephone regardless of your federal Do Not Call Status.

OCONCO may, from time to time, use third party suppliers to provide all or part of its service to you. OCONCO shall only be entitled to disclose such of your personal information as is necessary to enable them to provide the relevant service to you.

5. Managing your personal information.

OCONCO strongly supports the principles of ‘permission marketing’ and will only send communications from itself and its partners with your agreement.

When you first register with us you agree to receive communications using any or all of the contact information you provide including e-mails, postal communications, text and phone communications.

We hope you will enjoy the communications we send you, but if at any time you change your mind, you may withdraw these permissions AT ANY TIME by either:

Using the ‘unsubscribe’ method in the telecommunications sent to you
Using the ‘unsubscribe’ link on any of the e-mail messages we send you.

If you prefer, you may change your mind or stop all further communication (there may be a short delay) by writing to: OCONCO 56 Housatonic St. Suite #1. Lenox, MA 01240. This is also the contact point if you have any complaint about our service.

If we do not hear otherwise from you, we will assume that the information you provide to us is accurate and up-to-date and we will continue to use the information to send you the communications you have requested.

Please note that OCONCO will act in accordance with local and federal laws and remove your permission as promptly as possible upon request. You may continue to receive communications for a short period of time whilst your removal request is being processed.

You have a right under the Data Protection Act 1998 to see what information we hold about you, subject to certain conditions.

Our websites may provide you with direct access to your contact details which you may update at any time but should you make an application to us in writing, we may ask you to provide us with sufficient information so that we can research your record of information. We cannot act on requests for access to personal data from third parties. We also reserve the right to make a small charge for providing you with the information you are requesting. If you would like to proceed with a request to see what data we hold about you, please write to OCONCO 56 Housatonic St. Suite #1. Lenox, MA 01240 USA

6. Security of your personal information.

When you give your personal data to OCONCO we will process that data in accordance with our responsibilities under the State and Federal Laws as well as other legislation if it is relevant.

We will keep your data safe and secure. To prevent unauthorized access, maintain data accuracy and ensure the correct usage of information, we monitor and adjust our physical, electronic and managerial procedures to safeguard and secure your personal data while in our care, or in the care of any outside suppliers with whom we may contract to process your data on our behalf.

Whilst we strive to protect your personal information, the internet is not a 100% secure medium for communication and, accordingly, OCONCO cannot guarantee the security of any information you send via the internet. OCONCO is not responsible for any loss or damage that you or others may suffer as a result of loss of confidentiality of such information.

It is your responsibility to ensure the security of your personal information and not to reveal this information to others if you are not willing to release such information.

7. Cookies, Tags and Web Beacons.

Cookies are small files of letters and numbers downloaded onto your computer when you access certain websites. Cookies unlock a computer’s memory allowing sites to recognize users when they return to a site. Like a key, a cookie itself does not contain information but when it is read by a browser it can help a website identify you and your requirements.

OCONCO uses cookies as a means of limiting the number of times you may see a certain advertisement on your screen (a process called frequency capping) to ensure that you see the best range of relevant offers and ads.

OCONCO also uses ‘web beacons’ as a means of tracking whether or not you open e-mails from us. This information is used to assess whether the message has been effective, both for you and us or our partners. The information is retained by us and used in deciding the most appropriate offers to be made to you in the future.

In some cases, we also track the pages visited when you click through from one of our advertisements to one of our partner sites. Note that this information is

- Anonymous – no personal information is released or can be derived from it
- Restricted only to our sites and the sites of our partners. We do not track pages you visit on the general internet.

Some of the partners that we advertise with require us to use cookies or action tags. These action tags provide those websites with the aggregate number of registrations to enable them to evaluate the effectiveness of their advertising. In some instances, we and another business may exchange some of your information as part of this assessment. The specific details should be explained in the ‘Privacy Policy’ or ‘Conditions of Use’ page of the partner sites.

Some of the partner websites that advertise with us may use cookies within their sites. You may decide how you wish cookies to be used. You can make and action this decision within your computer and you can easily delete cookies that have been installed in the cookie folder of your browser.

Most industry-standard web browsers have an option that allows you to turn off all cookies or have your computer inform you each time that a request to place a cookie is being made. If you turn cookies off (or refuse to accept a request to place a cookie) you may not have access to some features on our websites and our partners’ websites and you may lose the functionality of locating some of our services.

If you would like more information about cookies and how to control them no matter what version and which software you are using, go to www.allaboutcookies.org

OCONCO is not liable for information that is inaccurate due to technical defects in software used on our websites, whether induced by our systems or by software provided by third parties.

8. Changes to the Privacy Policy.

By using our websites you signify your acceptance of this Privacy Policy. OCONCO reserves the right to modify, alter or otherwise update this policy at any time. Visitors are encouraged to review this policy from time-to-time to stay abreast of any changes. Your continued use of our websites following the posting of any changes to this policy means you accept those changes.

OCONCO will undertake to revise the ‘last updated’ statement at the top and bottom of the Privacy Policy in the event of any changes to the Policy in the future.

Terms and Conditions

Disclosure

Nothing contained in any of the content or advertisements owned or operated by Real-estate-yogi.com or OCONCO, or their marketing partners including but not limited to all respective directors, officers, employees, contractors, assignees, and affiliates should be construed to constitute legal advice or counseling for your personal circumstances. The information within this site or any linked site provided should not be used as a replacement for or instead of the advice of an attorney or licensed professional. No services or professionals suggested by the sites or displayed as advertisements should be considered to be recommended, endorsed or guaranteed by anyone connected to this site or any linked site. Laws and regulations change often, therefore some information may not be based on the most recent information available on the subject. Furthermore no warranty is made about the information offered in any way. Under no circumstances will Real-estate-yogi.com or OCONCO, or any other party involved including but not limited to all respective directors, officers, employees, contractors, assignees, and affiliates be liable to you or any third party for any direct, indirect, incidental, special, punitive or other damages whether in contract or otherwise even if Real-estate-yogi.com or OCONCO is expressly advised of the possibility of such damages. You agree, now and forever, by using the site that you have read and understand these terms and conditions and that you relinquish all rights to take any action against anyone associated with this site or any linked site in any way.

Use of Your Personal Information

Your information will be protected and only used by Real-estate-yogi.com or OCONCO and their marketing partners. If a screening determines the product or service of interest may not be available we will refer you to one of our partners that specializes in that product or service or we will notify you by phone, email, or secondary webpage announcements after you have completed your request. The privacy policy of our marketing partners will dictate distribution of information once given to them.

Unless requested not to and regardless of whether or not your phone number is listed on the Federal Do Not Call List, we may (1)Follow up by telephone, SMS, or e-mail on any request to verify you received the product or service you applied for, (2)verify you were satisfied with the service you received, (3)contact you by phone or email to see if you would like to attempt to place the request again if the prior attempt did not achieve the result you desired and we feel another attempt or related product or service would yield a different outcome.

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Facts About Bankruptcy

Your home, car and other valuable assets can be protected under Chapter 13 Bankruptcy.
You may qualify for Chapter 7 or Chapter 13 Bankruptcy depending on your income and assets.
Chapter 7 Bankruptcy takes about three months, and when you finish you are debt free.
Chapter 13 Bankruptcy can take up to 3 – 5 years; your debt is reduced, with the remaining portion being paid back over time.
Small businesses can file Chapter 7 or 13. This is an easier option than Chapter 11, and you can keep your business open. Discuss this with your Credit-Yogi attorney.
Most debts can be discharged or reduced in a bankruptcy, including mortgage and car payments.
Student loans and felony charges cannot be discharged, according to federal law as well as some IRS Tax Debt.
Not all attorneys who take bankruptcy cases are qualified to represent you appropriately – you should choose an attorney who is certified with the American Bankruptcy Association. Credit-Yogi will get you a qualified bankruptcy attorney who works in your community.
Bankruptcy will stay on your credit report for up to 10 years. However, if you need bankruptcy protection, your credit report is already negative. Credit can be repaired once debts are removed and there are option to keep some credit lines open.

Call Credit-Yogi now at 1-866-964-9644 or click below to get in touch within minutes with a qualified bankruptcy attorney to discuss your specific case. We can help you day or night!

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Life After Bankruptcy

Your financial life will not be ruined after bankruptcy – quite the opposite. Bankruptcy is a fresh start. Filing for bankruptcy is taking charge of your life, and doing something productive to handle your mountain of debt.

After bankruptcy is over, depending on your situation, you will either have zero debt, or very manageable debt. You can then live on your current income and feel like you got a big fat raise because you don’t have all those debts to pay each month. You can restore your credit and start saving for your future.

Call Credit-Yogi now 1-866-964-9644 or click below to get a started on a new life without the mountain of debt.

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