Bankruptcy lawyer Houston, Texas and chapter 13 reliable advices: A ‘Motion for Non-Suit’ is what a creditor files to have its lawsuit dismissed. This can be ‘with prejudice’ (meaning a new lawsuit cannot be filed over the debt in the future) or ‘without prejudice’ (meaning the creditor has the right to file a lawsuit over the same debt in the future). A creditor may file a non-suit as part of a settlement agreement. A creditor may also file a non-suit when they realize they do not have all the documents necessary to prove the debt to a judge (or jury). If a non-suit is filed that means the lawsuit will not result in a judgment.

A Chapter 13 bankruptcy allows you to keep your stuff and get on a more affordable repayment plan with your creditors. You’ll need to have enough income to afford the payments and be below the maximum total debt limits (currently nearly $400,000 for unsecured debts and $1 million-plus for secured debts). A court will approve the Chapter 13 repayment plan, which usually lasts three to five years, and your trustee will collect your payments and disburse them to your creditors. Once you finish the plan, the remainder of the unsecured debts is discharged.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I think that customer service should be the number one priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

State tax you paid last spring: Did you owe taxes when you filed your 2018 state tax return in 2019? Then remember to include that amount with your state tax itemized deduction on your 2019 return, along with state income taxes withheld from your paychecks or paid via quarterly estimated payments. Beginning in 2018, the deduction for state and local taxes is limited to $10,000 per year. When you buy a house, you often get to deduct points paid to obtain your mortgage all at one time. When you refinance a mortgage, however, you have to deduct the points over the life of the loan. That means you can deduct 1/30th of the points a year if it’s a 30-year mortgage—that’s $33 a year for each $1,000 of points you paid. Doesn’t seem like much, but why throw it away? Also, in the year you pay off the loan—because you sell the house or refinance again—you get to deduct all the points not yet deducted, unless you refinance with the same lender.

Who Should File Chapter 13 Bankruptcy? Many people think of bankruptcy court as the final stop on a path to financial ruin, the only option left when repaying debts seems impossible. But there’s hope even in bankruptcy, and Chapter 13 of the federal bankruptcy code offers the closest thing to a soft landing. Sometimes called the Wage Earner’s Bankruptcy, Chapter 13 allows those with enough income to repay all or part of their debts an alternative to liquidation. It’s bankruptcy for those whose biggest problem is dealing with creditors’ demands for immediate payment, not lack of income. Discover even more information on this link.

Avoid Taxes on an RMD with a Charitable Donation: Seniors who have a traditional 401(k) or IRA must take a required minimum distribution each year once they reach age 70 1/2. Those who don’t need this money for living expenses may want to consider having it sent directly to a charity as a qualified charitable distribution. “It’s basically a check issued from the IRA and made out to the charity,” Zollars says. This prevents the money from becoming taxable income and could help reduce the amount of Social Security retirement benefits that are deemed taxable, too.

открытиве банковских счетов за границей с Antwort-Law? Antwort оказывает полное юридическое сопровождение при регистрации компаний в Великобритании, Эстонии, на Кипре, в Швейцарии, в ОАЭ, в Польше, в Сингапуре, в Гонконге, в США, Венгрии, на Мальте и других странах. Компания Antwort является профессионалом в сфере корпоративных услуг. Мы будем рады не только зарегистрировать для вас компанию, подобрать нужную юрисдикцию, но и консультировать вас по налоговым, корпоративным и финансовым вопросам на протяжении всего жизненного цикла компании. Antwort проводит регистрацию компаний за границей в низконалоговых юрисдикциях. В спектр наших услуг входит как регистрация новых компаний, так и покупка готовых. Зарегистрировать компанию или купить компанию с историей достаточно легко, если вы привлекаете в помощь профессионалов своего дела.

Discovery – это официальный запрос информации и документов в ходе судебного процесса. Если дело находится на рассмотрении мирового судьи, разрешение суда должно быть дано до того, как любая из сторон начнет процесс раскрытия. Если дело находится на рассмотрении в окружном или районном суде, одобрение суда не требуется. Обычно, но не всегда, открытие дела должно быть завершено за тридцать дней до передачи дела в суд. Если истец (лицо или компания, подающие иск) считает, что у него есть все доказательства, необходимые для победы в судебном процессе (и нет никаких спорных фактов), он может подать письменное заявление в суд с просьбой о вынесении приговора. вошел. Это письмо называется ходатайством об упрощенном судопроизводстве. Если «Ответчик» (лицо, против которого предъявляется иск) считает, что Истцу абсолютно не хватает некоторых доказательств, необходимых для победы в судебном процессе, ответчик может подать письменное заявление с просьбой о прекращении дела. Это письмо называется ходатайством об отсутствии доказательств для упрощенного судебного разбирательства.

Для того чтобы ваш бизнес был эффективен нельзя стоять на месте. Компания должна быть живой и этому способствуют любые структурные изменения в компании. Такие изменения могут касаться смены структуры, директора, акционера или увеличение уставного капитала. Работа с иностранными компания состоит не только из процесса регистрации и продления, но и включает в себя корпоративные изменения в течение всего жизненного цикла компании, а также ее ликвидацию. Если вам срочно нужно сменить юридический адрес, составить соглашение для смены собственников, подписать корпоративный договор или ввести в состав нового директора, то наша команда поможет вам. Процедура внесения корпоративных изменений и процесс закрытия компании отличаются в зависимости от страны. Для беспроблемной корпоративной смены внутри компании нужно правильно подготовить документы, получить одобрение соответствующих корпоративных органов и подать через регистратора.

Antwort Law предоставляет юридические и юридические услуги, специализирующиеся на налоговом сопровождении, регистрации инвестиционных проектов, создании хедж-фондов, получении финансовых лицензий в ЕС, открытии оффшорных и иностранных компаний, открытии иностранных счетов, открытии банковских счетов за рубежом и многом другом. Обладая обширным опытом и очень хорошей репутацией, Antwort Law с гордостью обслуживает таких клиентов, как UBS Group, Credit Suisse и ING Group. Увидеть Больше Информация на открытие офшоров и иностранных компаний.

спора, судебное разбирательство может быть не лучшим способом достижения разрешения, особенно когда стоимость судебного разбирательства (как с финансовой точки зрения, так и с точки зрения управления) может быть непомерно высокой для бизнеса. Мы можем помочь со всеми соответствующими формами ADR (Альтернативное разрешение споров). Однако, если судебное разбирательство необходимо, мы внимательно проведем вас через весь процесс, придерживаясь твердой позиции от вашего имени до завершения, включая вопрос об экстренном судебном запрете, если это будет сочтено необходимым, для защиты ваших законных деловых интересов. небольшой ремонт или расширение или крупномасштабное развитие наша команда специалистов предлагает коммерческий и практический подход для помощи в разрешении споров. Мы тесно сотрудничаем со всеми людьми и предприятиями, помогая быстро определить ключевые проблемы, которые угрожают вашему проекту, и разработать стратегию, которая наилучшим образом соответствует вашим целям, давая четкие и исчерпывающие советы о том, как минимизировать риски в будущем.

В основе деятельности любого бизнеса, особенно международного, находятся договоры и контракты. От качества и содержания договоров зависит, без преувеличения, судьба вашего бизнеса. Разработка и проверка договоров является одним из тех видов услуг, которые следует доверять только квалифицированным юристам. Особой компетенции от юристов требуют международные договоры и контракты, поскольку для работы с ними необходимы знания и опыт в международном праве. Если вам необходимо составить качественный договор или контракт – обратитесь в компанию Antwort. Мы поможем вам подготовить договор, который будет полностью соответствовать вашим интересам и не будет нести скрытых рисков.

Вы можете иметь право на другие страховые выплаты. Если у вас есть PIP, автопомощь, групповое или частное медицинское страхование или страхование супруга или родителя, ваш адвокат может координировать подачу всех требований по дополнительному страхованию, чтобы максимально увеличить ваше полное возмещение. Никогда не оплачивайте претензию раньше срока. Иногда на урегулирование претензии уходит много месяцев. Иногда разрешение претензии может занять год или больше. Фактически, не в интересах потерпевшего от несчастного случая слишком быстро урегулировать определенные виды претензий, потому что часто требуется много времени, чтобы серьезные травмы стали очевидными или чтобы лечение или хирургическое вмешательство принесли максимальную пользу пострадавшей стороне.

Лучшая команда специалистов в ЕС и СНГ, помогающая бизнесу находить правильные ответы на любые юридические вопросы – это и есть Antwort Law. Нам нет равных в юридическом и налоговом сопровождении международных IT, финансовых и инвестиционных проектов. Обнаружить дополнительный Информация на этом сайте https://antwort-law.com/.

UK online court platform proposal and recommended community legal services? If we observe the number of cases even before the COVID-19 pandemic, there were towering 39.300 cases in the Crown Court. After we faced the social distancing needs in 2019, the backlog of cases elevated at least 36 per cent, and the reports showed 53,318 points. Also, the COVID-19 spread across Scotland has resulted in the Lord President’s announcement that during the lockdown time, all the criminal courts will prioritize the most serious trials to keep things going smoothly. The decision expresses that most summary trials in the Sheriff Court and Justice of the Peace Court will be adjourned to decrease the number of overall trials to 75%.

Partner spotlight: NWAMI hosts a variety of events which provide opportunities for people from all over the world to showcase their talents and provide a taste of their own culture. In the past this has involved taking groups to parliament to discuss issues of integration and welfare. The groups were formed largely of international students from Bangor University, who were passionate about supporting welfare and experience of all international students. This can be through the medium of music, dance, poetry or writing. Some events we take part in include celebrations of DIWALI, Black History month, Inter-cultural events all over the country along. Visit our pages to see pictures and more information about the work we have done! Discover additional information on community based legal company.

Legal advice today: Insurance companies do not pay money willingly. The insurance company can be expected to thoroughly investigate the facts of your accident and use any prior history of related medical conditions to diminish the value of your claim. Insurance companies may hire a private investigator to film your physical activities in public. In substantial injury claims, insurance companies may even try to set you up by having their investigators trick you into engaging in physical activities such as carrying a heavy package, bending to pick up bulky objects or changing a flat tire.

If you feel that your sentence was too harsh, it may be possible to seek leave to appeal to the Court of Appeal to have the sentence reduced. The Court of Appeal will either allow the appeal (reduce the sentence) or refuse the appeal (leave the sentence alone). The Court of Appeal cannot increase the sentence but they can order that time spent in custody as an appellant does not count although this is only normally done in meritless cases. In some cases, something can go wrong in the trial process and you may feel that is why you were found guilty. Maybe the jury were given the wrong direction, maybe the judge got the law wrong or possibly, there is some new evidence. In these cases, you may have a right to appeal against your conviction on the grounds that it was unsafe. If you were represented by one or our in-house Advocates or approved barristers, we will always advise you about your options if this situation arises.

Community Law Project UK Ltd is a community based legal company that assists people on low incomes in their legal matters. Research indicates that people on low income have been made the most vulnerable and most likely to face problems accessing legal remedies since the passing of the LASPO Act 2012. The further restrictions on legal impinged on the rights of individual access to professional legal assistance. We aim to bridge the gap between people who need access to justice and legal remedies alongside the professionals who can assist them. Read additional information at here.

Best lawyer services Ghana? Foreigners are permitted to invest in land in Ghana, but the nature and extent of the interests that they are permitted to own is restricted. Any person who is not a Ghanaian citizen may not hold a freehold or higher interest in land in Ghana. Foreigners and legal entities, whether or not wholly-owned by Ghanaian citizens, may therefore only hold leaseholds and lesser interests in the land. Additionally, any person who is not a Ghanaian citizen may not hold a leasehold interest for a term of more than 50 years at any one time. Our lawyers in Ghana offer a full range of property services including financing, acquisitions and disposals, tax efficiency, land use, environmental law, construction and leasing.

We specialize in all aspects of intellectual property protection and commercialization, including registration of trademarks, designs and copyrights, licensing of intellectual property, drafting intellectual property agreements and policies and intellectual property branding both nationally and internationally. We also have extensive experienced in IP related litigation and dispute resolution. CQ Legal is synonymous with entertainment, media and sports law due to our strength, in-depth and substantial presence in these fields. Our understanding of the unique issues that confront music, media film and sports talent allows us to offer a focused service to our clients within this sector.

Our trade finance experience ranges from working on transactions and a variety of instruments ranging from letters of credit, standby credit, bonds, guarantees, to structured financing transactions involving secured syndicated facilities to export and sale of commodity. Our experience in funds covers all aspects of fund formation, structuring and management. Our focus is on alternative investment funds, private equity funds, hedge funds, sovereign investment vehicles, infrastructure and other investment funds. Our experience in project finance, public –private-partnerships and infrastructure finance stems from knowledge of representing sponsors, lenders and borrowers in the exploration, renewable energy roads and railway sectors across Africa. See additional info on Ghana Law Firm.

At CQ Legal, we understand that contracting with the Government and its agencies presents businesses with immense prospects as well as daunting challenges. Specific challenges include a complex set of unique rules and contractual requirements, extensive and sometimes intrusive scrutiny by state agencies, intellectual property and privacy rights that differ from the commercial norm and strict compliance requirements. With the broad range of expertise within our fold, we endeavor to guide our clients through the highly complex areas of dealing with the government in areas such as construction, investment, local and international procurement, bid submissions, etc. To lessen the burden of confusion and stress that businesses are likely to be exposed to, our team of recognized leaders in Government contracts taps into the broad resources of our local and international experts to offer effective solutions.

At CQ Legal, we have a specialist team of Insolvency Lawyers that are based in Ghana. With our broad knowledge and expertise, we provide simple and practical solutions to complex Insolvency matters our clients face, including Restructuring and Recoveries. Insolvency is a key risk which needs to be identified early and effectively managed. The restructuring of companies is on the rise globally and is now more relevant than ever with the business disruption that COVID-19 has brought to all sectors. Discover more info at https://www.cqlegal.net/.

Attorney advocates of America reviews : top timeshare debt resolution services? Attorney Advocates of America Works With Timeshare Owners Like You To Eliminate Your Costly, Unwanted Timeshare(s), Legally And Permanently. We Protect Our Client’s Rights. Attorney Advocates of America’s proven, results-driven Timeshare Cancellation program will end your timeshare contract once and for all. We help clients from coast to coast relive themselves of debt. We are a licensed debt relief law firm. We also specialize in contract law, the FDCPA statute and other regulatory statutes as it relates to real estate and timeshare sales. We will first demand a production of all documents as allowed for under federal statute. Subsequent to our findings we will demand immediate release from your timeshare membership and help you get out of your contract completely legally, ethically, and easily.

Searching for extra Attorney advocates of America reviews? Beware the “Lost Note” or “Lost Mortgage” (deed of trust, security deed, etc.) Position taken by foreclosing party (lender) in securitized mortgage foreclosure cases: nothing was “lost”, and to so represent to the court is a serious matter and may provide borrowers with a reason to request dismissal of the foreclosure case. A recurring pattern in mortgage foreclosure cases involving securitized mortgage transactions is a statement in the lawsuit filed by the party seeking to foreclose that either the Note or the Mortgage (also called, depending your state, a Deed of Trust, Security Deed, or something else) was “lost”, but that copies are attached to the lawsuit. In such a case, it is more likely than not that nothing was “lost” at all, and that the party seeking to foreclose is simply trying to take advantage of state laws which permit the filing of a foreclosure action with a “lost” Note or Mortgage when in fact such a statute may not apply as the Note and/or Mortgage were never “lost”, but were sold, assigned, or transferred more than once to different persons or entities.

Attorney Advocates of America was established as a full service debt relief law firm. This allows our firm to perform a case evaluation to best determine the correct course of action to be taken in a given matter. Our primary mission is to assist clients resolve and mitigate debt. The debt we handle for our clients covers a wide spectrum, such as; mortgage debt, unsecured and secured debt as well as business debt. When dealing with debt we endeavor to develop a financial strategy for the client.

What Happens If I Take No Action When Sued For Credit Card Lawsuit? Taking no action can lead to a series of events I will assure you would rather avoid. By taking no action on the credit card lawsuit the creditor and their Attorney will walk into court and simply be given a money judgement in their favor. Upon receiving the money judgement they will most likely start performing post judgement discovery. Upon performing discovery you will be required under oath to answer certain questions from the creditors Attorney. From that point the possibilities are endless. In most likelihood they will seek employment garnishment if you are subject to such action. Depending on the State you reside in they may also place a lien against your property. Find additional information at Attorney advocates of America reviews.

You may still have trouble with getting unsecured credit after a bankruptcy. If you find that to be the situation, applying for a secured card may be the answer. This will show people that you’re seriously trying to restore your credit record back in order. After a while, you are going to be able to have unsecured credit cards too. The Bankruptcy Code lists the kinds of assets which are excluded from bankruptcy. If you are not aware of the rules, you might be blindsided when a possession that is important to you is taken to repay creditors. The professional that helps you file with needs to know both the good and bad aspects of your finances.

Bankruptcy lawyer Houston, TX and chapter 7 lawsuits: Folks often have the misconception that if the lawsuit is not placed in their hands, they cannot be served and the lawsuit cannot proceed. This is not true and sometimes if you are served by alternative service you may not realize you have been served (if, for example, the lawsuit is affixed to your door and a nosy neighbor takes the lawsuit). If you are aware a lawsuit has been filed, do think if they have not put the lawsuit into your hands that the lawsuit cannot proceed. A lawsuit begins when the ‘Plaintiff’ (the person or company doing the suing) files the ‘Original Petition’ in the appropriate court. If the dollar amount the creditor is suing for is less than $10,000, the lawsuit will usually (but not always) be filed in a ‘Justice of the Peace’ court. Otherwise a lawsuit for an unpaid debt will typically be filed in the county court or district court for the county in which you live.

As a bankruptcy lawyer in Houston, I primarily help people and companies file Chapter 7 bankruptcy and Chapter 13 bankruptcy. I also help both individuals and companies resolve other debt issues. I have been practicing as a Chapter 7 lawyer in Houston and as a Chapter 13 lawyer in Houston for over 5 years. I believe that customer service should be the no 1 priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

Child and Dependent Care Tax Credit: A tax credit is so much better than a tax deduction—it reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that’s subject to tax. But it’s easy to overlook the child and dependent care credit if you pay your child care bills through a reimbursement account at work. The law allows you to run up to $5,000 of such expenses through a tax-favored reimbursement account at work. Up to $6,000 in care expenses can qualify for the credit, but the $5,000 from a tax favored account can’t be used. So if you run the maximum $5,000 through a plan at work but spend more for work-related child care, you can claim the credit on up to an extra $1,000. That would cut your tax bill by at least $200 using the minimum 20 percent of the expenses. The credit percentage goes up for lower income households.

How Does Chapter 7 Bankruptcy Work? When you file for Chapter 7 bankruptcy, the court places an automatic temporary stay on your current debts. This stops creditors from collecting payments, garnishing your wages, foreclosing on your home, repossessing property, evicting you or turning off your utilities. The court will take legal possession of your property and appoint a bankruptcy trustee to your case.

Meet With Your Tax Advisor: November is a good month to meet with a tax advisor, Powell says. They have finished their October tax filings and may have time in their schedule before the busy tax season starts after the first of the year. “If you sit down and do some math between now and the end of the year, you can make sure you are in a favorable tax bracket,” Barlin says. An advisor can help pinpoint strategies to reduce taxable income through retirement contributions or itemized deductions. That, in turn, may be key to ensuring households remain eligible for some income-based tax incentives such as student loan interest deductions. If you don’t regularly use a tax professional, Barlin says running numbers through tax software can be just as beneficial. Discover additional info at bankruptcy attorney in houston texas.

First, you should find a bankruptcy attorney who can provide you with a free evaluation and estimate to file. The cost to file Chapter 13 bankruptcy consists of filing fees and fees charged by a bankruptcy attorney. Applicants need to pay a $235 filing fee to the bankruptcy court, as well as a $75 miscellaneous administrative fee. A list of creditors and the amount of their claims, Disclosure of the amount and sources of the debtor’s income, A list of the debtor’s property, as well as an accounting of all contracts and leases in the debtor’s name, A breakdown of the debtor’s monthly living expenses, Tax information, including a copy of the debtor’s most recent federal tax return and a statement of any unpaid taxes.

Serafino Di Loreto avvocato – Ha persino fatto fondere e donato la ‘Campana della Nuova Vita’ alla parrocchia di Castenedolo, nel bresciano, in cui visse la propria infanzia, in memoria delle troppe vittime, negli ultimi anni, di banche e fisco ingiusti. Gente che è giunta oltre il limite estremo della disperazione per colpa delle numerose ingiustizie subite da parte di enti creditizi ed erariali. Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata struttura professionale si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere.

Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata Società si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere. E negli anni scorsi, anche per la crisi economica, è stata protagonista una rapidissima crescita in tutta Italia che l’ha portata alla ribalta nel mondo dell’imprenditoria locale e nazionale.

Mentre a Bergamo Serafino Di Loreto ha rilevato altresì un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri vengono creati ex novo componenti meccanici poi esportati in tutto il mondo.

L’azienda dal 2010, anno della fondazione a oggi, in soli otto anni ha assistito e aiutato, su fronti differenti e molteplici, oltre 150 mila italiani – privati e imprese – a uscire dalla crisi: restituendo, annullando e/o compensando circa 250 milioni di euro (riferiti a cartelle esattoriali, aste e pignoramenti bloccati o cancellati, interessi bancari illeciti su vari fronti) ingiustamente sottratti da banche e fisco ai loro legittimi proprietari.

“Oltre a essere stati i primi in Italia ad aver affrontato su vasta scala la questione dell’anatocismo/usura, e di tutti gli aspetti collegati, siamo anche stati i primi ad esserci dotati di polizze stipulate con importanti operatori del settore, che garantiscono la copertura delle spese legali, in caso di soccombenza“, prosegue ancora Di Loreto, imprenditore poliedrico e di successo attivo anche in altri molteplici settori. A Mantova, con la società ‘Ecoval’ il fondatore di ‘SDL Centrostudi Spa’ ha sviluppato un progetto con il patrocinio del Comune stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. In pratica, ha acquisito e riconvertito una delle più storicamente importanti realtà industriali cittadine, trasformandola da inquinante a struttura che crea disinquinanti.

Qualche anno fa fatturavate di più… Sì certo, la crisi era nel vivo, e paradossalmente per il tipo di lavoro che facciamo, avevamo richieste maggiori. Ora fortunatamente il mercato è in ripresa e c’è maggiore liquidità che circola, di conseguenza banche e aziende litigano di meno. In che cosa consiste, prevalentemente, l’attività di ‘Sdl Centrostudi Spa’? L’impresa si occupa in primis di analisi contabili econometriche per verificare che banche, istituti di credito e agenzia delle entrate non pratichino anatocismo ed usura e rispettino tutta una serie di parametri fissati dalla legge. Valutiamo il costo del denaro per imprese e persone che hanno mutui, finanziamenti e altro.

Avvocato Di Loreto, come si gestisce una struttura con centinaia di collaboratori sparsi per l’Italia? Noi abbiamo scelto un’organizzazione molto simile a quella militare, o ecclesiastica. Ovviamente per fini commerciali ed economici: il nostro è un network commerciale. In che cosa consiste, nello specifico, la vostra mission? Un’azienda ci contatta perché pensa di non essere trattata correttamente dal proprio istituto di credito. Un nostro incaricato, sulla base di una serie di dati, forniti dall’azienda stessa, svolge una pre-analisi gratuita. Se la pre-analisi dà esito positivo, allora offriamo una perizia a pagamento, debitamente stimata e approntata, che il potenziale cliente può, tranquillamente, accogliere oppure rifiutare senza alcun impegno.

Per parte di chi, allora? Del sistema creditizio italiano. In che modo viene elaborata una perizia? Abbiamo realizzato software gestionali (per conti correnti, mutui, leasing, derivati, cartelle esattoriali, ecc…) che, dopo aver inserito i parametri aziendali, è in grado di realizzare un calcolo matematico algoritmico integrato e complesso. Un progetto nostro, molto utile. Una perizia serve per dare all’impresa la prova che le banche non si stanno comportando correttamente con lo scopo di trattare nuove condizioni, oppure di chiedere i doverosi rimborsi. Qualora le banche dinieghino, che cosa accade? Le imprese e i privati hanno due opzioni: o accettano di mediare e restituire il maltolto oppure si va in tribunale a far valere le proprie posizioni.

Un’ultima domanda, Avvocato Di Loreto. Banche e fisco iniqui a parte, Lei opera con successo anche in altri ambiti imprenditoriali: quali? Sono molteplici. Ho sempre considerato ogni problema un’opportunità. A Mantova, con la società ‘Ecoval’ di cui sono socio ho sviluppato un progetto con il patrocinio del comune di Mantova stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. Trova aggiuntivo informazioni a Serafino Di Loreto.

Scusi ma da cosa dipende? Dipende dalle solite interpretazioni dei giudici, ovvio, ma c’è dell’altro… Ci dica pure… La legge italiana spiega chiaramente che, nel conteggio del tasso d’interesse, devono essere comprese anche le spese di tenuta conto e le commissioni di massimo scoperto. Chi è stato il relatore di queste legge? Luciano Violante, nel 1996. Invece che cosa sostiene la controparte? Afferma che quelli sono costi che non vanno conteggiati all’interno del tasso d’interesse applicato ai clienti, sposando la tesi di parte della Banca d’Italia. Ora, ovviamente, ci sono alcuni giudici che tengono buona questa tesi e altri, invece, che non la pensano così.

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