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Michael Gutter quotes

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    I Like this quote I dislike this quote“What they could so is maybe a debt consolidation loan, what that can do is change a little how your capacity of debt looks; change the number of cards you have, which will also bring with it a whole host of other things that have opposite effects.”

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    I Like this quote I dislike this quote“The burden of proof is on the taxpayer. So, it's up to you to provide records of things you say you've bought, or things along those lines.”

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    I Like this quote I dislike this quote“It's just something that flagged in the computer, not a lot of suspicion, until you don't cooperate. That's when they'll get serious, not when you send documents and schedule meetings at their request.”

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    I Like this quote I dislike this quote“There's a new needs-based test put into place on chapter 7 that will essentially eliminate most middle-class families from being eligible for bankruptcy.”

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    I Like this quote I dislike this quote“Prior to filing for bankruptcy, families will need to complete financial education and those being moved into chapter 7 or 13 will need to work with a financial counselor to actually establish that repayment strategy.”

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    I Like this quote I dislike this quote“That's a change from the previous test, which was a needs based test, or support based test and now it's dictated as a relationship-based test, as well as needs-based. That's a significant change and might hurt a lot of lower income families as a result.”

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