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397 </div> 398 </div> 399 </div> 400 <div class="elementor-element elementor-element-155ef09 e-flex e-con-boxed e-con e-parent" data-id="155ef09" data-element_type="container" data-e-type="container"> 401 <div class="e-con-inner"> 402 <div class="elementor-element elementor-element-61e93ec e-con-full e-flex e-con e-child" data-id="61e93ec" data-element_type="container" data-e-type="container"> 403 <div class="elementor-element elementor-element-f55a326 elementor-widget elementor-widget-theme-post-content" data-id="f55a326" data-element_type="widget" data-e-type="widget" data-widget_type="theme-post-content.default"> 404 <div class="elementor-widget-container"> 405 <div data-elementor-type="wp-page" data-elementor-id="273" class="elementor elementor-273" data-elementor-post-type="page"> 406 <div class="elementor-element elementor-element-6c14ae6 e-flex e-con-boxed e-con e-parent" data-id="6c14ae6" data-element_type="container" data-e-type="container"> 407 <div class="e-con-inner"> 408 <div class="elementor-element elementor-element-643ea16 elementor-widget elementor-widget-accordion" data-id="643ea16" data-element_type="widget" data-e-type="widget" data-widget_type="accordion.default"> 409 <div class="elementor-widget-container"> 410 <div class="elementor-accordion"> 411 <div class="elementor-accordion-item"> 412 <div id="elementor-tab-title-1051" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1051" aria-expanded="false"> 413 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 414 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 415 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 416 </span> 417 <a class="elementor-accordion-title" tabindex="0">What exactly is bankruptcy</a> 418 </div> 419 <div id="elementor-tab-content-1051" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1051"><p>Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court.</p></div> 420 </div> 421 <div class="elementor-accordion-item"> 422 <div id="elementor-tab-title-1052" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1052" aria-expanded="false"> 423 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 424 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 425 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 426 </span> 427 <a class="elementor-accordion-title" tabindex="0">Are there different kinds of bankruptcy?</a> 428 </div> 429 <div id="elementor-tab-content-1052" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1052"><p>Yes. Bankruptcies can generally be described as âliquidationâ (Chapter7) or âreorganizationâ (Chapter 13).<br />Liquidation bankruptcy is called Chapter 7. Under Chapter 7 bankruptcy, a consumer asks the bankruptcy court to wipe out (discharge) the debts owed. Certain debts cannot be discharged.<br />There are several types of reorganization bankruptcy (Chapter 13). Consumers with secured debts under $871,550 and unsecured debts under $269,250 can file for Chapter 13. Family farmers can file for Chapter 12. In any reorganization bankruptcy, a plan is filed with the bankruptcy court proposing how you will repay your creditors. Some debts must be repaid in full; others will be paid based on a percentage of the total debt owed; others may not be paid at all.</p></div> 430 </div> 431 <div class="elementor-accordion-item"> 432 <div id="elementor-tab-title-1053" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1053" aria-expanded="false"> 433 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 434 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 435 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 436 </span> 437 <a class="elementor-accordion-title" tabindex="0">Will filing for bankruptcy stop harassing phone calls from bill collectors?</a> 438 </div> 439 <div id="elementor-tab-content-1053" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-10
43953"><p>In either type of bankruptcy (Chapter 7 or Chapter 13), upon the filing of the case the court issues an âautomatic stayâ. The automatic stay prohibits virtually all creditors from taking any action to collect the debts you owe them unless the bankruptcy court lifts the stay and lets the creditor proceed with collections.</p></div> 440 </div> 441 <div class="elementor-accordion-item"> 442 <div id="elementor-tab-title-1054" class="elementor-tab-title" data-tab="4" role="button" aria-controls="elementor-tab-content-1054" aria-expanded="false"> 443 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 444 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 445 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 446 </span> 447 <a class="elementor-accordion-title" tabindex="0">What generally happens in consumer bankruptcy cases?</a> 448 </div> 449 <div id="elementor-tab-content-1054" class="elementor-tab-content elementor-clearfix" data-tab="4" role="region" aria-labelledby="elementor-tab-title-1054"><p>In a Chapter 7 case, you file several forms with the bankruptcy court listing income and expenses, assets, debts and property transactions. There is a filing fee, which may be waived for people who receive public assistance or live below the poverty level. A court-appointed person, known as a trustee, is assigned to oversee the case.<br />Approximately one month after filing, you attend a âmeeting of creditorsâ where the trustee reviews your forms and may ask questions of both you and your attorney. Three to six months later, you receive a notice from the court that âall debts that qualified for discharge were discharged.â This is what as known as a discharge.<br />Chapter 13 cases are a little different. You file similar forms in addition to a proposed repayment plan, in which you describe how you intend to repay your debts over the next three, or in some cases five years. As in a Chapter 7 a trustee is assigned to oversee the case. You attend the same type of meeting of creditors. If your plan is approved, and you make all the payments called for under your plan, you will usually receive a discharge at the end of your repayment term.<br />Non dis-chargeable Debts<br />The are certain debts that are non-dischargeable in both Chapter 7 and Chapter 13 bankruptcy plans. If you file for Chapter 7, these debts will remain owed by you when your case is over. If you file for Chapter 13, these debts may have to be paid during your plan.<br />Some types of non-dischargeable debts include:</p><ul><li>Debts you forget to list in your bankruptcy papers, unless the creditor learns of your bankruptcy case (It is very important in both Chapter 7 and Chapter 13 cases to make sure and list ALL of your debts.)</li><li>Child support and alimony</li><li>Debts for personal injury or death caused by intoxicated driving</li><li>Most student loans, unless it would be an undue hardship for you to repay</li><li>Fines and penalties imposed for violating the law, such as traffic tickets and criminal restitution, and</li><li>Recent income tax debts and all other tax debts</li></ul><p>In addition, the following debts may be declared non-dischargeable by a bankruptcy judge in Chapter 7 if the creditor challenges your request to discharge them.<br />These debts may be discharged in Chapter 13. You can include them in your plan, and at the end of your case, the balance is wiped out:</p><ul><li>Debts incurred on the basis of fraud, such as lying on a credit application</li><li>Debts from willful or malicious injury to another person or another personâs property</li><li>Debts from embezzlement, larceny or breach of trust, and</li></ul></div> 450 </div> 451 <div class="elementor-accordion-item"> 452 <div id="elementor-tab-title-1055" class="elementor-tab-title" data-tab="5" role="button" aria-controls="elementor-tab-content-1055" aria-expanded="false"> 453 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 454 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 455 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 456 </span> 457 <a class="elementor-accordion-title" tabindex="0">What property might I lose if I file for bankruptcy?</a> 458 </div> 459 <div id="elementor-tab-content-1055" class="elementor-tab-content elementor-clearfix" data-tab="5" role="region" aria-labelledby="elementor-tab-title-10
45955"><p>Generally, You lose no property in Chapter 13. In Chapter 7, you select property you are eligible to keep from either a list of state exemptions or exemptions provided in the federal Bankruptcy Code.</p></div> 460 </div> 461 <div class="elementor-accordion-item"> 462 <div id="elementor-tab-title-1056" class="elementor-tab-title" data-tab="6" role="button" aria-controls="elementor-tab-content-1056" aria-expanded="false"> 463 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 464 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 465 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 466 </span> 467 <a class="elementor-accordion-title" tabindex="0">Will I lose my house or apartment?</a> 468 </div> 469 <div id="elementor-tab-content-1056" class="elementor-tab-content elementor-clearfix" data-tab="6" role="region" aria-labelledby="elementor-tab-title-1056"><p>One of the biggest worries people have when considering filing for bankruptcy is the possible loss of their home. Though there are a few situations where you may have to give up your home, keep in mind that bankruptcy is not designed to put you out of your home.</p></div> 470 </div> 471 <div class="elementor-accordion-item"> 472 <div id="elementor-tab-title-1057" class="elementor-tab-title" data-tab="7" role="button" aria-controls="elementor-tab-content-1057" aria-expanded="false"> 473 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 474 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 475 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 476 </span> 477 <a class="elementor-accordion-title" tabindex="0">Why choose Chapter 13 over Chapter 7 bankruptcy?</a> 478 </div> 479 <div id="elementor-tab-content-1057" class="elementor-tab-content elementor-clearfix" data-tab="7" role="region" aria-labelledby="elementor-tab-title-1057"><p>Although the overwhelming number of people who have filed for bankruptcy in the past have chosen and can qualify for Chapter 7, there are several reasons why some may select to file Chapter 13:</p><ul><li>You cannot file for Chapter 7 bankruptcy if you received a Chapter 7 discharge within the previous eight years (unless you paid off at least 70% of your unsecured debts in a Chapter 13 bankruptcy. On the other hand, you can file for Chapter 13 bankruptcy at any time.)</li><li>You have valuable nonexempt property.</li><li>Youâre behind on your mortgage or car loan. In Chapter 7, you may have to give up the property or pay for it in full during your bankruptcy case. In</li><li>Chapter 13, you can repay the arrears through your plan, and keep the property by making the payments required under the contract.</li><li>You have debts that cannot be discharged in Chapter 7.</li><li>You have codebtors on personal (nonbusiness) loans. In Chapter 7, the creditors may pursue your codebtors for payment. In Chapter 13, the creditors may not seek payment from your codebtors for the duration of your case.</li><li>You feel a moral obligation to repay your debts, you want to learn money management, or you hope new creditors might be more inclined to grant you credit after a Chapter 13 than they would after a Chapter 7.</li></ul></div> 480 </div> 481 <div class="elementor-accordion-item"> 482 <div id="elementor-tab-title-1058" class="elementor-tab-title" data-tab="8" role="button" aria-controls="elementor-tab-content-1058" aria-expanded="false"> 483 <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> 484 <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> 485 <span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span> 486 </span> 487 <a class="elementor-accordion-title" tabindex="0">Why choose Chapter 13 over Chapter 7 bankruptcy?</a> 488 </div> 489 <div id="elementor-tab-content-1058" class="elementor-tab-content elementor-clearfix" data-tab="8" role="region" aria-labelledby="elementor-tab-title-10
48958"><p>Although the overwhelming number of people who have filed for bankruptcy in the past have chosen and can qualify for Chapter 7, there are several reasons why some may select to file Chapter 13:</p><ul><li>You cannot file for Chapter 7 bankruptcy if you received a Chapter 7 discharge within the previous eight years (unless you paid off at least 70% of your unsecured debts in a Chapter 13 bankruptcy. On the other hand, you can file for Chapter 13 bankruptcy at any time.)</li><li>You have valuable nonexempt property.</li><li>Youâre behind on your mortgage or car loan. In Chapter 7, you may have to give up the property or pay for it in full during your bankruptcy case. In</li><li>Chapter 13, you can repay the arrears through your plan, and keep the property by making the payments required under the contract.</li><li>You have debts that cannot be discharged in Chapter 7.</li><li>You have codebtors on personal (nonbusiness) loans. In Chapter 7, the creditors may pursue your codebtors for payment. In Chapter 13, the creditors may not seek payment from your codebtors for the duration of your case.</li><li>You feel a moral obligation to repay your debts, you want to learn money management, or you hope new creditors might be more inclined to grant you credit after a Chapter 13 than they would after a Chapter 7.</li></ul></div> 490 </div> 491 </div> 492 </div> 493 </div> 494 </div> 495 </div> 496 </div> 497 </div> 498 </div> 499 </div> 500 <div class="elementor-element elementor-element-5c18705 e-con-full e-flex e-con e-child" data-id="5c18705" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 501 <div class="elementor-element elementor-element-1411bba e-con-full e-flex e-con e-child" data-id="1411bba" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 502 <div class="elementor-element elementor-element-86f6667 e-con-full e-flex e-con e-child" data-id="86f6667" data-element_type="container" data-e-type="container"> 503 <div class="elementor-element elementor-element-2508ff3 elementor-widget elementor-widget-heading" data-id="2508ff3" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 504 <div class="elementor-widget-container"> 505 <h2 class="elementor-heading-title elementor-size-default">Bankruptcy Law</h2> </div> 506 </div> 507 </div> 508 <div class="elementor-element elementor-element-e1ed97c elementor-nav-menu__align-start elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu" data-id="e1ed97c" data-element_type="widget" data-e-type="widget" data-settings="{"layout":"vertical","submenu_icon":{"value":"<i class=\"fas fa-caret-down\" aria-hidden=\"true\"><\/i>","library":"fa-solid"}}" data-widget_type="nav-menu.default"> 509 <div class="elementor-widget-container"> 510 <nav aria-label="Menu" class="elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-fade"> 511 <ul id="menu-1-e1ed97c" class="elementor-nav-menu sm-vertical"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-21079"><a href="https://moneyproblems.com/bankruptcy-law/bankruptcy-services/chapter-7-bankruptcy/" class="elementor-item">Chapter 7</a></li> 512<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-20746"><a href="https://moneyproblems.com/bankruptcy-law/chapter-13-bankruptcy/" class="elementor-item">Chapter 13</a></li> 513</ul> </nav> 514 <nav class="elementor-nav-menu--dropdown elementor-nav-menu__container" aria-hidden="true"> 515 <ul id="menu-2-e1ed97c" class="elementor-nav-menu sm-vertical"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-21079"><a href="https://moneyproblems.com/bankruptcy-law/bankruptcy-services/chapter-7-bankruptcy/" class="elementor-item" tabindex="-1">Chapter 7</a></li> 516<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-20746"><a href="https://moneyproblems.com/bankruptcy-law/chapter-13-bankruptcy/" class="elementor-item" tabindex="-1">Chapter 13</a></li> 517</ul> </nav> 518 </div>
519 </div> 520 </div> 521 <div class="elementor-element elementor-element-2e400a1 e-con-full e-flex e-con e-child" data-id="2e400a1" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 522 <div class="elementor-element elementor-element-30fc43a elementor-widget elementor-widget-image" data-id="30fc43a" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 523 <div class="elementor-widget-container"> 524 <img width="500" height="183" src="https://moneyproblems.com/wp-content/uploads/2024/10/LOGO-Light-Gray-min.png" class="attachment-large size-large wp-image-20856" alt="Eron H. Epstein Bankruptcy Attorney" srcset="https://moneyproblems.com/wp-content/uploads/2024/10/LOGO-Light-Gray-min.png 500w, https://moneyproblems.com/wp-content/uploads/2024/10/LOGO-Light-Gray-min-300x110.png 300w" sizes="(max-width: 500px) 100vw, 500px" /> </div> 525 </div> 526 <div class="elementor-element elementor-element-b4abcb5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="b4abcb5" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default"> 527 <div class="elementor-widget-container"> 528 <div class="elementor-divider"> 529 <span class="elementor-divider-separator"> 530 </span> 531 </div> 532 </div> 533 </div> 534 <div class="elementor-element elementor-element-f223fce elementor-widget elementor-widget-heading" data-id="f223fce" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 535 <div class="elementor-widget-container"> 536 <h2 class="elementor-heading-title elementor-size-default">Start Your Journey</h2> </div> 537 </div> 538 <div class="elementor-element elementor-element-323c20e elementor-widget elementor-widget-text-editor" data-id="323c20e" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 539 <div class="elementor-widget-container"> 540 <p>to Financial Relief with a Free Consultation!</p> </div> 541 </div> 542 <div class="elementor-element elementor-element-09df3b9 fluentform-widget-submit-button-center fluent-form-widget-step-header-yes fluent-form-widget-step-progressbar-yes fluentform-widget-submit-button-custom elementor-widget elementor-widget-fluent-form-widget" data-id="09df3b9" data-element_type="widget" data-e-type="widget" data-widget_type="fluent-form-widget.default"> 543 <div class="elementor-widget-container"> 544 545 <div class="fluentform-widget-wrapper fluentform-widget-align-default"> 546 547 548 <div class='fluentform ff-default fluentform_wrapper_9 ffs_default_wrap'><form data-form_id="9" id="fluentform_9" class="frm-fluent-form fluent_form_9 ff-el-form-top ff_form_instance_9_1 ff-form-loading ff_has_v3_recptcha ffs_default" data-form_instance="ff_form_instance_9_1" method="POST" data-recptcha_key="6LeUFq4rAAAAAEQj0tpNdzr1x8fQO1eTf70_Wrzs" ><fieldset style="border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; 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974 975 <a id="pojo-a11y-skip-content" class="pojo-skip-link pojo-skip-content" tabindex="1" accesskey="s" href="#content">Skip to content</a> 976 <nav id="pojo-a11y-toolbar" class="pojo-a11y-toolbar-left pojo-a11y-" aria-label="Accessibility Toolbar"> 977 <div class="pojo-a11y-toolbar-toggle"> 978 <a class="pojo-a11y-toolbar-link pojo-a11y-toolbar-toggle-link" href="javascript:void(0);" title="Accessibility Tools" role="button"> 979 <span class="pojo-sr-only sr-only">Open toolbar</span> 980 <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" fill="currentColor" width="1em"> 981 <title>Accessibility Tools</title> 982 <g><path d="M60.4,78.9c-2.2,4.1-5.3,7.4-9.2,9.8c-4,2.4-8.3,3.6-13,3.6c-6.9,0-12.8-2.4-17.7-7.3c-4.9-4.9-7.3-10.8-7.3-17.7c0-5,1.4-9.5,4.1-13.7c2.7-4.2,6.4-7.2,10.9-9.2l-0.9-7.3c-6.3,2.3-11.4,6.2-15.3,11.8C7.9,54.4,6,60.6,6,67.3c0,5.8,1.4,11.2,4.3,16.1s6.8,8.8,11.7,11.7c4.9,2.9,10.3,4.3,16.1,4.3c7,0,13.3-2.1,18.9-6.2c5.7-4.1,9.6-9.5,11.7-16.2l-5.7-11.4C63.5,70.4,62.5,74.8,60.4,78.9z"/><path d="M93.8,71.3l-11.1,5.5L70,51.4c-0.6-1.3-1.7-2-3.2-2H41.3l-0.9-7.2h22.7v-7.2H39.6L37.5,19c2.5,0.3,4.8-0.5,6.7-2.3c1.9-1.8,2.9-4,2.9-6.6c0-2.5-0.9-4.6-2.6-6.3c-1.8-1.8-3.9-2.6-6.3-2.6c-2,0-3.8,0.6-5.4,1.8c-1.6,1.2-2.7,2.7-3.2,4.6c-0.3,1-0.4,1.8-0.3,2.3l5.4,43.5c0.1,0.9,0.5,1.6,1.2,2.3c0.7,0.6,1.5,0.9,2.4,0.9h26.4l13.4,26.7c0.6,1.3,1.7,2,3.2,2c0.6,0,1.1-0.1,1.6-0.4L97,77.7L93.8,71.3z"/></g> </svg> 983 </a> 984 </div> 985 <div class="pojo-a11y-toolbar-overlay"> 986 <div class="pojo-a11y-toolbar-inner"> 987 <p class="pojo-a11y-toolbar-title">Accessibility Tools</p> 988 989 <ul class="pojo-a11y-toolbar-items pojo-a11y-tools"> 990 <li class="pojo-a11y-toolbar-item"> 991 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-resize-font pojo-a11y-btn-resize-plus" data-action="resize-plus" data-action-group="resize" tabindex="-1" role="button"> 992 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Increase Text</title><path fill="currentColor" d="M256 200v16c0 4.25-3.75 8-8 8h-56v56c0 4.25-3.75 8-8 8h-16c-4.25 0-8-3.75-8-8v-56h-56c-4.25 0-8-3.75-8-8v-16c0-4.25 3.75-8 8-8h56v-56c0-4.25 3.75-8 8-8h16c4.25 0 8 3.75 8 8v56h56c4.25 0 8 3.75 8 8zM288 208c0-61.75-50.25-112-112-112s-112 50.25-112 112 50.25 112 112 112 112-50.25 112-112zM416 416c0 17.75-14.25 32-32 32-8.5 0-16.75-3.5-22.5-9.5l-85.75-85.5c-29.25 20.25-64.25 31-99.75 31-97.25 0-176-78.75-176-176s78.75-176 176-176 176 78.75 176 176c0 35.5-10.75 70.5-31 99.75l85.75 85.75c5.75 5.75 9.25 14 9.25 22.5z"></path></svg></span><span class="pojo-a11y-toolbar-text">Increase Text</span> </a> 993 </li> 994 995 <li class="pojo-a11y-toolbar-item"> 996 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-resize-font pojo-a11y-btn-resize-minus" data-action="resize-minus" data-action-group="resize" tabindex="-1" role="button"> 997 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Decrease Text</title><path fill="currentColor" d="M256 200v16c0 4.25-3.75 8-8 8h-144c-4.25 0-8-3.75-8-8v-16c0-4.25 3.75-8 8-8h144c4.25 0 8 3.75 8 8zM288 208c0-61.75-50.25-112-112-112s-112 50.25-112 112 50.25 112 112 112 112-50.25 112-112zM416 416c0 17.75-14.25 32-32 32-8.5 0-16.75-3.5-22.5-9.5l-85.75-85.5c-29.25 20.25-64.25 31-99.75 31-97.25 0-176-78.75-176-176s78.75-176 176-176 176 78.75 176 176c0 35.5-10.75 70.5-31 99.75l85.75 85.75c5.75 5.75 9.25 14 9.25 22.5z"></path></svg></span><span class="pojo-a11y-toolbar-text">Decrease Text</span> </a> 998 </li> 999 1000 <li class="pojo-a11y-toolbar-item"> 1001 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-grayscale" data-action="grayscale" data-action-group="schema" tabindex="-1" role="button"> 1002 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Grayscale</title><path fill="currentColor" d="M15.75 384h-15.75v-352h15.75v352zM31.5 383.75h-8v-351.75h8v351.75zM55 383.75h-7.75v-351.75h7.75v351.75zM94.25 383.75h-7.75v-351.75h7.75v351.75zM133.5 383.75h-15.5v-351.75h15.5v351.75zM165 383.75h-7.75v-351.75h7.75v351.75zM180.75 383.75h-7.75v-351.75h7.75v351.75zM196.5 383.75h-7.75v-351.75h7.75v351.75zM235.75 383.75h-15.75v-351.75h15.75v351.75zM275 383.75h-15.75v-351.75h15.75v351.75zM306.5 383.75h-15.75v-351.75h15.75v351.75zM338 383.75h-15.75v-351.75h15.75v351.75zM361.5 383.75h-15.75v-351.75h15.75v351.75zM408.75 383.75h-23.5v-351.75h23.5v351.75zM424.5 383.75h-8v-351.75h8v351.75zM448 384h-15.75v-352h15.75v352z"></path></svg></span><span class="pojo-a11y-toolbar-text">Grayscale</span> </a> 1003 </li> 1004 1005 <li class="pojo-a11y-toolbar-item"> 1006 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-high-contrast" data-action="high-contrast" data-action-group="schema" tabindex="-1" role="button"> 1007 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>High Contrast</title>
1007<path fill="currentColor" d="M192 360v-272c-75 0-136 61-136 136s61 136 136 136zM384 224c0 106-86 192-192 192s-192-86-192-192 86-192 192-192 192 86 192 192z"></path></svg></span><span class="pojo-a11y-toolbar-text">High Contrast</span> </a> 1008 </li> 1009 1010 <li class="pojo-a11y-toolbar-item"> 1011 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-negative-contrast" data-action="negative-contrast" data-action-group="schema" tabindex="-1" role="button"> 1012 1013 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Negative Contrast</title><path fill="currentColor" d="M416 240c-23.75-36.75-56.25-68.25-95.25-88.25 10 17 15.25 36.5 15.25 56.25 0 61.75-50.25 112-112 112s-112-50.25-112-112c0-19.75 5.25-39.25 15.25-56.25-39 20-71.5 51.5-95.25 88.25 42.75 66 111.75 112 192 112s149.25-46 192-112zM236 144c0-6.5-5.5-12-12-12-41.75 0-76 34.25-76 76 0 6.5 5.5 12 12 12s12-5.5 12-12c0-28.5 23.5-52 52-52 6.5 0 12-5.5 12-12zM448 240c0 6.25-2 12-5 17.25-46 75.75-130.25 126.75-219 126.75s-173-51.25-219-126.75c-3-5.25-5-11-5-17.25s2-12 5-17.25c46-75.5 130.25-126.75 219-126.75s173 51.25 219 126.75c3 5.25 5 11 5 17.25z"></path></svg></span><span class="pojo-a11y-toolbar-text">Negative Contrast</span> </a> 1014 </li> 1015 1016 <li class="pojo-a11y-toolbar-item"> 1017 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-light-background" data-action="light-background" data-action-group="schema" tabindex="-1" role="button"> 1018 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Light Background</title><path fill="currentColor" d="M184 144c0 4.25-3.75 8-8 8s-8-3.75-8-8c0-17.25-26.75-24-40-24-4.25 0-8-3.75-8-8s3.75-8 8-8c23.25 0 56 12.25 56 40zM224 144c0-50-50.75-80-96-80s-96 30-96 80c0 16 6.5 32.75 17 45 4.75 5.5 10.25 10.75 15.25 16.5 17.75 21.25 32.75 46.25 35.25 74.5h57c2.5-28.25 17.5-53.25 35.25-74.5 5-5.75 10.5-11 15.25-16.5 10.5-12.25 17-29 17-45zM256 144c0 25.75-8.5 48-25.75 67s-40 45.75-42 72.5c7.25 4.25 11.75 12.25 11.75 20.5 0 6-2.25 11.75-6.25 16 4 4.25 6.25 10 6.25 16 0 8.25-4.25 15.75-11.25 20.25 2 3.5 3.25 7.75 3.25 11.75 0 16.25-12.75 24-27.25 24-6.5 14.5-21 24-36.75 24s-30.25-9.5-36.75-24c-14.5 0-27.25-7.75-27.25-24 0-4 1.25-8.25 3.25-11.75-7-4.5-11.25-12-11.25-20.25 0-6 2.25-11.75 6.25-16-4-4.25-6.25-10-6.25-16 0-8.25 4.5-16.25 11.75-20.5-2-26.75-24.75-53.5-42-72.5s-25.75-41.25-25.75-67c0-68 64.75-112 128-112s128 44 128 112z"></path></svg></span><span class="pojo-a11y-toolbar-text">Light Background</span> </a> 1019 </li> 1020 1021 <li class="pojo-a11y-toolbar-item"> 1022 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-links-underline" data-action="links-underline" data-action-group="toggle" tabindex="-1" role="button"> 1023 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Links Underline</title><path fill="currentColor" d="M364 304c0-6.5-2.5-12.5-7-17l-52-52c-4.5-4.5-10.75-7-17-7-7.25 0-13 2.75-18 8 8.25 8.25 18 15.25 18 28 0 13.25-10.75 24-24 24-12.75 0-19.75-9.75-28-18-5.25 5-8.25 10.75-8.25 18.25 0 6.25 2.5 12.5 7 17l51.5 51.75c4.5 4.5 10.75 6.75 17 6.75s12.5-2.25 17-6.5l36.75-36.5c4.5-4.5 7-10.5 7-16.75zM188.25 127.75c0-6.25-2.5-12.5-7-17l-51.5-51.75c-4.5-4.5-10.75-7-17-7s-12.5 2.5-17 6.75l-36.75 36.5c-4.5 4.5-7 10.5-7 16.75 0 6.5 2.5 12.5 7 17l52 52c4.5 4.5 10.75 6.75 17 6.75 7.25 0 13-2.5 18-7.75-8.25-8.25-18-15.25-18-28 0-13.25 10.75-24 24-24 12.75 0 19.75 9.75 28 18 5.25-5 8.25-10.75 8.25-18.25zM412 304c0 19-7.75 37.5-21.25 50.75l-36.75 36.5c-13.5 13.5-31.75 20.75-50.75 20.75-19.25 0-37.5-7.5-51-21.25l-51.5-51.75c-13.5-13.5-20.75-31.75-20.75-50.75 0-19.75 8-38.5 22-52.25l-22-22c-13.75 14-32.25 22-52 22-19 0-37.5-7.5-51-21l-52-52c-13.75-13.75-21-31.75-21-51 0-19 7.75-37.5 21.25-50.75l36.75-36.5c13.5-13.5 31.75-20.75 50.75-20.75 19.25 0 37.5 7.5 51 21.25l51.5 51.75c13.5 13.5 20.75 31.75 20.75 50.75 0 19.75-8 38.5-22 52.25l22 22c13.7
10235-14 32.25-22 52-22 19 0 37.5 7.5 51 21l52 52c13.75 13.75 21 31.75 21 51z"></path></svg></span><span class="pojo-a11y-toolbar-text">Links Underline</span> </a> 1024 </li> 1025 1026 <li class="pojo-a11y-toolbar-item"> 1027 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-readable-font" data-action="readable-font" data-action-group="toggle" tabindex="-1" role="button"> 1028 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Readable Font</title><path fill="currentColor" d="M181.25 139.75l-42.5 112.5c24.75 0.25 49.5 1 74.25 1 4.75 0 9.5-0.25 14.25-0.5-13-38-28.25-76.75-46-113zM0 416l0.5-19.75c23.5-7.25 49-2.25 59.5-29.25l59.25-154 70-181h32c1 1.75 2 3.5 2.75 5.25l51.25 120c18.75 44.25 36 89 55 133 11.25 26 20 52.75 32.5 78.25 1.75 4 5.25 11.5 8.75 14.25 8.25 6.5 31.25 8 43 12.5 0.75 4.75 1.5 9.5 1.5 14.25 0 2.25-0.25 4.25-0.25 6.5-31.75 0-63.5-4-95.25-4-32.75 0-65.5 2.75-98.25 3.75 0-6.5 0.25-13 1-19.5l32.75-7c6.75-1.5 20-3.25 20-12.5 0-9-32.25-83.25-36.25-93.5l-112.5-0.5c-6.5 14.5-31.75 80-31.75 89.5 0 19.25 36.75 20 51 22 0.25 4.75 0.25 9.5 0.25 14.5 0 2.25-0.25 4.5-0.5 6.75-29 0-58.25-5-87.25-5-3.5 0-8.5 1.5-12 2-15.75 2.75-31.25 3.5-47 3.5z"></path></svg></span><span class="pojo-a11y-toolbar-text">Readable Font</span> </a> 1029 </li> 1030 <li class="pojo-a11y-toolbar-item"> 1031 <a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-reset" data-action="reset" tabindex="-1" role="button"> 1032 <span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Reset</title><path fill="currentColor" d="M384 224c0 105.75-86.25 192-192 192-57.25 0-111.25-25.25-147.75-69.25-2.5-3.25-2.25-8 0.5-10.75l34.25-34.5c1.75-1.5 4-2.25 6.25-2.25 2.25 0.25 4.5 1.25 5.75 3 24.5 31.75 61.25 49.75 101 49.75 70.5 0 128-57.5 128-128s-57.5-128-128-128c-32.75 0-63.75 12.5-87 34.25l34.25 34.5c4.75 4.5 6 11.5 3.5 17.25-2.5 6-8.25 10-14.75 10h-112c-8.75 0-16-7.25-16-16v-112c0-6.5 4-12.25 10-14.75 5.75-2.5 12.75-1.25 17.25 3.5l32.5 32.25c35.25-33.25 83-53 132.25-53 105.75 0 192 86.25 192 192z"></path></svg></span> 1033 <span class="pojo-a11y-toolbar-text">Reset</span> 1034 </a> 1035 </li> 1036 </ul> 1037 </div> 1038 </div> 1039 </nav> 1040 <style id="fluentform_styler_css_9_ffs_default" type="text/css"> 1041 .fluentform_wrapper_9.ffs_default_wrap .ff-el-input--content .error , .fluentform_wrapper_9.ffs_default_wrap .error-text{ text-align: left; } .fluentform_wrapper_9.ffs_default_wrap .ff-message-success{ text-align: left; } .fluentform_wrapper_9.ffs_default_wrap .ff-errors-in-stack { text-align: left; } </style> 1042 1043 <style id="fluentform_styler_css_8_ffs_default" type="text/css"> 1044 .fluentform_wrapper_8.ffs_default_wrap .ff-el-input--content .error , .fluentform_wrapper_8.ffs_default_wrap .error-text{ text-align: left; } .fluentform_wrapper_8.ffs_default_wrap .ff-message-success{ text-align: left; } .fluentform_wrapper_8.ffs_default_wrap .ff-errors-in-stack { text-align: left; } </style> 1045 1046
1046<script type="text/javascript"> 1047 jQuery(document.body).on('fluentform_init_9', 1048 function(event, data) { 1049 var $form = jQuery(data[0]); 1050 var formId = "9"; 1051 var $ = jQuery; 1052 try { 1053 // $form.on('fluentform_submission_success', function() { 1054// gtag('event', 'FormSubmission', { 1055// 'event_category': 'fluent_forms', 1056// }); 1057// }); } catch (e) { 1058 console.warn('Error in custom JS of Fluentform ID: ' + formId); 1059 console.error(e); 1060 } 1061 }); 1062 </script>
1062 1063
1063<script type="text/javascript"> 1064 jQuery(document.body).on('fluentform_init_8', 1065 function(event, data) { 1066 var $form = jQuery(data[0]); 1067 var formId = "8"; 1068 var $ = jQuery; 1069 try { 1070 // $form.on('fluentform_submission_success', function() { 1071// gtag('event', 'FormSubmission', { 1072// 'event_category': 'fluent_forms', 1073// }); 1074// }); } catch (e) { 1075 console.warn('Error in custom JS of Fluentform ID: ' + formId); 1076 console.error(e); 1077 } 1078 }); 1079 </script>
1079 1080
1080<script type="text/javascript"> 1081 1082 window.addEventListener('elementor/popup/show', function (e) { 1083 var ffForms = jQuery('#elementor-popup-modal-' + e.detail.id).find('form.frm-fluent-form'); 1084 1085 /** 1086 * Support conversation form in elementor popup 1087 * No regular form found, check for conversational form 1088 */ 1089 if (!ffForms.length) { 1090 const elements = document.getElementsByClassName('ffc_conv_form'); 1091 if (elements.length) { 1092 let jsEvent = new CustomEvent('ff-elm-conv-form-event', { 1093 detail: elements 1094 }); 1095 document.dispatchEvent(jsEvent); 1096 } 1097 } 1098 if (ffForms.length) { 1099 jQuery.each(ffForms, function(index, ffForm) { 1100 jQuery(ffForm).trigger('reInitExtras'); 1101 jQuery(document).trigger('ff_reinit', [ffForm]); 1102 }); 1103 } 1104 }); 1105 </script>
1105 1106
1106<script type="text/javascript" id="wpsp-script-frontend"></script>
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1107<script type="text/javascript"> 1108 if (typeof window.intlTelInput !== 'undefined' && !window.fluentFormIntlTelInput) { 1109 window.fluentFormIntlTelInput = window.intlTelInput; 1110 } 1111 1112 jQuery(document).ready(function($) { 1113 if (window.fluentFormIntlTelInput && typeof window.fluentFormIntlTelInput === 'function') { 1114 window.intlTelInput = window.fluentFormIntlTelInput; 1115 } 1116 }); 1117 </script>
1117 1118
1118<script type="text/javascript"> 1119 jQuery(document).ready(function ($) { 1120 function initTelInput() { 1121 var intlTelInputFunc = window.intlTelInput; 1122 if (typeof intlTelInputFunc == 'undefined') { 1123 return; 1124 } 1125 var telInput = jQuery('.ff_form_instance_9_1').find("#ff_9_phone"); 1126 if (!telInput.length) { 1127 return; 1128 } 1129 1130 var itlOptions = JSON.parse('{"separateDialCode":false,"nationalMode":true,"autoPlaceholder":"polite","useFullscreenPopup":false,"formatOnDisplay":true,"validationNumberTypes":["MOBILE","FIXED_LINE_OR_MOBILE","FIXED_LINE","TOLL_FREE"],"initialCountry":"US"}'); 1131 if (telInput.val()) { 1132 itlOptions.initialValue = telInput.val(); 1133 } 1134 var iti = intlTelInputFunc(telInput[0], itlOptions); 1135 telInput.data('iti', iti); 1136 telInput.data('strict_validation', 'yes'); 1137 } 1138 1139 initTelInput(); 1140 $(document).on('reInitExtras', '.ff_form_instance_9_1', function () { 1141 initTelInput(); 1142 }); 1143 }); 1144 </script>
1144 1145
1145<script type="text/javascript"> 1146 if (typeof window.intlTelInput !== 'undefined' && !window.fluentFormIntlTelInput) { 1147 window.fluentFormIntlTelInput = window.intlTelInput; 1148 } 1149 1150 jQuery(document).ready(function($) { 1151 if (window.fluentFormIntlTelInput && typeof window.fluentFormIntlTelInput === 'function') { 1152 window.intlTelInput = window.fluentFormIntlTelInput; 1153 } 1154 }); 1155 </script>
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1156<script type="text/javascript"> 1157 jQuery(document).ready(function ($) { 1158 function initTelInput() { 1159 var intlTelInputFunc = window.intlTelInput; 1160 if (typeof intlTelInputFunc == 'undefined') { 1161 return; 1162 } 1163 var telInput = jQuery('.ff_form_instance_8_2').find("#ff_8_2_phone"); 1164 if (!telInput.length) { 1165 return; 1166 } 1167 1168 var itlOptions = JSON.parse('{"separateDialCode":false,"nationalMode":true,"autoPlaceholder":"polite","useFullscreenPopup":false,"formatOnDisplay":true,"validationNumberTypes":["MOBILE","FIXED_LINE_OR_MOBILE","FIXED_LINE","TOLL_FREE"],"initialCountry":"US","onlyCountries":["US"]}'); 1169 if (telInput.val()) { 1170 itlOptions.initialValue = telInput.val(); 1171 } 1172 var iti = intlTelInputFunc(telInput[0], itlOptions); 1173 telInput.data('iti', iti); 1174 telInput.data('strict_validation', 'yes'); 1175 } 1176 1177 initTelInput(); 1178 $(document).on('reInitExtras', '.ff_form_instance_8_2', function () { 1179 initTelInput(); 1180 }); 1181 }); 1182 </script>
1182 1183 1184</body> 1185</html> 1186 1187<!-- Cache served by breeze CACHE (Desktop) - Last modified: Wed, 07 Oct 2026 22:45:41 GMT -->
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.