{"id":262,"date":"2009-08-11T10:42:51","date_gmt":"2009-08-11T10:42:51","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=262"},"modified":"2019-05-07T05:25:48","modified_gmt":"2019-05-07T05:25:48","slug":"bapcpa-man-meets-subprimulus","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/bapcpa-man-meets-subprimulus\/","title":{"rendered":"BAPCPA Man meets Subprimulus!"},"content":{"rendered":"<p>With permission from <strong><a href=\"http:\/\/bankruptcybill.us\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bankruptcy Bill<\/a><\/strong> himself, here&#8217;s <a href=\"http:\/\/bankruptcybill.us\/2009\/08\/11\/bapcpa-man-3-enter-subprimulus\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>BAPCPA Man #3<\/strong><\/a> where <a href=\"http:\/\/bankruptcybill.us\/category\/cartoons\/bapcpa-man\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>BAPCPA Man<\/strong><\/a> meets the ominous-looking villain <a href=\"http:\/\/bankruptcybill.us\/2009\/08\/11\/bapcpa-man-3-enter-subprimulus\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Subprimulus<\/strong><\/a>.<\/p>\n<p><a href=\"http:\/\/bankruptcybill.us\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-264\" title=\"BM3_subprime-3\" src=\"https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2009\/08\/bm3_subprime-3.jpg\" alt=\"BM3_subprime-3\" width=\"500\" height=\"403\" srcset=\"https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2009\/08\/bm3_subprime-3.jpg 750w, https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2009\/08\/bm3_subprime-3-300x242.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><em>(Click on image to see larger version.)<\/em><\/p>\n<p>The cartoon touches on a number of important themes, including:<\/p>\n<ol>\n<li>The <strong>mandatory pre-bankruptcy credit counseling requirement<\/strong> (addressed in previous post on this blog titled &#8220;<a href=\"https:\/\/nybankruptcy.net\/main\/2009\/07\/20\/what-you-should-know-about-the-credit-counseling-requirement\/\"><strong>What You Should Know About the Credit Counseling Requirement<\/strong><\/a>.&#8221;)<\/li>\n<li>The <strong>credit industry&#8217;s attempt to mislead the country<\/strong> into believing that abuse of our bankruptcy laws was a major problem (which it wasn&#8217;t) rather than acknowledging the reality:&nbsp; that bankruptcy is a necessary social safety net used by regular Americans who face financial circumstances beyond their control, such as <strong>medical bills<\/strong>, <strong>divorce<\/strong>, <strong>unemployment <\/strong>and <strong>recession<\/strong>.&nbsp; (See previous post on this blog titled &#8220;<a href=\"https:\/\/nybankruptcy.net\/main\/2009\/07\/28\/bankruptcy-social-safety-nets-and-planning-ahead\/\"><strong>Bankruptcy, Social Safety Nets and Planning Ahead<\/strong><\/a>.&#8221;)<\/li>\n<li><strong>Subprime loan companies<\/strong>, who helped get us into this economic mess to begin with, and <strong>loan modification companies<\/strong> who scam desperate homeowners and help keep us in this mess.&nbsp; (See previous post titled &#8220;<a href=\"https:\/\/nybankruptcy.net\/main\/2009\/07\/21\/subprime-loan-modification-companies\/\"><strong>Subprime Loan Modification Companies<\/strong><\/a>.&#8221;)<\/li>\n<\/ol>\n<p>The cartoon also shows the correct first step an average person should take when facing serious financial difficulties, which is to meet with an experienced bankruptcy attorney for a free initial consultation, ask all the questions you need to ask and learn all of your options.<\/p>\n<p>If you&#8217;re considering filing for bankruptcy in New York, please feel free to <a href=\"http:\/\/www.nybankruptcy.net\/main\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer\">contact me<\/a> for a <span style=\"text-decoration: underline;\"><strong>free initial consultation<\/strong><\/span> where we can discuss your situation, answer all your questions and figure out the best strategy to help you benefit from the <a href=\"https:\/\/nybankruptcy.net\/main\" target=\"_blank\" rel=\"noopener noreferrer\">bankruptcy attorney Brooklyn NY<\/a> and move forward with your financial life.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With permission from Bankruptcy Bill himself, here&#8217;s BAPCPA Man #3 where BAPCPA Man meets the ominous-looking villain Subprimulus. (Click on image to see larger version.) The cartoon touches on a number of important themes, including: The mandatory pre-bankruptcy credit counseling requirement (addressed in previous post on this blog titled &#8220;What You Should Know About the &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/nybankruptcy.net\/main\/bapcpa-man-meets-subprimulus\/\"> <span class=\"screen-reader-text\">BAPCPA Man meets Subprimulus!<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[16,26,22,46,31,7,12,14],"tags":[2,17,19,21,29,30,47,48,34,15,51,52,78],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bankruptcy Lawyer Brooklyn NY | BAPCPA Man meets Subprimulus!<\/title>\n<meta name=\"description\" content=\"With permission from Bankruptcy Bill himself, here&#039;s BAPCPA Man #3 where BAPCPA Man meets the ominous-looking villain Subprimulus. (Click on image to see\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nybankruptcy.net\/main\/bapcpa-man-meets-subprimulus\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankruptcy Lawyer Brooklyn NY | BAPCPA Man meets Subprimulus!\" \/>\n<meta property=\"og:description\" content=\"With permission from Bankruptcy Bill himself, here&#039;s BAPCPA Man #3 where BAPCPA Man meets the ominous-looking villain Subprimulus. 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