How do I make my mortgage payments for the next three months? When people asked and learned that I am able to work from home, they are a little envious. What they don’t understand is that one cannot “work from home” indefinitely. At some point, there will be no work…
I’ve noticed a great deal of anxiety about people who have put off getting essential documents in place: Durable powers of attorney, medical surrogate, living wills, regular wills and trusts. This includes not only POAs and medical care decision making, but also planning ahead for advice to protect hard-earned assets…
We’ve gathered some information below for folks with student related questions if their job/business/income has been impacted by the CoronaVirus/COVID-19: Here some info below on servicers and US Dept of ED current updates: Nelnet; currently open “attempting to keep call centers staffed, however use online options” Offers: Deferment, forbearance Great…
I just found an eye opening video by Gary Fraley, a certified bankruptcy attorney in California, on why debt relief companies should be avoided! Watch the video – it’s short, to the point, and there’s a cool saddle in the back ground — looks like a former Texas transplant to…
Lawyers often spend too much time focused on whether a debtor meets the Brunner test for undue hardship that they miss major opportunities to reduce and eliminate federal and private student loan debt. Many people are in forbearance for years while their loan balances continue to grow. Taking advantage of…
Some of you probably already realize this, but all the old Roadrunner accounts (tampabay.rr.com) are being discontinued by Spectrum. It’s odd because some emails are coming through, but replies back and other emails are not. However, bounce backs are not being sent either. Our main email used to be cdalaw@tampabay.rr.com. …
Courts are divided on this issue. The answer may matter as to whether a debtor in bankruptcy must pass the means test. The federal Bankruptcy Code defines consumer debt as debt incurred by an individual “primarily for a personal, family, or household purpose.” … The court may classify student loans as either consumer debt or non-consumer debt. Some courts, like…
Our record now for obtaining forgiveness of federal student loans for one client is over a million dollars. So there is no cap — and this took less than three months. Client consulted with us on 11/11/19 and the Total and Permanent Disability forgiveness of over one million dollars was…
The FCRA requires that “[w]henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.” 15 U.S.C. Section 1681e(b). That’s a high burden “maximum possible accuracy”! And it is not being…
President Trump’s proposal to eliminate public service is not nearly as bad as the headlines make it appear. Basically, 99.5% of folks are being denied for PSLF right now because they do not know how to qualify. Their federal student loan servicers are doing a poor job of communicating to…