Options after Forbearance Period Ends
A number of mortgage lenders allowed borrowers to enter into Forbearance Agreements during the COVID-19 Pandemic. A forbearance agreement allows a borrower to miss mortgage payments for a period of…
Head of Family Exemption
The Head of Family Exemption may be used to protect both wages and bank account funds from garnishment. However, application of the exemption is not straightforward. The following explains how…
COVID-19 BANKRUPTCY RELIEF EXTENSION ACT AND CHAPTER 13 BANKRUPTCY
The COVID-19 Bankruptcy Relief Extension Act was passed on March 27, 2021. The act extends a umber of bankruptcy related provisions contained in the Coronvirus Aid, Relief, and Economic Security…
Discharging Student Loans in Bankruptcy
The number of student loan borrowers is astronomical. There are currently 44 million student loan borrowers owing approximately $1.5 trillion in student loan debt! The total student loan debt has…
BANK ACCOUNT GARNISHED?
Your bank account has been frozen but you don’t know why. Now you find out that the account has been garnished. You have options. It is not the end of…
National Eviction and Foreclosure Moratorium Update
National Eviction Moratorium President Biden signed an executive order direct the CDC to extend its Eviction Moratorium through March 31, 2021. The moratorium was set to expire at the end…
Student Loan Update
Last week President Biden directed the Department of Education to extend the forbearance period on student loans until September 30, 2021, by executive order. So payments are not due on…
Paycheck Garnished?
It’s payday but something doesn’t look right. Your paycheck appears smaller than it should. And, you notice the paystub lists a deduction for Wage Garnishment. It is not the end…
Bankruptcy Fees Increase
Effective December 1, 2020, the Court Fees for filings in Bankruptcy Court increased. The following is a summary of Bankruptcy Court Fee changes: Initial Court Filing Fee due when a…
SUED FOR AN OLD CREDIT CARD DEBT?
Have you been served a complaint for an old credit card debt? What are your options? Do you have defenses? File an Answer You should always file an Answer. …
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