The New Year has passed and New Year’s Resolutions seem a distant memory. However, one resolution needs to be revisited – wiping out or managing your debt. If you are stressed out by the inability to keep up with your credit card bills, your house payments, your personal loans, and the like, there is something […]
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Blogs
New Developments in the Credit Score World for 2019
Starting in 2019 consumers will have the opportunity to provide to Experian additional information to the company via their cellphone and utility history in order to bolster and mitigate their credit history. This will help many consumers seeking to repair their credit after a bankruptcy, or repairing troublesome credit, as well as assisting others who […]
RECOVERY OF GARNISHED WAGES AFTER FILING A CHAPTER 7 BANKRUPTCY
Its very commonplace for a client to visit a bankruptcy attorney. when he or she is about to be garnished by the employer. The client ultimately files a Chapter 7 and wipes out all of his dischargeable debt, generally credit cards, loans and credit card bills. How about the garnishment monies taken prior to the […]
2, 4, 6, 8 | Rules for Refiling a Bankruptcy
There are many reasons why you might need to filing a Chapter 7 or Chapter 13 bankruptcy a second time; but, you need to know the rules of the road with the help of a knowledgeable and solid bankruptcy attorney. 2 Year Rule This applies when you have successfully completed a Chapter 13 (you received […]
Good News for a Short Sale Option- The Extension of the Mortgage Forgiveness Debt Relief Act
If you have completed a short sale during 2015 or are contemplating a short sale in 2016, there is good news. The Mortgage Forgiveness Debt Relief Act recently passed by Congress in December and signed into law by President Obama forgives any cancellation of debt in both 2015 and now in 2016 as a result […]
Bankruptcy Documents Get a Real Overhaul
Effective December 1, 2015, the bankruptcy forms get a serious overhaul. In an effort to simplify the forms and provide an easier forum for pro se debtors (debtors filing without the benefit of an attorney) to file a bankruptcy, the forms underwent major revisions. However, as they say, the best of plans are often led […]
THE SECRET INCREASES IN NEW YORK STATE EXEMPTION
It is commonly asked by prospective bankruptcy clients if they will be able to keep their primary residence while filing a Chapter 7 or in the alternative whether they need to do a Chapter 13 to accomplish the same. So much depends upon the value of the property, the mortgage payoff(s), and the exemption permissible […]
Obama’s Loan Modification Program Gets a Bad Report Card
A recently released study by Cristy L. Romera, as reported in the New York Times, charged by the government to monitor the progress of government loan modifications, has announced that 72 percent of applications by borrowers have been rejected. Citibank, Chase, Bank of America and Wells Fargo, are amongst the worst offenders. Their percentage rejection […]
Changes Proposed to Shorten Foreclosure Time Process in New York
Individuals who are seriously delinquent with their mortgage payments or for those who have actually received that thick packet of foreclosure papers have one very important concern. They want to know how long they have to live in their house before they am thrown out. In New York it takes an average of over 900 […]
Extended Foreclosure May Result in Lender’s Loss and Borrower’s Gain
For years many lenders have started foreclosure actions but have failed to conclude the legal matter. Some foreclosure defense attorneys are using the statute of limitations as a defense for which six years may have elapsed since the mortgage lender has declared the loan immediately due and payable, also known as acceleration. The New York […]