[print-me]
excess

Trump’s Lackey Trying to Hide Complaints About Banks and Other Big Businesses

Could the CFPB’s Complaint Database Go Dark Because Trump’s Lackey Wants to Protect Big Business? Reprint from Findlaw, By Christopher Coble, Esq. on May 15, 2018 12:59 PM In the wake of the 2007-08 financial crisis, Congress created the Consumer Financial Protection Bureau, an agency tasked with protecting consumer rights when dealing with banks, credit unions, debt collectors, […]

real estate

New Help for Homeowners, Heirs or Spouses

New Help for Homeowners, Heirs or Spouses Two important sets of CFPB amendments to its RESPA and TILA mortgage servicing rules go into effect April 19, 2018. These amendments expand the rights of those inheriting homes, awarded a home in divorce, or otherwise succeeding in interest to a mortgage loan. The rules also offer an […]

$250 fine If You Pass Your Pet Off as a “Service Animal”

Arizona has had enough of people passing off their pets as “service animals”. As of fall, 2018 it is illegal to pass off a pet as a “service animal”; violators will be fined $250 PER OCCURRENCE.  House Bill 2588 The new Arizona law “A PERSON MAY NOT FRAUDULENTLY MISREPRESENT AN ANIMAL AS A SERVICE ANIMAL OR […]

tax liens

What Happens if You Default on a Federal Student Loan?

What can happen if you default on a federal student loan? You are “in default” on your federal student loan if you have not paid in 270 days (approximately nine months).  Your wages can be garnished or your tax refunds seized. How do you stop seizure of your tax refunds?

Chapter 13 Rules in Arizona Change December 1, 2017

Arizona adopted a chapter 13 model plan – effective for all cases filed or converted after December 1, 2017 Local Rules 2084 Chapter 13 Model Plan According to the Arizona Bankruptcy Court the failure rate of those who file their own chapter 13 cases (without an experienced chapter 13 attorney) is over 98%.

Can I Buy a Home After Bankruptcy?

How long after bankruptcy do I have to wait before buying a home? Anyone who either filed for bankruptcy or is considering it has asked “how long before I can buy a new home”?  Attached is a spreadsheet which purports to detail the answer to this question. 

taxes

You Sue & Win, but Pay More in Taxes Than $$ Received. Thanks New Tax Law

I have been around enough not to be overly surprised by lack of common sense from Congress and our President, but the latest revelation makes my stomach hurt. What Now?? With the new Tax Cuts and Jobs Act (TCJA) it is just coming to light that a person injured and later successful in suing must […]

Disabled Can Now Avoid Taxes When Student Loans Forgiven

Forgiveness of Student Loans: The Good News in the 2018 Tax Law: After January 1, 2018 borrowers whose student loans are forgiven due to “total and permanent disability” no longer have to pay federal income taxes on those forgiven loans. 

Help – My Credit Score is Destroying My Life

There is a fairy tale that a good credit score will get you a better life. We know that most fairy tales are fables designed to teach children a healthy respect for rules and society’s expectation.  Some fairy tales were written to scare children to stay away from “bad places”, while others teach children to […]

Copyright: alexlmx / 123RF Stock Photo

Student Loan Debt Mounting Daily

I make over $150K annually and I need to file bankruptcy Query from a new doctor: I am a newly graduated medical professional and single mom. In the past six months I have earned more than 80K. I think this disqualifies me from Chapter 7. Even though I make six figures, I have A TON […]