• SBA issues rules and guidance regarding the amended Paycheck Protection Program. The Flexibility Act: legislation signed June 5 lowered to 60% from 75% the minimum percentage of PPP funds borrowers have to spend on payroll [...]

  • Who knew that I was a leader in providing knowledge to others (now called “Democratizing Knowledge)!! An article on Wired, Natalie Chyi, focuses a light on how COVID-19 has changed the prospective of on sharing [...]

  • This is a difficult time for everyone – employer, employee, parents, and seniors.  Never decide to do something without understanding the consequences of those innocent actions. We all know it [...]

  • Published On: April 30, 2020

    lawyer, retired law professor, educator, wife, mother I could tell you how bankruptcy may change your life, but why would you listen to me? After all, I am the attorney who charges money [...]

  • The following is a guest post – by Gary R. Stickell, a great Arizona bankruptcy attorney and my friend and mentor for more than 20 years. COVID-19 and CHAPTER 13 BANKRUPTCIES Most, if not all, [...]

  • LAWS THAT PROTECT THE BORROWER – UNTIL THEY DON’T. DEBT COLLECTORS TRICK CONSUMERS INTO BRINGING DEAD DEBTS BACK TO LIFE. There are legal protections for the consumer if a creditor does not take steps to [...]

  • Download the audio LAWGITIMATE Attorney Diane Drain and Bobby Zavala with University of Dubuque Diane Drain established her law firm in 1991 in order to provide education for those facing financial troubles. She [...]

  • Disable Vet’s Income Not Offered Any Protection in Bankruptcy – until now! It only took 15 years, but Congress finally decided that disabled vets should have some of the same protection as those on Social [...]

  • Published On: September 23, 2019

    Debt isn’t fun at any age, but it can be especially scary for senior citizens. Seniors normally don’t have regular paychecks coming in, and the bulk of their income may comprise of Social Security checks. [...]

  • There are Rules Governing Debt Collectors Debtor collectors are not allowed to call you before 8 am or after 9 pm (your time zone, not the caller’s).  They cannot yell, swear, use crude language or [...]