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When Legal Matters Become Personal
When you buy into a condominium or townhouse, you will be subject to an association, whose fees, bylaws and rules “run with the land.” By operation of the agreement itself, if you fail to pay the dues (or any additional amounts that are assessed) they become a lien...
This is a big one. 143 million people had their social security number and credit card info stolen. It is bigger than the Target breach, and while not as big as the Yahoo breach, they have a lot of your info. Nobody is immune, unless you have no credit. Even if you...
The three major credit bureaus recently decided to stop reporting judgments on credit reports. This is due, in part, to the difficulty in providing accurate information. It is easy for them to gather the information when a judgment is docketed, but when a satisfaction...
I have just penned my first book about bankruptcy basics. To download it, fill out your email address below and it will direct you to a downloadable link.
I don’t simply assume that anybody with debt issues needs or wants to file bankruptcy. In fact, some people shouldn’t file bankruptcy, or they want to try alternatives before filing. For those considering the advantages and disadvantages of bankruptcy, versus other...
The decision to file bankruptcy requires consideration of the pros and cons. My new debt resolution comparison chart is a good place to start when considering the alternatives, and whether bankruptcy is the best fit. There are certain negative ramifications of filing...
Everybody knows that under Minnesota law, you need to have insurance on your car, and that driving without insurance can result in criminal citations. One of the remedies that not a lot of people understand, is that if you cause an accident (or even if you are the...
The Department of Justice recently did its semiannual adjustments of the median income figures, which are effective in bankruptcy case is filed after April 1, 2017. The median income is an important figure, as debtors below that figure are almost always assured a...
My last blog post suggested five things to do when considering bankruptcy; I wanted to start out being positive, and the things not to do are probably more important. The first three tips concern keeping your family out of your finances. While it is perfectly normal...
Most people, by the time they start thinking about bankruptcy, have exhausted other options. Many times people find themselves in a situation where they may or may not be able to dig themselves out of a financial hole, depending on future contingencies, most typically...