Tax Debt and Innocent Spouse Relief

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Ir you have filed jointly with your spouse and your spouse owes the RIS money, you will receive notices too. This often happens when your spouse owns his own business and files a schedule C. But sometimes if your spouse prepares the tax return, you may not know why you owe taxes or what the … Continued

BEHIND IN HOMEOWNERS ASSOCIATION FEES? YOU CAN FACE FORECLOSURE!

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Considering COVID19 and its detrimental effects on individuals’ finances and livelihoods, many states and jurisdictions have ordered temporary freezes on residential foreclosures and evictions.  In addition, courts have been closed to the public postponing many (if not all) court hearings and legal matters overall.  Orders generally state that foreclosure actions can not be initiated due … Continued

RECENTLY UNEMPLOYED DUE TO COVID? HERE’S POTENTIALLY WHY AND WHERE YOUR SALARY HAS GONE.

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Tens of millions of American employees have become unemployed during the Covid pandemic.  Others have had their hours cut and/or had to take on risky essential jobs.  On the opposite end of this spectrum are people that are doing extremely financially well at the expense of the unfortunately unemployed.  Corporate CEOs are thriving, earning over … Continued

Don’t give up after a Social Security Disability Denial.

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If your initial claim for benefits was denied, you have only 60 days from you denial to appeal. You may not want to hire a lawyer to appeal. But instead of going it alone, get some help. My booklet, Helpful Suggestions for Appealing a Denial of Benefits offers more than 20 practical tips to help … Continued

AM I ELIGIBLE TO FILE A CHAPTER 7?

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Even if you think you have a lot of debt, you may not be eligible to file a Chapter 7 and walk away from it. WHAT IS THE MEANS TEST? To file a Chapter 7 bankruptcy, your household income over the last six calendar months cannot exceed the median income for a household the size … Continued

Tips for dealing with shutdown

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As the COVID-19 pandemic shut down continues, mental health is deteriorating as what we thought would be a 2 week even drags on. During this ordeal, although you are not in the office or maybe no even working, did you ever think to yourself “I need a vacation.”  You are not alone the phrase is … Continued

Dealing with Credit Card Debt during Covid 19

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Over 110 million Americans have credit card debt with past due balances. As if Covid19 has not been stressful enough, the weight of this extra debt with either a loss in income or an uncertainty about future income can be overwhelming. While bankruptcy can help with that by potentially wiping it out, here are some … Continued