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

Maintain your Business Records

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It is the dread of almost every business owner – keeping their business records in order. Yet it is a necessity. What do you really need an a second’s notice that should be in a separate folder: Your organizational records: Your articles of incorporation is you are incorporated, your entity registration, your EIN number, your … Continued

4 Questions to Ask Before Filing for Bankruptcy

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It is important that you ask the right questions prior to filing bankruptcy. Below are important questions you should ask when considering whether to file. SHOULD I FILE BANKRUPTCY? Only you can answer this common question. While an attorney can explain the pros and cons of filing a bankruptcy and tell you which way they … Continued

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