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The Coronavirus pandemic and home quarantine has been a long haul. With businesses reopening, people are going back to work, and the economy improving, Americans are slowly getting back to normal life. This inspires confidence in many however there is a dark side to this progress in that ALL businesses and operations will soon be … Continued
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
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
Right now, as the numbers of coronavirus victims continue to mount, we have to face our own morality. Whether it be soon or hopefully years from now. We have to plan for the worst. This goes not just for those in the “senior” category, but for all of us, no matter our age. We need … Continued
As we struggle through this pandemic, many of us have gotten a break. Foreclosures have been delayed, evictions have been delayed, lawsuits have been delayed, and credit card companies have offered to let you skip your payment. Unfortunately all that does is buy you a little time. Interest is still being added and someday whether … Continued
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
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
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
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
For taxpayers under an existing Installment Agreement, payments due between April 1 and July 15, 2020 are suspended. If you can’t pay the terms of an Installment Payment Agreement, you may suspend payments during this period. The IRS will not default any Installment Agreements during this period. But, interest will continue to accrue on any … Continued