New Exemption Laws in New York State
Jul 22, 2010
Homestead Exemption(s) After being changed in 2005 the law is dramatically changed again. If you live in kings, Queens, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester or Putnam counties the...
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Health Law Impact on Taxes
Jun 04, 2010
Penalties on individuals Individuals who are not insured will pay a yearly penalty of $695.00, or two (2%) percent of their income if they cannot show that they have purchased a government approved h...
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The Restoring American Financial Stability Act S.3217
May 25, 2010
Forced Arbitration A provision that allows the SEC and the CFPB to restrict and/or ban the unfair practice of forced arbitration in investor contracts and financial service contracts respectively. Hi...
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Reaffirmation Agreements
May 25, 2010
What is Reaffirmation? You filed bankruptcy to get rid of debt, but there are some long term debts that constitute a lien on property that you may want to continue to pay so you can keep the property...
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Ten things to think about before using your credit card
May 24, 2010
Establish a realistic budget. Most people get in truoble with credit cards because they lose track of their spending and pay only the minimums each month. Pay cash for a while so you understand just...
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Ten Things to Think About Before Getting a Credit Card After Bankruptcy
May 23, 2010
Don't apply until you are ready! Bankruptcy may not have solved all of your financial issues. Don't get the new card, even if you can, until you can pay off all balances. Avoid Too Many Cards! You w...
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Loans to Avoid After Bankruptcy
May 23, 2010
Payday Loans Some "check cashers" and finance companies offer to take a personal check from you and hold it without cashing it until your next pay day. In return they will give you an amount of cash...
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Beware of Credit Card Offers to Recent Bankruptcy Filers
May 23, 2010
"Disguised" Reaffirmaton Agreements With the banks and collection agencies still suffering from the financial meltdown they are going to extremes to make debtors repay the credit cards that were disc...
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How to Test Your Theory of Civil Rights Abuse
Jan 14, 2010
Testing "Testing" means that you are going to have someone seek the employment or try to rent the apartment you were denied because of an alleged illegal bias. If you think you have been the victim ...
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Fixing Student Loan Defaults
Jan 06, 2010
What kind of loan is yours? There are two basic kinds of student loans and you will want to know which one you have before you start the analysis. Do you have a private or a federal loan? Knowing y...
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