Student Loans & the Offset of Social Security Benefits

December 18, 2014
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If you are an older individual who took out your student loan many years ago, you may be shocked to learn that the government (but not private lenders) has the ability to garnish your Social Security payments. Social Security benefits are typically protected in other collection matters, but the Debt Collection Improvement Act of 1996 provides: […]

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How Bankruptcy Impacts Delinquent Utility Bills

December 17, 2014
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When somebody begins to struggle financially, it is common for them to fall behind on their utility bills. You may pay the electric bill one month, but have to skip paying your gas and telephone bills in order to do so. When you decide to seek bankruptcy protection, how will your utility bills be handled? […]

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Don’t be a Victim to Harassing Debt Collectors

December 16, 2014
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If you are past due on your bills and debt collectors are starting to harass you, it is important to educate yourself on your rights. The debt collection industry has been widely known to be unscrupulous, but consumer protection laws are allowing consumers to fight back. The Fair Debt Collections Practices Act (FDCPA) is one […]

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Is Chapter 7 or Chapter 13 Better to Continue my Business?

December 15, 2014
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If you own a business and you are considering filing a bankruptcy case, it is important to obtain legal assistance to protect you and your company. Deciding which type of bankruptcy to file depends on how your business is set-up, the amount of assets it owns, and if you want to continue your business after […]

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