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We don’t have Wells Fargo Bank in Hawaii, but we do get Wells Fargo Auto loans here. Wells Fargo CEO fired because of outrage regarding authorized accounts (and fees) being opened for customers. All throughout his Senate hearings, he denied … Continue reading →

President Obama has nominated Merrick Garland to be the new Supreme Court justice. From what I can tell, he is a very middle of the road type judge, noting for liberals to get excited over. So now the question becomes, … Continue reading →

The FTC will be refunding more than $16M in refunds for clients of American Tax Relief. So if you were their customer, you may be able to get some money back for their their false claims to reduce client’s tax … Continue reading →

Some of you have have heard me description of bankruptcy as your very own personal stimulus package. When you file your bankruptcy, you free up money that would have gone to pay creditors to spend of things you actually need. … Continue reading →

For business owners with SBA loans, there is a assumption (incorrectly) that SBA loans can not be discharged. §523 of the Bankruptcy Code is the primary section in the Code which outlines what is and isn’t dischargable. In it, SBA … Continue reading →

So you’ve filed your Chapter 13 bankruptcy and the judge has confirmed the plan. What happens next? Your plan lays out a repayment arrangement you’ve made with the Court for the next 3-5 years. So if nothing unusual happens, you … Continue reading →

If you have been tithing or making charitable contributions, do you need to stop or reduce it when filing bankruptcy? The Bankruptcy Court will generally allow up to a 15% charitable contribution of your net income to your church or … Continue reading →

Chapter 7 is a liquidation, chapter 9 is only filed for municipalities, chapter 11 is for large-scale reorganizations, chapter 13 is for personal reorganization and chapter 15 is for the recognition of a foreign bankruptcy in the US. The bankruptcy … Continue reading →

Debt collectors are regulated by something called the Fair Debt Collection Practices Act. Violations of the FDCPA can entitle you to money damages from collection agencies. How do you cash in? Simply put, the key is record keeping. The No. … Continue reading →

With all the talk about the government shut down on Friday because of the budget impasse, how will this effect your filing? Probably not a lot since most filing are done by ECF (online). For 2 weeks, there shouldn’t be … Continue reading →