Guest Post: Budget Is Not A Four Letter Word by Jeremy Edmonds of Strength In Numbers Ewww.  That word just stirs up images of restriction, control, and a lack of any fun at all.  Contrary to popular belief budget is not a four letter word.  That four letter word I mean? DIET.  Now diet itself...Read More

The Servicemembers’ Civil Relief Act applies in bankruptcy cases. It provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors. Background The Servicemembers’ Civil Relief Act (“SCRA”) is found at 50 U.S.C. app. §§ 501 et seq. The purpose of...Read More

A proof of claim is a written notice that the creditor – individual or business that the debtor owes – is asserting his/her or its right to obtain a pay out from the bankruptcy estate. This written statement is used as a formal way of notifying the court, the debtor and other affected parties that...Read More

With vacation season in full swing, it’s easier than ever to lose track of a wallet in a winding airport security line, or on a crowded, sunbaked beach. Rather than spiraling into a panic about your wallet taking a vacation of its own, here are some steps to take right away. Report the loss immediately....Read More

Upon filing for Bankruptcy an “Automatic Stay” goes into effect immediately and stops creditors from all collection activity. That means, the moment a Bankruptcy is filed, it automaticall or texty stops: All Harassment Utility Shut-Offs Foreclosures Evictions Repossessions Wage Garnishments Tax Levies Bankruptcy will give you the time to breathe and regroup.  If you are facing these,...Read More

When it comes to debt there are two main types, secured and unsecured. In Chapter 7 and Chapter 13 bankruptcy knowing the difference between both is very important so you can implement a proper plan. Even if you aren’t filing bankruptcy it is still good to know what the differences are between the debts. First,...Read More

If you are over the age of 62 and planning on staying in your own home, a Reverse Mortgage may be for you, and you will want to read this eNewsletter very carefully because recently the Reverse Mortgage Laws have changed. Due to those changes, I sat down with an experienced Reverse Mortgage Consultant to...Read More

Whenever someone comes to see me about issues with their mortgage, the first question I ask is always: “Do you want to keep your home?”  And I always expect a very long answer because there are a lot of considerations when making that decision.  Factors include but are not limited to: Can I really afford it?...Read More

Perhaps mold is a concern because you are purchasing a home and your inspection is soon, or maybe you suspect the presence of mold in your current home. Mold spores are present everywhere we live and breathe.  Mold spores enter our homes through open windows, our shoes from outside, or items we bring inside. It...Read More

Attorney Jay Ruane became a lawyer in October 1998. Since then, he has quickly become one of the Northeast’s most recognized DUI Defense attorneys. Jay Ruane also started his career as a public defender. There, he worked with a complicated docket of 100’s of pending DUI cases. As he developed his skills as a public defender, he realized that...Read More