The first student loans, per se, were given by Harvard University to its own students in 1840. At that time, Harvard was a private single-sex educational institution and its students were all male.Over one hundred years later came the GI Bill in 1944. This gave World War II veterans access to free education.Sparked by the...Read More

In honor of International Pineapple Day on June 27th, I wanted to share this great Consumer Tip especially as we are going into a holiday next week and you can make this treat to bring to any cookout without breaking the bank. Enjoy a slice of the tropics for under $10…with this Two-Ingredient Pineapple Angel...Read More

There are several types of bankruptcies available to individual people and business entities. Let’s analyze each one here in a 30,000 foot overview and then in future articles we will take a deeper dive. CHAPTER 7: This is my favorite chapter and also the one I personally filed in 2009. It gives the debtor (the...Read More

As summer approaches, middle and high school students can choose from catalogues of camps that promise to improve everything from language skills to layup shots. Federal court camps prepare participants to be informed and engaged citizens in every walk of life, and at no cost. “We view the summer camps at our federal courthouses in...Read More

November 17, 2022 GUIDANCE FOR DEPARTMENT ATTORNEYS REGARDING STUDENT LOAN BANKRUPTCY LITIGATION Introduction This memorandum provides guidance (Guidance) to Department of Justice (Department) attorneys regarding requests to discharge student loans in bankruptcy cases. Developed in coordination with the Department of Education (Education), this Guidance will enhance consistency and equity in the handling of these cases....Read More

Each year, individuals in the bankruptcy process seek to discharge student loan debt in order to get the “fresh start” envisioned by the bankruptcy code. Congress has set a higher bar for discharging student loan debt compared to other debt—debtors who seek to discharge student loans must prove in a separate “adversary proceeding” that paying...Read More

Black’s Law Dictionary defines the term “Bankruptcy” simply as insolvency. I often explain to my clients that it basically means you owe more than you are worth. People who owe debts and file for bankruptcy protection are called “Debtors.” The people and companies that are owed the money are called “Creditors.” They say the word...Read More

Bankruptcy is public record. Fortunately, it is not easily accessible to the general public as someone looking would have to go to the Clerk’s Office or register on the PACER online system to look up the information. It does report on your credit report for 7 to 10 years (depending on the credit reporting bureau)...Read More

The Justice Department announced today that Attorney General Merrick B. Garland has selected Tara Twomey to serve as Director of the U.S. Trustee Program (USTP) at the Department of Justice. “The United States Trustee Program plays a critical role in ensuring the fairness of the bankruptcy process — including by providing impartial oversight and protecting...Read More

Consumer Tip: Make once, eat twice! Sheet Pan Chicken Fajitas…a great meal to make on a weekend and enjoy again for quick lunch or dinner during the week. Ingredients: 2 lbs. of Chicken Tenderloins 3 Bell Peppers of any color 1 Yellow Onion 1 Lime 2 Packets of Fajita Seasoning Olive Oil Directions: Preheat oven...Read More