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Bankruptcy

Manos Legal Services > Bankruptcy

4 Inexpensive East Coast Destinations to Travel to With Your Family

[ad_1] It’s amazing how things change when you have kids. Before kids, weekend getaways and trips were fairly easy. When we needed to take a break, I remember we could look at the calendar and twenty minutes later, have a few dates to run by work for time off.  Even the destinations would already be top of mind and after looking for deals on travel sites and asking around, we’d settle with whatever had the best price. Pretty easy. Fast forward a few years and now we’re parents of an eight-year-old and a four-year-old.   Those first few years with our little ones...

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When It’s Right to Do “Nothing” for Your Portfolio

[ad_1] One of the biggest tests for investors — and, for savvy investors, one of the biggest opportunities — is how they behave when the market gets rocky. There are essentially two things every investor can do when the market suffers a downturn. These might sound oversimplified, but it is important to distill these options as far as possible:They can do something. They can do nothing.As the SVP of Investments at Fundrise, I interact with people building strategies around their financial futures every day, and the happiest investors generally (in terms of panic, stress, and overall returns) are the ones in the latter group:...

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Judicial Estoppel: Medical Malpractice Claim Survives Omission From Bankruptcy Schedule A/B

[ad_1] A chapter 7 trustee was allowed to pursue a medical malpractice claim that the debtor had failed to list in her papers, even where the trustee and the debtor had agreed to split the lawsuit proceeds. In this New Hampshire case, Alward v. Johnston, 2017-0080 (N.H. Dec. 21, 2018), the state’s supreme court disagreed with other courts that the debtor’s conduct in omitting the asset should be imputed to the bankruptcy trustee. The chapter 7 debtor had consulted with two different law firms before filing bankruptcy. Each firm declined to help her pursue a malpractice case based on failed back...

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#BlackWomensEqualPayDay How To Understand And Improve Black Women’s Pay

[ad_1] Black Women’s Equal Pay Day is deliberately separate from the Spring Equal Pay Day. It is held at this time of year as it marks the amount of additional time it takes for a black woman to earn the same amount of income a man earned the previous year. Though we see Black and African-American women succeeding in entrepreneurship endeavors, job security and homeownership, a large number of people are unaware of the pay gap that exists. Lean In, an organization committed to creating equality for women worldwide, conducted research in partnership with the National Urban League. It was discovered...

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Can I File Chapter 13 if I am Self Employed?

[ad_1] Can you file a Chapter 13 debt consolidation case if you are self employed? Yes, you can but expect the process to be more difficult, burdensome and expensive than it would be if you are a salaried employee. Chapter 13 works best when your income and expenses are steady and consistent. When you file Chapter 13 you will be proposing a repayment plan to the bankruptcy judge. Your plan modifies the rights of your creditors and it must meet all the requirements of the bankruptcy code. When you file your case, a Chapter 13 trustee will be assigned to verify the...

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Unique Little-Known Ways to Find Grants And Scholarships

[ad_1] College isn’t getting more affordable, and student loans affect millions of people every year. One way to avoid that? Apply for more scholarships and grants to reduce the cost of tuition. But applying for these can be difficult, time-consuming and overwhelming. Many scholarships are for small sums and don’t seem to be worth the effort it takes to apply. Some students just get too tired at the end of the year to care. The trick is finding little-known scholarships and grants that other students don’t consider. Here are our best tips on finding these scholarships and having your application approved. Ask Advisors...

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Veterans & Bankruptcy: Do I Lose My Benefits if I File Bankruptcy? NO!

[ad_1] Do you ever wonder how bad rumors get started?  Bad headlines don’t help. Congress is considering the Honoring American Veterans in Extreme Need (HAVEN) Act.  Part of the HAVEN Act will correct an injustice suffered by many U.S. vets who receive service-related disability income.  In bankruptcy law, if you receive disability from Social Security, it is not “counted” in the Means Test.  But if the disability check comes from the military, then it does count.  Even though veteran benefits have all the same protections as Social Security otherwise.  That’s not fair.  The HAVEN Act, among other things, intends to correct...

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Here Is How To Pay Off Student Loans In College

[ad_1] The student loan crisis has reached a fever pitch. It’s become a national epidemic, one that reached $1.5 trillion in 2018. Paying off student loans is a rite of passage for twenty-somethings, one that often begins just a few months after college graduation. But for some students, making payments in college is possible. Even if you think you can’t contribute much, making payments before you graduate can reduce your total interest and decrease your overall loan burden. Paying off student loans in college isn’t as difficult as passing Econ or finding out why your ex ghosted you. Read below to find out...

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Consumer Commission – Student Loan Discharge Recommendations

[ad_1] The American Bankruptcy Institute’s Commission on Consumer Bankruptcy issued its final report last week.   This is the first in a series of articles about those recommendations.  To see more information about the Commission, follow this link. As a commissioner, I can tell you that the subject of student loans in bankruptcy was probably the single most popular topic of suggestions to and discussions  within the Commission. And the Commission took that to heart. Most critically, we recommended bankruptcy law be re-written to allow for more student loans to be discharged — or paid — in bankruptcy cases.  The very first...

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Credit Card Reviews: Best Credit Cards for Students

[ad_1] From the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.   College is a wonderful opportunity to try out and learn new things. From the classroom to the quad, life lessons lie around every corner. One class that you should not skip is “building...

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