It depends.  Payroll or employment taxes are comprised of two parts which include the following: 1.  The employer portion; and 2. The employee portion. The employer portion of payroll taxes can be discharged if the following conditions are met: 1. More than three years between the date the 941 tax return was due and the…

I receive a lot of calls about garnishments.  Many people are concerned that a creditor or a collection agency can garnish their bank account or wages.  The one thing you have to remember is that a Garnishment is not allowed until a court has entered a Judgment against you.  No creditor or collection agency can…

If you get sued by a creditor you will receive a Complaint either by personal service or by certified mail.  If you are personally served with a Complaint, you have 21 days to answer the Complaint.  If you are served by certified mail, you have 28 days to answer the Complaint. To prepare your Answer…

Generally, a bankruptcy should have no impact on eligibility for federal student aid.  However, most bankruptcies will impact the eligibility for a private loan.

All home owners should be cautious in dealing with any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan.   The scam artists will attempt to require a fee in advance.  Often in the majority of cases, the scam artists never perform any work and simply steal your money….

You are entitled to a free credit report once a year from each of the three major credit reporting agencies including:  Equifax, Experian and TransUnion.  You can order your free credit report by mail at: Annual Reporting Credit Report Request Services P.O. Box 105281 Atlanta, GA 30348-5281 -or- You can contact them by telephone at…

I put together this list of the more common terms that you might run across in your bankruptcy. Don’t hesitate to call me anytime. Don’t suffer in silence. Abandonment – A disclaimer of any interest by the trustee or debtor in property that is burdensome or of inconsequential value. Administrative Claim (Or Administrative Expense Claim)…