Click Here To Receive FREE Email Updates!

Archive for June, 2008

Domino’s Securitizes Pizza »

I was looking for the address of Domino’s Pizza Inc., so I could send them notice that my client was filing bankruptcy on a dishonored check. Domino’s is all over the internet and television with ads for pizza and ways to order online. But nowhere do they tell you their address.
So I pulled [...]

E-threats to Your Identity – Phishing »

Phishing is a criminally fraudulent process of attempting to acquire sensitive information including passwords, credit card numbers, and the like.    It typically occurs when you receive an email that appears to be from your bank or an online service (think PayPal or eBay) instructing you to click on a link to provide information to verify [...]

Homeowners or Condominium Association Fees: Nondischargeable, But Maybe It’s Not a Problem »

Section 523(a)(16) of the bankruptcy law, as amended by the 2005 Bankruptcy Reform Act, makes homeowners or condominium association fees nondischargeable, but only if the association fees arose after the date the bankruptcy was filed, and only for so long as the debtor has an ownership interest, or some other equitable interest, in the property. [...]

Bankruptcy Sanctions and the Governments »

Yes, Virginia, even the federal government must comply with your bankruptcy protections.
Congress waived sovereign immunity for the federal government – including our good friends at the Internal Revenue Service !! – in Section 106 of the Bankruptcy Code.
Well, not entirely.  One can sue for actual damages but not punitive damages.  In the First Circuit, covering [...]

Bankruptcy Court Notices Are Not Junk Mail »

Ever get mail that you don’t recognize and immediately “file” it by tossing it in the trash? If it’s a notice from the bankruptcy court, that could be a costly mistake.
As a case in point, I offer you the story of Michelle Brown (not her real name). Michelle filed for Chapter 7 bankruptcy [...]

Credit score for free »

Anyone who had a credit card, student loan, car loan or mortgage between 1987 and May 28, 2008 can get six to nine months of access to their credit report and credit score from TransUnion, one of the big three credit reporting agencies.
This access flows from settlement of multiple class action suits against TransUnion for [...]

Top 5 Changes in Bankruptcy Laws »

In October, 2005, sweeping legislation changed the Bankruptcy Code. Most people rushed to file before these new laws went into effect, simply because they were unfamiliar with the new laws and thought they might not otherwise qualify after they took effect.
By the same token, many Bankrutpcy Attorneys entirely gave up their Bankruptcy Practices instead [...]

Objecting to Claims: Standing 101 »

Objecting to Claims:  Standing 101
It happens every day.  Thousands of proof of claims are filed in bankruptcy cases throughout America by debt buyers, yet most fail to contain any evidence they actually own the claims.  These claims are then paid, despite the fact that such claims fail to comply with the Bankruptcy Rules, should have [...]

Can I Support My College Age Children and Still File Chapter 7? »

Will a Chapter 7 debtor be denied a discharge because he includes a budget allocation for college tuition, rent and car payments for his two college aged children?
In a case decided by Judge Homer Drake of the Northern District of Georgia, the answer is “yes” – discharge denied.

E-threats to Your Identity – Pharming »

Pharming is a hacker’s attack aiming to redirect a website’s traffic to another bogus website.  Hackers redirect a legitimate Web site’s traffic to an impostor site, where you’ll be asked to provide confidential information.  Common targets are ecommerce and online banking websites.  Pharming is used to steal identity information.
To help protect yourself from pharming, you [...]