As a Florida foreclosure defense attorney, I am a little annoyed with media reports that “we seem to be pulling out of this foreclosure crisis” because this month has fewer foreclosures than last month. Before 2005, only Wall Street knew what a “subprime” mortgage was, but by 2007, Main Street learned about this domestic terrorist [...]
November 2009
New York City has noticed the percentage of people paying cab drivers with a credit cards has risen dramatically in the past two years. The question is whether the use of credit cards has risen for convenience purposes or because of the economy? Other cities have been slow on the take, and they have not [...]
Funny how legal issues seem to pop up in clusters on my desk: three different clients sent me their annual escrow analysis howling. Each of them was looking at an increase in their monthly payment of over $1000. Each of my clients is currently in a bankruptcy proceeding, so we’re lucky in a way. We [...]
The first question for a business owner considering bankruptcy is: do you have the time, energy, and desire to continue ? (Read the other four questions for struggling businesses). Entrepreneurs are the most optimistic, hard working, and determined individuals in the world. Often my task is to puncture their irrational optimism: they are convinced that [...]
The headlines yesterday all carried the same story. The Health Care Bill passed by the House of Representatives died. Life support cannot save this Bill. So, why did our elected officials go through the motions knowing that the Bill did not have a chance of passing in the Senate? Do you think they already knew [...]
What is a Pay Advice? A pay advice is any document that provides written evidence of your income. The most obvious example of a pay advice is a pay stub, but a pay advice can also be a printout of your income and withholding from your employer. In fact, more and more often I will [...]
