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STUDENT LOAN FORBEARANCE WAS SET TO END ON JANUARY 31, 2022 ! On December 22, 2021 the US Department of Education announced a 90-day extension of the pause on Federal Student Loan repayment, interest, and collections through May 1, 2022. REMEMBER!! THIS IS ONLY FOR FEDERAL STUDENT LOANS! Since March 2020, payments, interest, and collection efforts on Federal Student Loans have been suspended. The repayment deadline was extended several times. President Biden stated, "We know that millions of student loan borrowers are still coping with the impacts of the pandemic and need some more time before ..read more

Chapter 13 Bankruptcy is for individuals with regular income to develop a plan to repay all or part of their debts. How does it help? ⁠ Stop Foreclosures⁠ Stop Sheriff Sale ⁠ Stop Wage Garnishment⁠ Stop Bank Levies⁠ Stop Collection Activity ⁠ Stop Repossession ⁠ Stop Lawsuits⁠ ⁠ How do they stop ❓ ⁠ ⁠ By the AUTOMATIC STAY ❗❗❗❗⁠ ⁠ Immediately after a bankruptcy case is filed, an injunction (called the "Automatic Stay") is generally imposed against all creditors who want to start or continue taking action against a debtor or the debtor's property.⁠ ⁠ As long as the stay is in effect, creditors ..read more

THE LAW OFFICE OF EDWARD HANRATTY ⁠ ⁠ IN THE LAST 2 YEARS WE HAVE ELIMINATED $663,650.00 in Student Loans ❗❗ ⁠ ⁠ Lets add your eliminated loans to the list ❗⁠ ⁠ Let us represent you on resolving your student loan debts ❗⁠ ⁠ ☎️Give us a call today ! (732)-866-6655 ..read more

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Before the COVID-19 emergency, there were two ways to delay with past due mortgage payments that did not necessarily involve bankruptcy. One: mortgage modification, where the borrower and lender agree to change the terms of the mortgage permanently to allow the borrower to get current on the past due mortgage payment, or two: deferral, where the lender agrees no payment will be due for some set period of time, and then the payments written out in the original mortgage will then begin again, along with any deferred amounts. Since the COVID-19 emergency, government backed mortgages, mortgages in ..read more

Its also a pretty useful article, so worth the time to read it if you want to know how many times, or when, you can file bankruptcy. https://www.bankrate.com/finance/debt/chapter-13-an-option-even-after-chapter-7 ..read more

If a town suspends your drivers license or does not erase traffic fines after your bankruptcy , the town can be sued for money. Read this case we just won ..read more

1.You are being sued over a debt, evicted or foreclosed or have the car repossessed. This is when red lights should be flashing. The creditor has exhausted all of its patience to settle the debt or make a payment arrangement and is going to evict you, take the house or take your paycheck to pay off the debt. Maybe all 3. 2. Can you resolve, either pay off, or settle, the debt that is most pressing in the next 6 months. If you can resolve the most pressing debt in the next 6 months, you should do it. Use the money you would spend on a lawyer to do that. However, if you can’t, the likelihood is ..read more

Some more bankruptcy education: Who is the bankruptcy trustee in a Chapter 7 or Chapter 13 bankruptcy? What do they do? In every case under chapter 7 or chapter 13 of the Code, a person called the trustee is appointed by the bankruptcy court. The trustee’s job is to represent the interests of the unsecured creditors. That means that all the creditors who lent money to the debtor but did not get security, a mortgage, a car note, etc., but rather only got a promise to repay, are represented by this one person, the trustee. So not every creditor needs to get a lawyer. The trustee’s job is pretty ..read more