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Public Service Loan Forgiveness
The Public Service Loan Forgiveness Program forgives the balance remaining on certain types of loans if they have been consolidated into...


Teacher Loan Forgiveness
A full time teacher who has a Direct Federal Student Loan or Federal Family Education Loan (FFEL) can be forgiven in amounts up to....


Total & Permanent Disability Discharge
In order to qualify, the borrower must show they are totally and permanently disabled. There are three ways this can be established...


What to Know When Hiring a Contractor
Given the amount of time and money involved, hiring the right contractor for your home build or remodel project, no matter the size of...


What is a Change Order?
It’s not uncommon in the course of a home construction project for changes to be made to the contract’s scope of work.


Risks of Hiring an Unlicensed Contractor
It is human nature that we usually seek to get the lowest price under the assumption that low price equals good deal. Sometimes though,...


Mechanic's Liens
Mechanics' liens exist to protect two general categories of workers or suppliers, prime contractors and subcontractors.


How to Write a Construction Contract
Making a construction contract is very important for people that are planning to construct any kind of building, be it a home or commercial


Homeowners and Contractors: Read This Before Starting A Home Improvement Project
It behooves all parties involved for their mutual protection to create as thorough a document as possible, spelling out in specific terms...


Mechanics Lien Deadlines
If you’re a contractor or sub-contractor, a mechanics lien is the best way to preserve your right to payment should you find yourself...


Transferring Investment Property to a LLC
In order to protect personal assets from being sought and claimed in a subsequent legal action, it is prudent to transfer the investment...


Seller's Rules of Disclosure
When it comes to purchase and sale of residential realty, there are a few legalities that do need to be taken into consideration and this is


Reverse Mortgages and HECMs
Reverse mortgages offer the user a lot of advantages and in some cases can and is a real life saver for the homeowner.


Bankruptcy: Exemptions and Exceptions
If you are thinking of filing for bankruptcy, contact our legal offices to discuss how you can maximize your exemptions.


Eliminating Second Mortgage via Bankruptcy
Although a lot of people think the best option that they have is to surrender the realty or the home which they purchased a long time...


Role of a Bankruptcy Trustee
Many people who are contemplating filing bankruptcy ask the question, what exactly is the job of the bankruptcy trustee? Is he my friend...


How to Qualify Under the Means Test
The principal provision of this Congressional enactment was the addition of a “means test” designed to prevent higher income earners from...


Will I Lose My Home if I File for Bankruptcy?
The answer to this question depends upon a number of factors. The first of which is, what chapter bankruptcy is contemplated i.e.,...


Bankruptcy Intake
TIP #1 – Reassuring the Debtor One of the most common concerns the debtor has (when inquiring about how the bankruptcy process works) is...


Bankruptcy Means Test
The “means test” is a formula designed to keep filers with higher incomes from filing for Chapter 7 bankruptcy. Only bankruptcy filers...
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