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Last year, the United States Trustee’s Office in New York uncovered a scam that cost Chapter 13 debtors approximately $179 million in excessive fees from their mortgage lenders. It involves “double dipping” of escrow payments. Double dipping is when the mortgage...
The Supreme Court just struck down the federal Defense of Marriage Act (DOMA) in the case of United States v. Windsor. The end of DOMA marks a turning point in how the United States government treats the relationships of married same-sex couples for federal programs...
A Maryland woman, Diana J. Stout. was sentenced to 27 months in jail followed by three years supervised release for making false statements and concealing assets in her Chapter 7 bankruptcy case. She was also ordered to pay restitution in the amount of $155,747. Ms....
The attorneys at Laura Margulies & Associates, LLC have successfully represented many Federal employees and contractors in bankruptcy cases due to our location in the Washington, D.C. area. Most Federal employees or contractors who hold current security clearances...
This articles discusses what debtors can expect at the meeting of creditors. First, the court will set the date, time and location for the Section 341 Meeting of Creditors after the debtor’s bankruptcy case is filed. It will be scheduled to occur at least 21 days...
Although student loans are generally nondischargeable debts under the Bankruptcy Code, current bankruptcy law can provide some relief. And, there are signs of hope for the future. Under § 523(a)(8) of the Bankruptcy Code, student loans are considered to be...
1. Credit Counseling. Section 109(h) of the Code requires that before the case is filed, the debtor must take a credit counseling course from an approved counseling agency. This has been interpreted to mean that even the day of the filing the debtor can take the...