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July 2010 Archives

Temporary Loan Modifications

According to Clark Howard beware of temporary loan modifications. This is when a lender might ask you to only pay half of your usual payment for several months. But despite this being the lender's recommendation, some banks subsequently report you as delinquent in your payments. This reflects poorly on banks so even under a temporary modification agreement, you need to verify with the bank - and get it in writing - whether or not you will be reported as delinquent if you choose to go through with it.

10 Brands That May Disappear in 2011

As reported on 24/7Wall St. they have compiled a list of brands that may disappear in 2011 which includes, Kia Motors (they are a part of Hyundai), Readers Digest, Dollar Thrify, Zales, Blockbuster, T-Mobile, RadioShack, Merrill Lynch and Moody's.

Bankruptcy Misconception #7 Taxes

Taxes can't be eliminated in bankrutpcy. Wrong! Many taxes are eliminated in bankruptcy. However, there are several complex rules that apply. Eliminating taxes depends on how old the taxes are, when the returns were filed and whether the taxes have been assessed and the type of taxes. Both federal and state income taxes can be eliminated in bankruptcy. In cases where taxes cannot be eliminated it is possible to force a payment plan on the IRS and stop interest and penalties. Any questions should be directed to an attorney.

Bankruptcy Misconception #6

I am not allowed to have a checking account if I file bankruptcy. Wrong! There is no rule that stops you from keeping or opening a bank account. Most people keep the account that they had and continue to use it without interruption. Sometimes you may have to close an account prior to filing since the bank may be a creditor in the bankruptcy. In general, if you do not owe money to the bank your account is at, there is no need to close the account.

Contact Our Milwaukee Law Firm

Reach Miller & Miller Law, LLC, online or call us at 414-326-9231 to schedule a free initial consultation. Our law office also provides Spanish language services. Se habla español.

To schedule an initial consultation, call 414-326-9231 or contact Miller & Miller today.

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