CLIENT is 53. She has two sons who are just entering college. She divorced ten years ago. Ex-husband does not pay spousal or child support but left her with the…
IN February 2011, Michael Rodman signed up on Safeway.com to buy his groceries online and have them delivered to his home for an additional delivery fee and fuel surcharge. After…
• AMOUNT of exclusion. When you have gain from the sale of your home, you may be able to exclude up to $250,000 of the gain from your income. The…
WHEN people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think…
HERE 10 tips if you owe but cannot immediately pay the IRS: • Pay What You Can: Pay promptly to stop additional penalties and interest from accruing. If you are…
FOR both children and adults with special needs, dental care can be challenging. In some cases, limited coordination can make brushing and flossing tricky. In other cases there may be…
“ Chapter 13 does not exclude or kill the loan modification process. In fact, Chapter 13 enhances debtor’s chances of successfully resolving her claim of fraud with the bank. Under…
RAYMOND Adame was a machine mechanic for Alcoa Fastening Systems and has worked there for more than 30 years. He was seriously injured at work and had to take a…
A LOT of people who consult with me about their debt problems are going through the worst time of their lives. Unlike other problems in life that sometimes just go…
Practically everyone knows that the good times of loan modification are going to end next year. Loan modifications under HAMP are set to expire December 31, 2016 after several extensions….
It is common for field workers like service technicians to drive company vehicles to the customer’s home or place of business to service or install a product. Generally, an employee’s…
IF you paid someone to care for your child, spouse, or dependent, you may be able to claim the Child and Dependent Care Credit on your federal income tax return….
Are you facing a mountain of debt and don’t know what to do in order to avoid getting buried? Debt problems can wreak havoc on your personal life in many…
Senior seeks Chapter 7 relief for $5K debt “ Don’t throw away your hard evidence. Gather them and compile them into an easily readable format so that in case you…
Q: I RECENTLY heard from a friend who sued her employer for unpaid wages. However, the court threw out her case and she had to go to “arbitration.” She said…
MARRIED couples buying property are asked to decide how they should hold title: • Joint tenancy or • Community property. Basically, it is a choice between the ease of transfer…
EVERY day, I meet with couples who are deeply in debt. In a lot of cases, I can feel the stress level that they are experiencing while the couple is…
FOR 2015 INCOME TAX RETURN IT’S the last quarter of 2015 and in a few months during income tax season, you would want to minimize any income tax dues as…
Senior seeks discharge of $40K credit card debt CLIENT no. 1 is 55 years old. She is now divorced and living by herself. The divorce judgment gave her the marital…
Q: I HAD to take a few weeks of medical leave from work because I had to undergo a heart procedure. I gave my employer my doctors’ notes. When I…
WHEN buying real estate, there is always that inevitable question: how do you hold title? Remember that your choice can have dramatic impact on estate taxes, liability protection, heirs, family…
IF you are facing the prospect of filing bankruptcy for the first time in your life, this could be a frightening process. You probably have a thousand questions going through…
WHEN dentists see emerging wisdom teeth are going to cause dental problems, wisdom tooth removal is likely in the cards. Wisdom teeth–also known as the third molars–received their nickname because…
MEDIA coverage on IRS abuses and subsequent tax laws put pressure on the Service to revamp the Offer in Compromise (OIC) program for taxpayers who could not pay their tax…
Q: I WORK as an on-call employee for a healthcare facility. My employer often calls me to report for duty but when I arrive to work, my assignment is cancelled…
THIS week, the truth of this statement struck a chord with a prospective client who came to me for debt help. Keep reading as this may be the most important…
TWO different clients both landlords because they both own rental properties came to see me last week with different problems. The conventional wisdom why people buy rental properties has two…
ON June 30, 2015, the California Governor signed into law designating October 25 every year from hereon as Larry Itliong Day. Who is Larry Itliong and why does he matter?…
AN offer in compromise (OIC) allows you to settle assessments for tax, penalties, and interests at less than the assessed amounts. You can apply for an OIC if there is…
CREDIT cards can be convenient and handy especially in times of financial emergencies but when the accumulated debt gets out of control, it can lead to long-term financial stress. Some…
