Posts Tagged ‘Maryland Courts’
Fundacion ARCE
On December 27, 2014, Jeff Scholnick joined Fundaciόn ARCE for a Christmas lunch dedicated for children who are without parents with an emphasis on the Latino community. Jeff Scholnick came together with Janet Arce, the director of Fundacion ARCE and Centro de Apoyo. The children had a chance to remember what it’s like to have a nice Christmas with…
Read MoreCan I file Bankruptcy if I have an ITIN?
Bankruptcy laws don’t require a legal status or U.S. citizenship for a debtor in order to file for Bankruptcy. The U.S. Code, in its title 11 for Bankruptcy, chapter 1 § 109 titled “Who May be a debtor” states that: (a) Notwithstanding any other provision of this section, only a person that resides or has a…
Read MoreHow a lawyer who speaks Spanish can make a difference
I have always believed that I could help the Immigrants in the Baltimore Latino community by speaking Spanish. Therefore, I have spent the last five years studying Spanish on a daily basis. Here is an important example of why this is can be so helpful to my clients. I have a client from Honduras. He…
Read MoreIf you are being sued by a debt collector, make them prove their case! Part Two
Recently, I have successfully defended two defendants in debt collection cases involving old credit card bills. In each case, my clients (the defendants) either did not remember ever creating the debt or being serviced with the suit papers. In both cases we reached favorable outcomes because we demanded strict proof that could not be provided…
Read MoreIf you are being sued by a debt collector in Maryland, make them prove their case! Part One
Recently, I have successfully defended two defendants in debt collection cases involving old credit card bills. In each case, my clients (the defendants) either did not remember ever creating the debt or being serviced with the suit papers. In both cases we reached favorable outcomes because we demanded strict proof that could not be provided…
Read MoreIf you have Federal Loans, what is an IBR, PAYE or ICR?
If you have Federal Student Loans, you may know that IBR means Income Based Repayment. You may also have heard of the PAYE Program, which stands for Pay As You Earn. Or, if you have an older Federal Student Loan, you may have heard of ICR which is the abbreviation for Income Contingent Repayment. These…
Read MoreDON’T COSIGN ON THAT STUDENT LOAN OR CAR LOAN DEBT!!
If you are a parent and your child is going off to college, you will want to help your student through these formative years. However, resist the urge to co-sign on you child’s student loans. Here is the reason- 5 or 10 years from now, when you child is between jobs and cannot make the…
Read MoreHere are a couple of rules to remember when you are considering Student Loans
If you are a young student caught up in the excitement of going off to college, your hubris may prevent you from seeing the implications of the Student Loans for which you are applying. So, remember these two rules and let them guide you in your decision: 1. Only get Federal Loans; do not sign…
Read MoreWhat if I become delinquent on my Federal Student Loans?
Fortunately, if you have Federal Student Loans, you will have options to deal with your delinquency. However, you will need help from an attorney versed in these options to overcome these problems. First, you will need to cure this default. There are two ways to do this: Consolidation and Rehabilitation. Both of these methods will improve…
Read MoreAre my Student Loans Federal or private?
This is a very important question if you have Student Loans that you still owe. It may have been a long time since you took out the Student Loans or the name of the company to whom you are writing the check may have changed. But, this is a very important question to ask. The…
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