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Blog Posts in 2011

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Holiday Hours for December 2011 - January 2012

Holiday Hours for December 2011 – January 2012 Have a great holiday everyone. We will be out of the office on December 23 – December 27, 2011 And December 31 – January 2, 2012. As ...
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Phone System Error - 12/19/11

Phone System Error – 12/19/11 There was an issue with the phone system this morning that had briefly prevented us from receiving incoming calls. The problem has been resolved. I am sorry for any ...
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Common Question -- Is there a minimum debt in bankruptcy?

Common Question -- Is there a minimum debt in bankruptcy? No. There is no minimum or maximum debt in bankruptcy. I believe the confusion comes from debt negotiation/settlement companies that advertise ...
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Self Employed Individuals Use Net income not Gross income on form 22C, Means Test

Self Employed Individuals Use Net income not Gross income on form 22C, Means Test The US Bankruptcy Court for the District Court of Puerto Rico recently ruled in In Re: Roman (2011 Bankr. Lexis 4483) ...
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Stop Foreclose - Fees for Chapter 13 Bankruptcy

Stop Foreclose – Fees for Chapter 13 Bankruptcy Filing of a bankruptcy petition will instantly stop the foreclosure on your home. Often we are asked, how much is the fee? The standard pre-filing ...
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We now accept debt cards!

We now accept debt cards! We are excited to announce that we now accept debt cards for your fees and expenses. You may also sign up for recurring monthly processing. Please remember that we cannot ...
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My home has been sold at foreclosure - Is there any way for me to get my house back?

My home has been sold at foreclosure – Is there any way for me to get my house back? Maybe, but the road in front of you will be an uphill battle. First, the best situation is to contact a ...
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No hidden fees - Here is our fee schedule for Simple Chapter 7 Bankruptcy Cases in Worcester County

No hidden fees – Here is our fee schedule for Simple Chapter 7 Bankruptcy Cases in Worcester County It should be noted that all cases are different and several factors can increase or decrease ...
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Holiday Foreclosure Moratorium.

Holiday Foreclosure Moratorium. Fannie Mae and Freddie Mac have announced that they will impose a moratorium on foreclosures from December 19 through January 2. Some large banks, such as Chase, Wells ...
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total consumer debt in the US has fallen 60 billion dollars

cnn.money.com is reporting that the total consumer debt in the US has fallen 60 billion dollars from the previous quarter.
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Contested Lien Strip Victory - Second Mortgage Eliminated

Contested Lien Strip Victory – Second Mortgage Eliminated Many people are unaware that in bankruptcy you may complete eliminate second mortgages and equity lines of credit on their home or ...
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Alabama County Files Largest Chapter 9 Bankruptcy

Alabama County Files Largest Chapter 9 Bankruptcy Recently the commissioners of Jefferson County, Alabama, voted to file the largest Chapter 9 bankruptcy in history. The New York Times reports that ...
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New Website

New Website Shortly we will be launching a new website with expanded content and a new look.
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From the ABA "Service to Veterans Needed, Urges ABA President"

Dear Colleagues: This Veterans Day, Nov. 11, 2011, our nation will pay tribute to the countless men and women who have put their lives in harm’s way to protect our liberty and security. As ...
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How EBay Can Help Your Bankruptcy

How EBay Can Help Your Bankruptcy EBay is an online auction website where people and businesses buy and sell goods. You probably already know that. What you may not know is how EBay can help you ...
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White House Offers New Relief To Massachusetts Student Borrowers

White House Offers New Relief To Massachusetts Student Borrowers President Obama has announced a plan that seeks to lessen the burden of paying back student loans for Massachusetts residents. The plan ...
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Making Monthly Payments During Bankruptcy

Making Monthly Payments During Bankruptcy Automatic payments are a convenient way to pay your bills. An automatic payment is an arrangement for a specific amount of money to go from your bank account ...
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NACBA AMICUS NEWS

Solicitor General Supports Debtor in Supreme Court In Countrywide v. Rodriguez, No. 10-1285 (S.Ct.) the United States Solicitor General submitted an amicus brief opposing certiorari and supporting ...
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FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Weeks

Dear NACBA Member, I am pleased to report that NACBA’s “principal paydown plan,” designed to help struggling homeowners in chapter 13 save their homes from foreclosure, is now under ...
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U.S. Bankruptcy Courts Increase Cost of Going Broke

U.S. Bankruptcy Courts Increase Cost of Going Broke The U.S. Bankruptcy Courts have increased the fee for filing bankruptcy by $7. Effective November 1, 2011, the filing fee for Chapter 7 will ...
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new court fee schedule

The Judicial Conference of the United States adopted a new court fee schedule on September 13, which will become effective November 1, 2011. The revenue generated by the fee change will go into the ...
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Timely free consultation policy

Timely Appointment Policy We here at the Kovacs Law Office strive to ensure that all appointments are kept on a timely basis. That means if we schedule an appointment with you at 1:00 PM we fully ...
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Are You A Bankruptcy Phoenix?

Are You A Bankruptcy Phoenix? The ancient world has many stories of the firebird, or phoenix. The phoenix is mythical bird of great beauty that lives a very long time. At the end of its life the ...
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"Supreme Court Accepts Case Challenging Mortgage Fees Charged by Quicken Loans"

"Supreme Court Accepts Case Challenging Mortgage Fees Charged by Quicken Loans" "Updated: The U.S. Supreme Court has agreed to decide whether federal law bars mortgage lenders from ...
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"Support growing among policymakers for NACBA's Principal Paydown Plan"

Dear NACBA Member: On Wednesday, we wrote to bring you up-to-date on activities of NACBA’s Legislative Committee in support of the Principal Paydown Plan (PPP). Just as that email went out, we ...
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