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Manos Legal Services > Our Blog (Page 3)
26 March
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401k Early Withdrawal: What to Know Before You Cash Out

Posted by flutter
in Bankruptcy

[ad_1] There are a number of reasons why it might be tempting to cash out your hard-earned 401k savings before retirement. From hefty car or home repairs to emergency medical expenses, sometimes unexpected circumstances cause us to seek out extra cash. In fact, 1 in 3 people have resorted to a 401k early withdrawal, often when in between jobs. However, it’s important that you’re aware of any penalties and fees before you choose to withdraw. Additionally, 401k early withdrawals may have unwanted impacts on your taxes. Read on to learn exactly what happens when you decide to dip into your 401k...

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17 March
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Credit Card Top Picks: Based on Your Life Stage

Posted by flutter
in Bankruptcy

[ad_1] From the Mint team: Mint may be compensated by some of the links that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.  It seems like every day, a new credit card arrives on the scene. But how do you know if the card is worth applying for? It’s easy for consumers to become inundated and confused by all the cards available...

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08 March
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Can I File Chapter 13 if I am Self Employed?

Posted by flutter
in Bankruptcy

[ad_1] Can you file a Chapter 13 debt consolidation case if you are self employed? Yes, you can but expect the process to be more difficult, burdensome and expensive than it would be if you are a salaried employee. Chapter 13 works best when your income and expenses are steady and consistent. When you file Chapter 13 you will be proposing a repayment plan to the bankruptcy judge. Your plan modifies the rights of your creditors and it must meet all the requirements of the bankruptcy code. When you file your case, a Chapter 13 trustee will be assigned to verify the...

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27 February
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Credit Card Reviews: The Best Credit Cards for Restaurants

Posted by flutter
in Bankruptcy

[ad_1] From the Mint team: Mint may be compensated by some of the links that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.    If diving into a meal at a hot new restaurant is a highlight of your week, or you just frequent eat at restaurants of any kind, a credit card with bonus dining rewards may be perfect for you. While...

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18 February
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How to Talk Money in a Relationship: Dos and Don’ts

Posted by flutter
in Bankruptcy

[ad_1] My good friend Dave once went on a date with a woman who straight-up asked him which tax bracket he fell into. Taken aback by the woman’s lack of tact and transparent criteria for a partner, Dave swiftly changed the subject. After he paid for dinner, they went their separate ways. As you can imagine, there was no second date. While there are obvious faux pas with what money questions to ask while dating, it’s mission-critical to discuss finances when you’re coupled. Easier said than done, right? In the U.S., talking about one’s finances is typically considered more taboo than...

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09 February
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Judicial Estoppel: Medical Malpractice Claim Survives Omission From Bankruptcy Schedule A/B

Posted by flutter
in Bankruptcy

[ad_1] A chapter 7 trustee was allowed to pursue a medical malpractice claim that the debtor had failed to list in her papers, even where the trustee and the debtor had agreed to split the lawsuit proceeds. In this New Hampshire case, Alward v. Johnston, 2017-0080 (N.H. Dec. 21, 2018), the state’s supreme court disagreed with other courts that the debtor’s conduct in omitting the asset should be imputed to the bankruptcy trustee. The chapter 7 debtor had consulted with two different law firms before filing bankruptcy. Each firm declined to help her pursue a malpractice case based on failed back...

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31 January
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Newbie Investing Mistakes and How to Avoid Them

Posted by flutter
in Bankruptcy

[ad_1] You’re bound to make a few rookie errors when trying out anything for the first time, whether it’s making homemade greek yogurt, growing heirloom tomatoes, or learning to drive. After all, learning is a process, and trial and error is a large part of that painful—yet essential—process. And when it comes to investing, you might be afraid to take the plunge for a number of reasons. There’s simply so much to get your head around. Plus, you’ve most likely heard horror stories of those who suffered huge losses in stocks simply because they didn’t know what they were doing. That being...

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22 January
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GasBuddy = Gas Savings

Posted by flutter
in Bankruptcy

[ad_1] Now more than ever clients and ordinary people are trying to save money any way they can.  People will seek out obvious ways to save such as eliminating eating out or for me, stop coffee purchases. But what about looking for not so obvious ways to save money? Gas is one of those necessary expenses we think we have no control over the price we pay. But, that may not be true. There is a service called GasBuddy. It is a free application you may download on your phone or use through their website to check the lowest price of...

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13 January
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Federal Workers: How to Protect Your Finances During the Government Shutdown

Posted by flutter
in Bankruptcy

[ad_1] If you’re a furloughed government employee, you are likely feeling a good deal of stress and uncertainty about how to manage your finances during the government shutdown. While missing a paycheck is a financial moment no one wants to experience, there are many ways you can keep your financial health intact. There’s no need to panic just yet: use this time to take stock of the situation with these five steps. Determine your priority payments – and pick up the phone To start, take stock of your current financial responsibilities. Figure out what bills need to be paid now and what...

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04 January
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Rescission & Bankruptcy

Posted by flutter
in Bankruptcy

[ad_1] Rescission, what is it and what does it have to do with bankruptcy? 11 U.S.C. § 524(c)(4) outlines the basis for rescission but it really does not identify what rescission does for you. A rescission breaks or cancels a promise to pay and it is completely legal IF performed according to 11 U.S.C. § 524(c)(4). Clear as mud? Let’s break it down even further. When you file for Chapter 7 relief you may be asked to reaffirm on such things as a house or vehicle note. There are reasons you may or may not want to reaffirm those notes but for...

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