Should the Small Business or the Owner File for Bankruptcy?

This is a question that comes up frequently in my practice.  A person owns a closely-held business, with one or two owners, usually a Husband and Wife.  They call, explaining that the business cannot pay its suppliers, lenders, landlords, lines of credit.  They ask “Can
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The IDR Waiver: A Game-Changer for Student Loan Forgiveness

Lately, there have been very important developments in the world of Federal Student Loan Repayment Plans. This program was set to expire at the end of 2023, but it has been extended. The IDR Waiver, also known as the IDR Account Adjustment, is a significant
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Federal Student Loan Pause is Ending-What Happens Next?

For millions of Student Loan Borrowers, it’s been 3 years since they have been required to make payments on their Federal Student Loans.  Also, interest and collections were suspended.  The U.S. Supreme Court decision on the Biden Student Loan cancellation program is expected by the
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Sophisticated Fraud Ensnares More Unsuspecting People

A new, disturbing trend is emerging today.  In 2022, the FBI reported that $10 Billion was lost to online fraud, according to CNN. It’s not just the usual types of fraud you think of, such as ransomware (where a fraudster takes over your computer and
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When the SH*T Hits the Fan, Call Dan!

For at least 10 years, I’ve been writing blog posts and articles about how to manage your money, how to be proactive, so people can hopefully avoid disaster in their financial life. Sometimes, things can get away from even the most diligent people! Then, the
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