There are few alternatives that you might want to consider if you are facing foreclosure. Three of them are the short sale, the deed in lieu of foreclosure and a loan renegotiation. With a short sale you get the authorization from your lender to sell your house for an amount that will not cover the […]
An overview on foreclosure: first steps and questions you should ask yourself.
Foreclosure is a legal process in which the lender attempts to recover the balance of a loan from a borrower (who has stopped making payment to the lender), by forcing the sale of the asset used as the collateral for the loan. This often leads to the owner having to vacate their home or be […]
An overview of disability in public spaces
Government offices, businesses and other places open to the public are required by the Americans with Disability Act to make sure disabled people have full an equal access to their property, goods and services. California’s Disabled Access Laws protect the right of physically and mentally disabled individuals to obtain full and equal access to public […]
How to manage if your employees have a disability: requesting a reasonable accommodation.
The employee with a disability that keeps him/her from performing the essential functions of his/her job must initiate the request for an accommodation. The request can be made orally or in writing and should include: the condition of the disability and its duration; the limitations caused by the condition and how those limitations impact the […]
Hiring someone with a disability: a few tips to avoid being discriminatory!
It seems reasonable to presume that companies will be reluctant to hire people with a disability that would supposedly cost them more money. In reality though, most of the accommodations that the employer will have to make are low cost and disabled employees often prove to be hard-workers, loyal and reliable. The American with Disabilities […]
What are the alternatives to bankruptcy?
Even if you find yourself in a great financial distress, there are some alternatives to bankruptcy that you might want to consider. The first thing you might want to double check is if you are in a “judgment proof” situation. If you don’t possess anything that judgment creditors can collect from you, then you are […]
Are you considering filing for bankruptcy? Make sure you are aware of the consequences.
Even if bankruptcy seems to be the only way to get out of debts and have a fresh start, some consequences linked to the bankruptcy process must be taken into account. As we previously observed, some debts are never dischargeable even when you file for bankruptcy. Indeed some domestic support obligations such as child support […]
An overview of the bankruptcy process.
The bankruptcy laws offer you two main choices if you decide to file for bankruptcy: Chapter 7 and Chapter 13. Bankruptcy is a Federal legal process in which consumers (or businesses) can eliminate or repay some or all of their debts under the protection of the Federal bankruptcy court. Chapter 7, also called “the liquidation […]
Elder abuse: how to be aware of the signs and protect your elder loved ones.
Even if signing a power of attorney is a good way to avoid going through all the proceedings of a conservatorship, signing a document, which gives such power over another person’s finances, and care might easily lead to abuse. Elder abuse is a single or repeated act or lack of appropriate action, occurring within any […]
What to do when your elderly loved ones become incapacitated: the conservatorship process.
When a person becomes incapacitated and did not make any previous type of arrangement such as a living trust or a power of attorney, the court can be asked to appoint a Conservator to take care of the incapacitated person. A Conservator is a guardian, a protector appointed by a judge to protect and manage […]