“Cutting a deal with creditors” A credit card collection agency was calling an individual non-stop seeking a payment on an old debt. The individual asked me to contact the creditor to try to negotiate a settlement. I was able to get the creditor to accept a significant discount to resolve the debt. That is not…

Crazy High E-ZPass Fees I have had many people contact me to discuss very high E-ZPass fees. Suppose you drive over a bridge where there is a $10 fee. Something goes wrong with E-ZPass billing and they charge you an ADDITIONAL $100 for each time you went over the bridge. You eventually receive an invoice…

Automobile Lease Return Problems! I have had several people call me with an automobile lease return problem. During Covid-19, the dealership was not open to take back the leased automobile on the due date. Drivers were told to return the automobile later, and that no additional fees would apply. Later, when the dealer took the car…

Exempt Income Protection Act (EIPA) Was your New York bank account frozen? In New York, certain amounts and type of funds are protect from being frozen in a bank account in reference to the collection of private debts. In 2008, the New York state legislature found that in some instances, creditors were pursuing funds that…

A bank account can be frozen because a creditor has a judgment against you. However, a bank account can be frozen for other reasons. Problem one: What if you paid money to an individual or business, and then you learn their bank account was “frozen” because the bank “thinks” there was some kind of fraud…

If bankruptcy MIGHT be in your future, here is what you should do now: If you’ve lost your job or struggle to pay your debt, you may need to file for bankruptcy. If that’s the case, you should ignore some common financial advice and start thinking defensively. The coronavirus pandemic that upended the economy is…

Executive Order 202.42 WHEREAS, on March 7, 2020, I issued Executive Order Number 202, declaring a State disaster emergency for the entire State of New York; and WHEREAS, both travel-related cases and community contact transmission of COVID-19 have been documented in New York State and are expected to continue; NOW, THEREFORE, I, Andrew M. Cuomo,…

Roughly 11,000 IRS employees are returning to their offices. They face millions of unopened mail documents and tax returns that have accumulated during covid-19. The IRS has focused this reopening in the three states (Kentucky, Utah, and Texas) where the agency processes much of the mail and paper tax returns it receives. There were 4.7…

The USA economy is in a COMA… But that doesn’t mean we’re heading into a depression just yet. We have been told “stay home to mitigate the effects of Covid-19” Most states have a full or partial stay-at-home order in place. Essential employees can go to work. Others work at home. We have never seen…

Expect a Meat Shortage Coronavirus-linked problems in meat supply chain indicates meat shortages which means price increases for consumers. According to the USDA’s weekly report from April 27, beef production was down nearly 25% year-over-year, while and pork production was down 15%. At least 20 meatpackers have already died from COVID-19, and more than 5,000…

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