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Is it a SCAM???

Scammers are constantly out there, be aware of scams of all types, there are many types of fake bill collectors. It is a good reminder to follow your instincts, if a creditor is being a bully, or very aggressive and insisting on instant payment and information, it likely isn’t a valid collection. You can and […]

Chapter 13 Offers More Flexibility in Bankruptcy than Chapter 7

Way back in 2005, President Bush signed into law the 2005 Bankruptcy Reform Act, officially known as the Bankruptcy Abuse Prevention and Consumer Protection Act. One of the stated missions of the “new” bankruptcy laws was to reduce the presumed abuse of Chapter 7 (“liquidation”) bankruptcy and encourage more people to file Chapter 13 (“reorganization”) […]

Tax Time Q&A: Can the IRS Seize My Tax Refund to Apply Toward My Student Loan Debt?

Early February is the time of year when Punxatawney Phil sees his shadow, men panic about what to buy their betrothed for Valentine’s Day, and the go-getters get their tax returns done so they can get their refund back as soon as possible However, some taxpayers are discovering the refund they thought was coming has […]

May I Keep My Tax Refund in Bankruptcy?

Happy New Year 2016! It is cold and snowy outside but, if you are anything like me, you are already thinking about spring time and warmer days ahead. If you are anything like me you might also be thinking about tax refund season and it is fast-approaching! Around this time of year a frequently asked […]


By David G. Hicks of Pollak, Hicks & Alhejaj, P.C.             According to the Washington Post, in an article carried by the Omaha World Herald’s Money Section on November 6th, this shocking prediction is made by none other than IRS Commissioner John Koskinen. At a recent conference of CPAs and other tax professionals in Washington […]

Student loan discharge issue being appealed to the United States Supreme Court.

This is a significant chance for all debtors to have clarity on the current requirement of proving ‘undue hardship’ to discharge student loans under the Bankruptcy Code. We are hopeful that the Supreme Court will apply a liberal version of that test that considers the ‘totality of the circumstances’ faced by the debtor.  – See […]

Grandpa Had A Bigger Paycheck

Citing statistics from the Census Bureau and a recent study by the Brookings Institute, AOL news reports the startling information that men earn less now than they did forty-three years ago. According to the data, a full time male worker in the USA earned an annual “average” of $51,649.00 in 1972. In 2014, that average […]


According to Patch.com Staff Writer Daniel Hubbard, what’s cooking is that co-hosts of the “Kitchen Cousins” home improvement TV Show John Colaneri and Anthony Carrino each filed personal bankruptcy in New Jersey after losing a law suit against them for shoddy renovation, fraud and breach of contract on a New Jersey house that once belonged […]

My Two Cents Worth on Fifty Cent

(Is He Getting Rich or Is He Dying Trying?) As most everyone by now knows, Rapper Fifty Cent filed for bankruptcy. Mausoleums may be the final folly of the rich, but the massive Connecticut mansion that “Mr. Cent” now seeks to rent out may prove to be an earlier folly. It apparently has more than […]

Legalized Car Thievery: The Drive to Hold Your Pink Slip

By David G. Hicks Attorney at Law, Pollak, Hicks & Alhejaj, P. C. A new lending scheme by sometimes unscrupulous short term lenders has been called “legalized car thievery” by Rosemary Shahan, president of a California consumer advocacy organization results in about a quarter of a million Americans losing their vehicles to repossession. The Los […]


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