Michael Goldstein – Phillips Law Offices, LLC

If a person cannot work due to a disability and is found disabled by the Social Security Administration (SSA), then that person is entitled to receive a payment from the government as a result of the inability to earn a living. …more

The long standing rule in bankruptcy court that lien striping cannot take place in Chapter 7 bankruptcy has been turned on its ear. In Re: McNeal, Case: 11-11352, Lorraine McNeal v. GMAC Mtg. held that, at least in the 11th…more

One of the most important benefits of filing for bankruptcy protection is the enforcement of the Automatic Stay, found in 11 USC § 362(A). The Automatic Stay is so important that the provision against multiple and frequent…more

Everywhere I go I hear someone complaining about their house being worth nothing at all. They use the terms “underwater,” “worthless,” and “hopeless” to describe situations regarding their home. It is a tough time right now…more

Many homeowners have found themselves in the position of owing money on a debt that they simply cannot repay. As a result, the homeowner is sued by a Creditor and, shortly thereafter, a corresponding judgment enters against the…more

So who holds the title to your house? Every month you have to pay your mortgage to some anonymous bank or lender. This is the payment that you promised to make each month in exchange for the privilege of being able to buy…more

We met with many clients in the last year that were over 12 months behind on their mortgage payments. The shocking fact is that they still live in their home and do not face foreclosure sale as of this date. Why this is shocking…more

Unfortunately, in recent years many debt consultation companies, loan modification companies and real estate and mortgage brokers have attempted to mislead the public into thinking that bankruptcy is a dirty word and can end…more

If you are hurt and can’t pay your bills, what rights do you have? There are many rights consumers have. However, let’s talk about the possible solutions to your debt problem. If you are being harassed by debt collectors and…more

there is a specific Federal law (11 U.S.C. § 525(b)) that prohibits an employer from discriminating against an employee including firing that employee for filing bankruptcy. The fresh start that comes with protections under…more

We all have heard by now of the issues that banks and other lenders are having with enforcing mortgages due to “robo signing” or “rubber stamping” mortgage documents. Banks have been accused of committing fraud by not having…more

Recently, in a Massachusetts District Court, a credit card company was facing a judge, and asking to take possession of a consumer car because they had defaulted on paying a minor credit card bill, to the tune of $400. A lot of…more