Newsletters

Are You Overpaying Your Medical Bills?

For millions of Americans, medical debt creates extremely difficult financial circumstances. Past due medical bills can lead to creditor harassment, wage garnishments, and lower credit ratings. When a person is diagnosed with cancer or other illness requiring surgery and long-term treatments, the medical bills can be in the thousands of dollars. Although health insurance should cover many expenses, depending on the plan and deductible amount, patients may still have astronomically escalating bills. Millions of Americans experience this exact scenario every year, and this is on top of the emotional and physical hardship that comes with illness or an acute injury. Everyone should be aware that hospital bills are often rife with errors. It may be possible to lower the costs of erroneous medical bills with quick action. How common are medical billing errors? Statistics collected by the Centers for Medicare and Medicaid Services show that 49 percent of Medicare claims…
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What Are My Options for Student Loan Forgiveness?

More than 44 million Americans owe $1.44 trillion in student loan debt. For many of these borrowers, they pay several hundred or even thousand dollars per month. Student loans can make it difficult to afford a mortgage, start a business or pay down other debts. However, borrowers with federal student loans may have several options to forgive or discharge their remaining balances. The Department of Education has several options for student loan forgiveness. If you are struggling to pay back your student loans, or if you want to explore options for loan forgiveness, then we encourage you to continue reading. How Does Public Service Loan Forgiveness Work? In 2007, the Public Service Loan Forgiveness (PSLF) program was passed by Congress and signed into law by President George W. Bush as a way to entice graduates with federal student loan debt to enter jobs in the nonprofit and public sectors. The…
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Want A Total and Permanent Disability Discharge for Student Loans?

Earlier this year, the Department of Education took steps to identify federal student loan borrowers with permanent disabilities by using Social Security data. According to the Department of Education, it identified 387,000 borrowers who are permanently disabled. Nearly half of the 387,000 were in default on their loans. Many disabled borrowers who have defaulted were at risk for having their Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) garnished. The Department of Education’s move was an attempt to identify permanently disabled borrowers who were eligible to discharge their student loans. Although prior attempts had been made to identify borrowers, many were unaware they qualified for a discharge or had trouble submitting paperwork. The Department of Education now sends paperwork to eligible borrowers to guide them through the steps of a total and permanent disability discharge. If you are permanently disabled and have not heard from the Department of…
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How Chapter 13 Bankruptcy Can Help Affected Federal Employees

Kansas City Bankruptcy Attorneys Offering Chapter 13 Filings with No Upfront Fees to Federal Workers The recent shutdown of the federal government meant the temporary furlough of some 2 million employees. Across the nation, countless breadwinners found themselves suddenly out of work and without regular paychecks. This downturn in financial fortune may have caused many federal workers to look to bankruptcy as a means of resolving their financial troubles. Some federal workers may be hesitant to file bankruptcy out of concerns that doing so would endanger their future in public service – but nothing could be further from the truth. Our Kansas City bankruptcy attorneys can guide federal employees through the bankruptcy process in a way that helps them set up a future of financial stability. Does Bankruptcy Affect Security Clearances for Federal Workers? Many people fear that their employers can fire or deny employment because they sought legal solutions to…
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