Finding the right person to stamp your documents doesn’t sound very hard. But not all notary publics are the same; the legal requirements have changed, and notary services have become more diversified. Here are some tips on choosing a state-appointed notary public, plus information on our notary services at OakTree Law. What Does a Notary […]
The coronavirus pandemic has had a negative financial impact on the majority of Americans. In fact, TransUnion, one of the three main credit reporting agencies, conducted a study in April 2020 that found 61% of consumers have been affected. U.S. consumers have accumulated a lot of debt during the crisis. If you’re struggling to keep […]
Homeowners and renters continue to be impacted by the coronavirus pandemic, as the economy has not yet fully recovered. On Thursday, August 27, the Federal Housing Finance Agency (FHFA) and Department of Housing and Urban Development (HUD) announced that Fannie Mae and Freddie Mac have extended the moratoriums on single-family foreclosures until December 31. The […]
The world has been turned inside-out by the continued spread of the novel coronavirus. Millions of families have suffered the death of a loved one or watched their livelihoods slip away. The United States has been unwittingly center stage in the COVID-19 global health crisis. With mandatory quarantines, widespread business closures, and questionable stimulus efforts […]
When it comes to bankruptcy proceedings, most people don’t ever set foot in a courtroom, and have very little, if any, contact with a judge. Typically, when you file for bankruptcy, you have to fill out detailed paperwork, meet with a bankruptcy attorney, and make a one-time appearance at a ‘341 hearing’, otherwise known as […]
When an employer, lender, or landlord reviews applications for new hires, bank loans, or housing, more often than not they will conduct a thorough background check. Background checks are generally used to verify your identity, but they also reveal other vital information about your past, including criminal history, work history, education, past evictions or foreclosures, […]
While Chapter 7 bankruptcy will allow filers to erase qualifying debt, nondischargeable debts can’t be eliminated by filing for bankruptcy. Qualifying debts include past-due credit card balances, unpaid medical bills, and personal loans, amongst others. The U.S. bankruptcy code won’t forgive debts like student loans, income tax debt, or legal fines. Those are considered nondischargeable […]
With the economy arguably in a slump and unemployment at an all-time high, Americans are having to make adjustments to their financial plan to see them through these uncertain times. CNBC reports that over 40% of Americans are unable to afford an unexpected event or emergency that exceeds $1,000. Those statistics should make everyone take […]
The idea of estate planning can be intimidating to some; that’s understandable. But planning your estate is an absolute necessity in the event that anything should happen to you that results in your death. Having an estate plan in place absolves your family members and heirs from future legal woes and saves them a trip […]
This is undoubtedly a strange time for most Americans. The continued spread of the novel coronavirus has left thousands of people across the country out of work or living on a reduced salary. With all of this uncertainty, it has some homeowners worried about being able to make mortgage payments on time. Banks and lenders […]
