Law Offices of Ginger S. Marcos

03/12/2024

Navigating Chapter 13 Bankruptcy: What Happens When Payments are Late, and Strategies to Avoid Dismissal or Conversion"

Being a week late on your bankruptcy payment is probably no big deal — in most cases.

03/08/2024

Major US Companies, including WeWork and Rite Aid, declare bankruptcy in 2023 amid economic challenges.

It’s been a rough year for some household-name US retailers and businesses. As the economy emerged out of the Covid-19 pandemic, companies faced a laundry list of problems arising from high costs, supply shortages and growing competition.

03/06/2024

There is a way back from bankruptcy with simple steps you can take to start rebuilding your credit.

Is it possible to remove bankruptcies from your credit report? Learn what steps can be taken and how to rebuild your credit after a bankruptcy.

03/04/2024

Car accident statistics broken down by state that includes causes and when then occur.

Browse statistics of dying in a car crash, with data broken down by state, causes (speeding and alcohol impairment) and time.

03/01/2024

Commercial Foreclosures Increase 17 Percent from Last Month and 97 Percent from Last Year

ATTOM just released commercial foreclosure report reveals a significant increase in commercial foreclosures to start off 2024.

02/28/2024

Injuries can happen to anyone, anywhere, and at any time. At Law Offices of Ginger S. Marcos, we work to obtain compensation for personal injury victims. Visit our website to learn more: https://marcoslawfirm.com/

02/28/2024

Historically, about 1 in 1,000 student-loan discharges have been successful in bankruptcy court. Last year, the Justice Department released new guidance for federal lawyers meant to streamline the process and, theoretically, lead to more discharges. In November of 2023, the department said roughly 630 cases had been filed in 10 months using the new system, and that the “vast majority” of those borrowers received full or partial discharges. But whether a borrower can actually have their student loans discharged still depends on which federal lawyer is assigned to the case and in which jurisdiction their case is filed.

For years, erasing student loans through bankruptcy court has been a long, often unsuccessful process. Biden promised to make it easier, but has he?

02/23/2024

Americans now owe $1.13 trillion on their credit cards, the Federal Reserve Bank of New York reported. Balances jumped 10% from a year ago, according to a separate quarterly credit industry insights report from TransUnion, with the average balance per consumer hitting $6,360, also a historic record.

Credit card debt hit a record $1.13 trillion at the end of 2023, while delinquencies have surged more than 50% from a year ago.

02/21/2024

The United States Bankruptcy Code contains several provisions that safeguard job applicants and employees from discrimination. The Fair Credit Reporting Act also offers some protection by limiting how employers can use credit screenings.

Bankruptcy may affect your job if a potential or current employer completes a credit check, but you’re often protected from discrimination in that case.

02/20/2024

Accident victims often suffer harm that is not immediately apparent. Brain trauma, nerve damage or internal organ injuries may not show symptoms until days or weeks later. If you’re in an accident, you should seek prompt medical attention even if you don’t feel severe pain. An early diagnosis will get you the treatment you need and help you in recovering financial compensation.

02/19/2024

Videos showing a driver wearing an Apple Vision Pro headset behind the wheel have alarmed some road safety experts and prompted a response from the U.S. Department of Transportation.

Apple's user guide for its mixed-reality headset explicitly tells owners to avoid using it "while operating a moving vehicle."

02/16/2024

Both Chapter 7 and Chapter 13 bankruptcy include provisions through which you may be able to keep a car that you purchased with a secured loan.

You may not have to surrender your vehicle when you file for bankruptcy. Learn how to avoid it — and when it’s best to just turn the car in.