Hawaii Debt Solutions

10/07/2021

RENTAL ASSISTANCE INFORMATION

Aloha Folks,

If you are a renter having trouble paying your rent or a landlord who has lost rental income due to challenges presented by the COVID-19 pandemic, help may be available. Through funding from the U.S. Department of the Treasury’s Emergency Rental Assistance (ERA) program, there are a wide variety of state and local programs that offer assistance—including financial assistance—to those who are struggling to make ends meet.

Provided below are links to learn more about ERA programs in your local area, including how they work and who is eligible, as well as other important information to help you navigate these difficult times. ERA programs can vary based on locale since flexibility is given to states to develop programs that best suit the needs of their communities.

For more general information on assistance programs, visit:
https://www.consumerfinance.gov/coronavirus/mortgage-and-housing- assistance/

For ERA program links in your local area, visit:
https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-
assistance/renter-protections/find-help-with-rent-and-utilities/

To get answers to frequently asked questions, visit:

For Renters: https://www.consumerfinance.gov/coronavirus/mortgage-and-
housing-assistance/renter-protections/emergency-rental-assistance-for-renters/

For Landlords: https://www.consumerfinance.gov/coronavirus/mortgage-and-
housing-assistance/help-for-landlords/

To talk with a no-cost Department of Housing and Urban Development-approved housing counselor who
can help you understand your options, make an action plan, and even help you apply for rental
assistance, call (800) 569-4287 or visit
https://www.consumerfinance.gov/find-a-housing-counselor/.

03/11/2021

Congress just passed the newest COVID-19 relief package and President Biden will sign it within the next couple of days. Over 6 billion dollars will given to Hawaii, providing, among other items, direct relief as well as a very important child tax credit that should help over 250,000 children's families. Click the photo for more details.

Congress just passed the newest COVID-19 relief package and President Biden will sign it within the next couple of days. Your child tax credit could be a big help if you know how to use this important credit.

03/11/2021

https://hawaiidebtsolutions.com/best-solution-student-loan-relief/

Learn if this professor from Yale Law School has the right idea about student loan relief. President Biden can take executive action to make student loans, currently difficult to... Call 808-468-7000 for your free consultation.

02/27/2021

Last year Congress passed legislation designed to help people who were either in bankruptcy or who were considering filing. Unfortunately, these provisions are set to expire. This new legislation would prevent that. The article lays out the benefits of these laws.

WASHINGTON - Amid the ongoing COVID-19 pandemic, U.S. Senate Democratic Whip Dick Durbin (D-IL), Chair of the Senate Judiciary Committee, and U.S. Senator Chuck Grassley (R-IA), Ranking Member of the Senate Judiciary Committee, today introduced the COVID-19 Bankruptcy Relief Extension Act, bipartisa...

02/24/2021

This is why we need to regulate the credit reporting agencies.

The federal government told credit reporting agencies they could relax investigations into consumers' disputes during the pandemic. At the same time, complaints against the agencies more than doubled from the previous year.

02/22/2021

Here is a perfect example of why the poor stay poor in Hawaii.

Most of us would like to believe that the law treats the rich and the poor alike, but it doesn’t.

02/20/2021

Good news for homeowners behind on their mortgages. Biden extended the ban on housing foreclosures to June 30 to help homeowners struggling during the coronavirus pandemic.

Please note that this only applies to federally guaranteed mortgages.

The moratorium on foreclosures of federally guaranteed mortgages had been set to expire on March 31. On his first day in office, Biden had extended the moratorium from Jan. 31.

02/19/2021

The governor extended the eviction moratorium until April 13th.

Gov. David Ige on Friday issued an 18th emergency proclamation for COVID-19, extending the eviction moratorium for another 60 days.

02/19/2021

The governor extended the eviction moratorium until April 13th, but watch out for this.

Instead of more extensions, Kawakami wants to see the state offer more rental assistance.

02/10/2021

If you were on unemployment during 2020 and have children, you need to read this article before you do your taxes or you stand to lose some, or all, of your child tax credit.

Families battered by the pandemic recession soon may discover that the tax refunds...

02/02/2021

Because the Hawaii courts have been closed due to COVID, many people have received a break from getting sued by creditors. However, debt collectors and, especially, Capital One are gearing up for a massive effort once they reopen. Here is an insightful article on what is coming our way.

If you feel you are about to be one of the unfortunate targets and you want to do something about it before occurs, feel free to contact us and we will help you.

As the COVID-19 pandemic hit, Americans got protection from evictions, foreclosures and student debt. But debt collectors have continued to siphon off their share of paychecks from those who still have jobs.

02/01/2021

With all the debate going on about the fairness of wiping out student loan debt, it is refreshing to read an article advocating a different path to forgiveness that takes a rational and fair approach that I had not yet heard.

Forgiving student debt to help the economy is a hard sell. And how do you decide whose loan to forgive? There are complex fairness issues to weigh.