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On October 20th, 2008, President Bush signed into law the "National Guard and Reservists Debt Relief Act of 2008," P.L. 110-438. This legislation makes debt relief under Chapter 7 of the Federal Bankruptcy Code more readily available to members of the Armed Forces Reserves or National Guard who have been mobilized to active duty for a period of more than 90 days since September 11th, 2001 by waiving the dreaded "Means test" calculation.
The "Means... Read More
There's a lot of talk out of Washington about new plans and schemes to help homeowners in financial distress from losing their homes in foreclosure. Unfortunately, that's all it is, talk. Nothing concrete or definitive has yet been enacted into law and it's doubtful that there will be any relief at all until after the election. Instead of waiting for new relief out of Washington that may never come, homeowners in distress should consult with an experienced bankruptcy lawyer about how... Read More
On October 23, 2008 the Florida Supreme Court released a landmark decision in Emma Murray v. Mariner Sands holding that Claimants are entitled to recover reasonable attorney’s fees payable by the Employer/Carrier when that Employer/Carrier has wrongfully denied benefits. This had previously been the law prior to 2003 when the state legislature enacted changes to the law limiting
... Read MorePeople often act without forecasting prospective issues. In filing for disability retirement, it is important to take into account the emphasis and basis upon which one files for Federal Disability Retirement, because when an approval is given by the Office of Personnel Management, OPM identifies the specific medical disability upon which they granted the approval. As such, it is important for the applicant to base the application upon the medical... Read More
In the wake of two tumultuous storm seasons, Florida has experienced the significant growth of both its state-backed insurer and reinsurance fund. This article briefly summarizes the major legislative, regulatory, and market developments in Florida’s property insurance industry over the past four years. It is also intended to highlight the state’s metamorphosis into a full-fledged market competitor and the deliberate steps the state took in making that transition. ... Read More
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