http://www.isnare.com/?s=author&a=Michael+Goldstein%2C+Esq. Michael Goldstein, Esq. Wed, 05 Oct 2011 00:00:00 +0800 http://www.isnare.com/?aid=1057967&ca= With so many people these days facing an uncertain financial future and struggling with a decline in income and increase in expenses, as well as loss of equity in their homes, we as nation are seeing credit scores dropping dramatically. Additionally, many homeowners have suffered a loss of income a... Finances Michael Goldstein, Esq. Mon, 26 Sep 2011 00:00:00 +0800 http://www.isnare.com/?aid=588556&ca=Finances Recently, I have heard many Creditor rights and debt settlement companies making statements about bankruptcy that are at best inaccurate, and at worst an attempt to dissuade Debtors from filing bankruptcy in lieu of loosing their home and entering into long-term pay back plans with Creditors that ar... Legal Michael Goldstein, Esq. Sun, 24 Jul 2011 00:00:00 +0800 http://www.isnare.com/?aid=919273&ca=Legal Many consumers may not realize that ignoring their credit card bills can have much larger ramifications then simply bad credit. Recently in Massachusetts as well as many other states, credit card companies and other unsecured creditors have been fighting back, although in many cases unlawfully, by t... Legal Michael Goldstein, Esq. Mon, 28 Feb 2011 00:00:00 +0800 http://www.isnare.com/?aid=732801&ca=Legal One of the most common questions or concerns that people have when they file a bankruptcy case is whether they will loose any of their assets. The issue of retaining ones home, car, bank account and even wages has frankly been discussed to death. However, one issue that has not received the treatmen... Finances Michael Goldstein, Esq. Wed, 06 May 2009 00:00:00 +0800 http://www.isnare.com/?aid=375630&ca=Finances As many homeowners have found it increasingly difficult to make ends meat and afford their home mortgage payments, mortgage defaults and foreclosure proceedings have risen. These homeowners have several options that may put them in a position to bring their accounts current and allow them to make th... Finances Michael Goldstein, Esq. Fri, 16 Jan 2009 00:00:00 +0800 http://www.isnare.com/?aid=338253&ca=Finances If you are behind on your mortgage payments or are struggling to stay current on your loan payments, you may have considered refinancing your loan. However, if you have been turned down for a refinancing, and your home is worth less then you owe on it, you may be able to modify your loan. Below are... Finances Michael Goldstein, Esq. Wed, 26 Nov 2008 00:00:00 +0800 http://www.isnare.com/?aid=322173&ca=Finances What should owners of homes know about dealing with today’s economy? The new words of "Short Sale", "short refi", "Loan Mods" and "Loan Mortgage Modification" are new terms that homeowners never thought they would need to hear or understand what they mean in order to possibly save their homes or the... Finances Michael Goldstein, Esq. Thu, 20 Nov 2008 00:00:00 +0800 http://www.isnare.com/?aid=319653&ca=Finances A very powerful tool debtors have at their disposal should they find themselves in a bankruptcy situation is the ability to pay only the value of an asset. This is particularly enticing if you have a lien against secured property such as an automobile, mortgage on income property (but not on a resid... Finances Michael Goldstein, Esq. Tue, 11 Nov 2008 00:00:00 +0800 http://www.isnare.com/?aid=316932&ca=Finances In the present economic times many individuals are living with financial decisions causing them to hold assets, such as houses, automobiles and boats, whose values have plummeted. Individuals are living in properties whose values have dropped far below the mortgages or driving cars, which are valued... Legal Michael Goldstein, Esq. Wed, 10 Sep 2008 00:00:00 +0800 http://www.isnare.com/?aid=293170&ca=Legal The U.S. real estate boom of the past ten years has seen homeownership rise from 65% to 69%. Unfortunately with the market cooling the value of real estate is plummeting leaving homeowners holding mortgages that greatly out value the real estate they presently hold. There is now something that can h...