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U.S. Houses passes HEROES Act including consumer protections

HEROES Act Passes

I would start with describing the HEROES Act as an opening bid in a negotiation with the Senate,  where Republicans and most Democrats are  substantially more cautious.  It is worth noting that this summary does not include the pro-bankruptcy provisions,  including the $100,000 homestead minimum regardless of state law,  the more general allowance of 84 months plans (but with a discharge still at 36 or 60 months),  etc.


Engaging a Non-Profit to Solve the Chapter 13 Trustees PSLF Conundrum

By Ed Boltz, The Law Offices of John T. Orcutt, P.C. (Durham, NC) and Sarah Beth Withers, Inner Banks Legal Services (Washington, NC)

DISCLAIMER: This article is not meant to provide specific advice about the formation of a 501(c)(3) non-profit corporation or the tax or other consequences of such. At most, this is intended to encourage Chapter 13 trustees and their staff to investigate this option.

Substantial Gainful Activity and the Total Permanent Disability Discharge

The TPD Application states that substantial gainful activity means a level of work performed for pay or profit that involves doing significant physical or mental activities, or a combination of both.  This is a rather vague and nebulous definition,  which I suspect leaves doctors without much guidance or confidence in making a certification.

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