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  • The Dreaded SFR – bane of the bankruptcy tax case

    SFR or Substitute for Return is a notation on the “Account Transcript” no prospective bankruptcy debtor wants to see if he or she is looking to discharge otherwise dischargeable taxes. The “discharge” is what eliminates debt: http://leverlaw.com/discharge.php. Taxes need to be at least three years from the date the return was first due and payable, ...

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  • Pay Day Loans: Unsurprisingly, they suck

    I see clients from all walks of life who take out so called Pay Day Loans. They are the worst. Only the extremely desperate should take them out. You may as well make a deal with the devil for your soul. OK, that’s overstating it. And I don’t know about you, ...

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