Welcome to our October, 2021 Newsletter! We have gotten some great feedback about this newsletter, so pass it on to a friend or family member!
|
|
You're running late to work, you drop off your three-year-old child in day care and as you are leaving, the child care aide tells you to call the business office. You find out your check was rejected. You know this isn't right, because you had more than enough funds in your checking account.
According to TeleCheck's website: they do not have access to your bank account balance. So if your check is rejected, it might be due to TeleCheck "not having enough information about your check to approve your transaction or that you might have an unpaid check or debt."
|
|
Student Loan Forgiveness
for Some
|
|
Some reports show President Biden forgiving up to $10 billion in student loan debt. This program began as part of The Cares Act in March 2020 passed to deal with the widespread economic devastation of the Covid-19 pandemic.
But perhaps you haven't received any student loan forgiveness personally. What happened?
Many students wondered whether they would have full forgiveness of their loans during the pandemic because of all the stories about loan forgiveness but it never came for them. The loan forgiveness so far has not been enacted on a wide scale. Biden has extended the loan forgiveness twice and that will expire on January 31, 2022.
Biden supports $10,000 loan cancellation for students and he has publicly stated that he thinks congress should cancel student loan debt. Legislation championed by Senators Schumer and Warren have supported cancellation up to $50,000 for student loan borrowers.
Loan forgiveness from the Biden administration has been targeted to three student loan groups:
1-total and permanent disability;
2-those defrauded by failed for-profit schools;
3-and soldiers in war zones.
The first group of student loan forgiveness refers to borrowers who are
disabled and cannot earn an income. The second group is for federal student loan borrowers who were defrauded or misled by their colleges or universities such as now defunct Trump University (which wasn't really a university but a for-profit seminar series) or New England Institute of Art. The third group affects 47,000 current and former active duty service members.
We help many student loan borrowers when they get sued for student loan debt, that is often beyond the statute of limitations
Contact us for a consultation so we can take a look at your paperwork and help you get your legal issue resolved.
|
|
Eviction Moratorium Has Ended |
|
This decision puts hundreds of thousands of renters in the precarious position of losing shelter. Another issue: many are still waiting on pandemic payments that either didn’t arrive or were delayed because of bureaucratic issues on the state and local levels holding up the payments. According to a New York Times article, of the $46.5 billion from the fund, known as the Emergency Rental Assistance Fund, only $1.7 billion has been distributed since the end of July.
Why have there been so many issues with distribution of the aid?
Some issues: onerous applications, not enough public information about the program itself, resistance of landlords, and rising rents that encouraged landlords to move out low-income tenants. Some renters don’t have a traditional lease because they sublet from friends or are living in illegal units making it harder to receive aid. Baltimore’s Mayor Brandon Lee said, “We are seeing tenants that have rental agreements on napkins."
Having an issue with your landlord or Homeowner’s Association (HOA) overcharging fees? We have experience with tenant and landlord issues.
|
|
We support local bookstores: here is a link to order from Old Fox Books in Annapolis.
Pat Rodowsky is reading Extreme Ownership: How U.S. Navy SEALs Lead and Win by Jocko Willink; Contributor: Lief Babin.
The book explains SEAL leadership principles and how to apply them to business and everyday life to achieve success. Willink and Babin discuss how they used the principles when serving in Iraq as part of SEAL Task Unit Bruiser, and how the principles have been successfully applied by business leaders and individuals.
Over the summer, she finished the entire Anna Pigeon mystery series by Nevada Barr. They are novels about a female law enforcement park ranger. Each book is set in a different national park where Anna Pigeon solves murders and deals with natural resource issues.
|
|
Peter Holland is reading Blood and Treasure: Daniel Boone and the Fight for America's First Frontier by Bob Drury and Tom Clavin. It is a fascinating account of the excitement, beauty, tragedy, brutality, and politics of westward expansion both before and after the Revolutionary War.
|
|
|
|
Phishing Scandal: "Chair of Federal Trade Commission (FTC)" Asking for Personal
Information for
Stimulus Funds
|
|
If you receive an email from the Chair of the Federal Trade Commission (FTC) Lisa Khan stating that in order to receive stimulus funds you need to send your personal information such as name, address and date of birth: it is a scammer.
The FTC is not giving out stimulus money and you shouldn't reply to this email. Forward the email to the Anti-Phishing Work group at reportphishing@apwg.org.
More information on how to spot scam emails can be found here.
|
|
Is Midland Credit Management Legit? I Just Received a Letter that They are Suing Me!
|
|
We are familiar with Midland Credit Management or Midland Funding and clients have called us when they get sued by this collection company. Midland Credit Management is one of the largest debt collection companies in the United States with over 8,000 employees and in 2017, the company made $1 billion in revenue.
If you received notice of a lawsuit with Midland, calling an experienced debt collection defense attorney will greatly increase your chances of solving your legal issue. We have had success defending our clients against large and small debt collection companies.
We are happy to meet with you over Zoom or in person to go over your paperwork and see exactly what is going on. Each case is different and we can help you get your life back and not stay up at night worrying about the potential legal issues related to a debt collection lawsuit.
|
|
Peter Holland A+++
I have known Peter Holland for many years now. He has been my lawyer on a couple of occasions and has represented me very well. He is a very knowledgeable attorney and is very concerned about his clients welfare. From 2001 to present he has represented me on different issues and has well exceeded any representation that was necessary above and beyond what was expected. I am thankful to have his services. He will always be the first to call if I have a legal issue!!
-Leslie, Five Star Google Review
|
|
HOLLAND LAW FIRM: RECENT ACTIVITIES AND BOARD MEMBERSHIPS
|
|
Pat Rodowsky is pursuing paralegal classes to keep up with changes in law practice protocols at Anne Arundel Community College this fall. She keeps our office in step with best practices. We are paperless, which helps keep our footprint small when it comes to doing our part to help save the environment.
Peter Holland recently stepped down from the board of directors of the National Association of Consumer Advocates. He is a frequent lecturer on wide ranging legal topics such as trial and deposition prep for organizations around the country. In August, he presented to a national audience of attorneys through the Practicing Law Institute's "Consumer Law Basics and COVD-19 Consumer Protections 2021." The title of his presentation was "Representing the Unsecured Debtor."
In May, he presented to the Maryland Partners for Justice Conference. The title of his presentation was "Courtroom Advocacy: Discovering and Telling Our Clients' Stories."
When not practicing law, he enjoys spending time with his wife, four kids, two dogs and cat.
Both Peter and Manny are members of Law Zebra, a groundbreaking organization of independent trial and consumer rights lawyers who hail from several states across the country.
|
|
We Are Here to Help. Call Us! |
|
Do you know someone being hounded by debt collectors for a mortgage, student loan, medical debt, residential lease, car loan, or credit card debt? Do you know someone who is the victim of Identity Theft or Credit Reporting Errors? We can help.
Call us for a confidential consultation at 410-280-6133!
|
|
|
|
|
Peter A. Holland and Emanwel J. Turnbull |
The Holland Law Firm, P.C.
914 Bay Ridge Road, Suite 230
Annapolis, MD 21403
410 280 6133
NOTE: This newsletter may be considered to constitute advertising under Rule 7.2 of the Maryland Code of Professional Conduct and other state rules. Peter Holland is responsible for the content.
|
|
|
|
|
|
|
|
|
