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Understanding Bankruptcy, Oct. 4, 2018

BY MICHAEL A. CIBIK, ESQ. AMERICAN BANKRUPTCY BOARD CERTIFIED Question: Foreclosure scary: Can bankruptcy save my house? Bankruptcy! I don’t want to file bankruptcy! Hey, if you do want to file, there is something wrong with you. But you want to keep your house? Avoid foreclosure? Which option hurts more: losing your home or filing […]

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Bass: Regulate Recovery Houses

Councilwoman Cindy Bass (8th Dist.) is kicking up a lively legislative agenda this new Council term. Her latest proposal homes in on recovery houses, which are a focal point of the opioid crisis: Philly councilwoman urges regulations for city’s recovery houses    Send article as PDF   

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Councilwoman Bass Moves Suddenly to End Real-Estate Tax Abatement

REPORTED BY WHYY: planphilly.com/articles/2018/09/12/cindy-bass-proposes-eliminating-10-year-tax-abatement    Send article as PDF   

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Kozlowski down by the River

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Philadelphia Election Board Workers Get Historic Pay Raise!

Yesterday, at their first weekly public meeting for the Nov. 6 general election, the Philadelphia City Commissioners unanimously approved Chairwoman Lisa Deeley’s motion to raise the pay for Election Board workers by $20 a day. This marks the first time in generations that the Judges of Election, Majority and Minority Inspectors of Election, Clerks, Machine […]

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Understanding Bankruptcy, 9/6/2018

BY MICHAEL A. CIBIK, ESQ. AMERICAN BANKRUPTCY BOARD CERTIFIED Question: How do bankruptcy exemptions make the system work? When a bankruptcy is filed, the debtor can keep anything that is “exempt.” That always includes household goods and personal effects, and, most of the time, provides a homestead exemption that protects the debtor’s home. But why? […]

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Construction Tax a Poor Bet, Domb Argues

BY DENISE FUREY At-Large City Councilman Alan Domb discussed his opposition to a new 1% tax on construction (the Construction Tax) in the City of Philadelphia designed to fund approximately $20 million annually to the Housing Trust Fund. Domb is opposed to the tax because in his opinion, supported by research performed by the City’s […]

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BY MICHAEL A. CIBIK, ESQ. AMERICAN BANKRUPTCY BOARD CERTIFIED Question: Can I pay my taxes by credit card, then file bankruptcy? Credit-card debt is frequently discharged in bankruptcy. Taxes can be paid with a credit card. State and federal governments accept and even encourage such payment. However, a credit-card debt incurred to pay tax is […]

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Understanding Bankruptcy, 8/9/2018

BY MICHAEL A. CIBIK, ESQUIRE AMERICAN BANKRUPTCY BOARD CERTIFIED Question: Does bankruptcy have any effect on arrest warrants? Bankruptcy has no effect on criminal arrest warrants. However, there is a stay on civil arrest warrants. When a bankruptcy is filed, the automatic stay arises by operation of law. What that means is that merely by […]

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Understanding Bankruptcy, Jul. 26, 2018

BY MICHAEL A. CIBIK, ESQUIRE AMERICAN BANKRUPTCY BOARD CERTIFIED Question: Why is your lender making it harder to make your payments? You tried every possible way to avoid it, but you finally decided that you had no choice-you filed a bankruptcy. But you want to continue to pay some creditors, like your house payment and […]

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