Michael Goldstein, Esq.


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Michael's latest writings
Will I loose my Personal Injury settlement in a bankruptcy?

One of the most common questions or concerns that people have when they file a bankruptcy case is whether they will loose any assets. The issue of retaining ones home, car and even wages has frankly been discussed to death. However, one issue that has not received the treatment it deserves is whether someone who has been injured in a car accident or some other work related accident will be able... (posted by Michael 359 days 3 hours ago.)
How To Protect Your Tax Refund From the Trustee

When someone who is facing financial difficulty decides to file for bankruptcy there are many secondary choices they must make. They may be able to decide which chapter of bankruptcy they should file, Chapter 7 liquidation or Chapter 13 reorganization. Once that decision has been made the Debtor then needs to decide, should they keep their home; should they keep their boat? Depending on their income and... (posted by Michael 1 year 122 days ago.)
How Will a Loan Modification Affect Your Credit Score?

As homeowners continue to default on their mortgage obligations, and try to reorganize their finances the need to work their lenders has become increasingly important. As I have discussed in the past in this blog, loan modifications are not a new fad, or President Obama's great new invention, but rather a tried and true tactic known as negotiation. With this said, many homeowners are concerned though... (posted by Michael 1 year 134 days ago.)
Changing Laws On Mall Gift Cards

Have you ever received a gift card for the mall or one of those pre-paid Visa or MasterCard, only to find out when you tried to use them that the card has expired, or due to the length of time, much of the funds were not available for your use? This is an unfortunate occurrence for many consumers. However, as of August 22, 2010, the Federal Credit Card Act has established a new set of rules and regulations relative to... (posted by Michael 1 year 171 days ago.)
The Supreme Court Does Not Want Lawyers To Interpret the Law

Let me preface this blog by stating that I am a consumer debt attorney. I typically represent homeowners or small business owners in negotiations with banks and other creditors, or in protecting consumer rights though use of the Bankrutpcy code. Now with that said, I am going to do somthing for my brothers and sisters, stick up for the "Dark side". Last week the highest court in the land... (posted by Michael 1 year 289 days ago.)
Homeowners Are Protected Against Fraudulent and Deceptive Mortgage Companies.

The Massachusetts Consumer Protection Act is a law which allows consumers to take legal action against unfair or deceptive business activity. M.G.L c. 93A is the Massachusetts statute which is used in order to deal with such matters. Violationof the regulation gives the individual litigant an opportunity to obtain actual damages and equitable relief, the Attorney General may... (posted by Michael 1 year 308 days ago.)