How Can Bankruptcy Affect Your Retirement Benefits?

If you must file for Chapter 7 or 13 then you can breathe easy because you will be allowed to keep your retirement plan funds and your pension. However, there are limitations. Exempt Retirement Accounts Please remember if you must file bankruptcy, you will not lose everything. There are bankruptcy exemptions that help protect you and some assets. In 2005, Congress redid the bankruptcy laws. Almost all ERISA-qualified retirement accounts along with pension funds are now exempt so creditors cannot … Continued

A Letter of Foreclosure: What Does it Mean?

Are you facing foreclosure?  Have you received a certified foreclosure letter sent from a lender or attorney?  The letter typically means that you have fallen behind on your payments and the lender plans on pursuing foreclosure proceedings to sell off the property to gain back the late payments and the balance owed on the mortgage. However, there are a series of legal milestones that must take place. Within the Notice of Default, you will find solutions that cover your past-due … Continued

What To Do If You Are Stopped By The Police

If you have been drinking or smoking marijuana this is not a good time to be talking to the police! They are going to smell the marijuana or the alcohol coming from the car. Both are going to perk the interest of the police officer. When You’re Pulled Over For OUI Roll the window down about two inches, enough to pass your license and registration out to the officer. If he asks you to roll your window down further, nod … Continued

Held Without Bail and Pretrial Release Hearings in MA

What Does Held Without Bail Mean? If you or someone you love have been held without bail, it means the court has determined one or both of the following: 1. No conditions of release can reasonably assure the defendant’s future appearance in court, and/or 2. The defendant poses a danger to specific individuals or to the community at large. Being held without bail in Massachusetts could also mean the defendant has been charged with capital murder, an offense for which … Continued

What is Cybercrime?

Cybercrime covers a vast and growing array of criminal activities that utilize computers, digital devices and the internet. Cybercrimes also include traditional crimes that are increasingly committed online, such as stalking, harassing, fraud and identity theft. Cybercrime Definition Cybercrime is defined as a crime in which a computer is the object of the crime (i.e. hacking, phishing, spamming) or is used as a tool to commit a criminal offense, as with child pornography, cyberbullying or cyberstalking. Cybercrime may also be … Continued

Laws Against Hazing in Massachusetts

Hazing is illegal in Massachusetts. Although most of us think of college hazing and frat movies such as the cult classic “Animal House” when we hear the word, it’s important for parents and students to understand that hazing is not limited to Greek life college fraternity systems. Hazing Definition A generally accepted hazing definition is the participation in humiliating and dangerous initiation activities that are imposed upon a candidate or pledge for membership into an exclusive group. College fraternities and … Continued

Massachusetts Marijuana Laws: Up-to-date

Massachusetts marijuana laws have been finalized and implemented, for the most part, as of 2019. Recreational use in specified amounts is legal in the Commonwealth, with some important restrictions. However, it is never legal to drive while high or to consume or smoke marijuana in public. Here is what you need to know now when it comes to marijuana use in Massachusetts. MA Recreational Marijuana Law for Adult Marijuana Use Consumption of marijuana is limited to adults over 21 years … Continued