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Employee Pensions
A pension plan is an agreement between an employee, their employer and, for some jobs, the union. Sometimes, the employer contributes and sometimes the employee does as well. Employers are not required to have pension plans. A federal law, the Employee Retirement Income Security Act of 1974 (ERISA), sets the standards for private pensions. It also provides guaranteed pensions in some cases.
Employee Pensions.pdf
Railroad Retirement
The federal Railroad Retirement Board handles this benefit program for eligible workers and their families. General Eligibility Like Social Security, Railroad Retirement benefits are based on months of service and earnings credits. Employees of railroads engaged in interstate commerce, some related industries, railway associations, and national railway labor organizations qualify for Railroad Retirement after 10 years of credited work.
Social Security
The Social Security Administration manages Social Security benefits. Social Security is a federal program providing benefits to eligible workers and their families when the worker retires, becomes disabled, or dies.
How Bankruptcy Can Give You Time To Catch Up On Mortgage Payments
You’ve fallen behind on your mortgage. The bank is demanding payment of the arrearages immediately. You don’t have the money but want to stay in your home. What can you do? First of all this is a common problem. Borrowers who fall behind on their mortgage are often hit with late fees and penalties that makes catching up seem impossible. To make matters worse, once you’ve fallen a few months behind your lender will “accelerate” the loan demanding the full principal balance to reinstate and avoid foreclosure...
What Is the Rule With Cars and Bankruptcy?
In Chapter 13 bankruptcy, you get to keep your car and pay off your car loan through a repayment plan.  Further, you may even be able to reduce the principal balance and interest rate on your car loan. Read on to learn more about what happens to your car in Chapter 13 bankruptcy....
Jointly Owned Property May Be Subject To Forced Sale In Bankruptcy
It is not unusual for debtors, specifically married debtors who file for bankruptcy protection separately, to co-own property. If you co-own property and intend to file for bankruptcy, you need to be aware that the trustee has the authority to force a sale of the entire asset including the co-owner(s) interest...
Drafting the Chapter 13 Plan
A Chapter 13 Bankruptcy is also called a wage earner’s Plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the Debtor ‘s current monthly income is less than the applicable state median, the plan will be for three years unless the court approves a longer period “for Cause .” If the debtor’s current monthly income is greater than the applicable state median, the plan generally must be for five years.
When Your Social Security Benefits are Taken to Pay Back Money to the Federal Government
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.  Please review the guide below for more information.
When_social_sec_benefits_taken_to_fed_govt.pdf

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