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  • The Mortgage Forgiveness Debt Relief Act of 2007
    In December 2007, the federal government enacted the Mortgage Forgiveness Debt Relief Act. The Act was meant to provide tax relief to taxpayers who had debt forgiven on their primary residence and to help struggling homeowners.    The Purpose of the Mortgage Forgiveness Debt Relief Act   The idea behind the law was to help homeowners avoid foreclosures by not taxing them … more
  • South Dakota a Favorite State for Credit Card Companies
    Do you ever wonder why your Citibank credit card bill comes from South Dakota, and your payment goes there as well, when you know that Citibank is headquartered in New York?  It is because of a combination of federal law and 50 different state laws that allow a bank in New York to use a South Dakota address to bill a customer in California. Usury Laws Many states have a usury law which … more
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