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Legal FAQs


Among factors that can help lead to a forgiven, canceled or discharged loan are physical or mental ailments or an income that is dwarfed by the size of the loan. Other factors include whether you have dependents, if your work experience or degree isn’t likely to increase your earning power, whether you kept in contact with your lender, if you tried to make payments and whether your jurisdiction applies the totality-of-circumstances test rather than the undue hardship test.


When shopping online, be sure to make your purchases through a legitimate retailer. Pay with a credit card, not a debit card, on a website that you know is secure (one that begins with “https” and has a locked padlock icon). Keep a record of all transactions, and review your credit card bill for accuracy. In general, be wary of any Internet, mobile or email offers trying to obtain your financial information in exchange for a “deal.”


If you can come up with a visitation plan and get your former spouse to agree, all you need to do is submit a stipulation document to the court with the change. If a former spouse will not agree to the plan, you may need to file a petition for relocation which is usually more time-consuming as it works its way through the legal process. The courts typically consider the best interests of the child when deciding these types of cases.


President Obama’s executive action on immigration provides a three-year reprieve from the threat of deportation for immigrant parents of children who have legal status. Unfortunately, scams have already begun to surface perpetrated by those wanting to make a quick buck at the expense of innocent victims. Before hiring a provider, check with the Illinois Attorney General’s Office to see if the company you are considering is registered. Immigration service providers must register unless they are licensed attorneys or a recognized nonprofit organization.

Your Rights

Yes, this is a practice allowed by law when both parties agree, but many lawyers advise against the arrangement, noting that there are limits on confidential communications that are inherent in a dual agency situation. Lawyers are prohibited from representing both the buyer and seller in a transaction.


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