Law Office of James M. Bach

The Consumer Financial Protection Bureau has opened up an inquiry into the model more commonly known as BNPL and is now asking five of the biggest providers in the spaceAffirm, Afterpay, Klarna, PayPal, and Zipfor information about the risks and benefits of their offerings. #BNPL #Buynowpaylater #debt https://finance.yahoo.com//buy-now-pay-later-companies-235

8 Steps to help your senior friends and family avoid Real Estate scams. https://www.miamiherald.com//real-es/article255157802.html

Here’s how a taxpayer’s custody situation may affect their advance child tax credit payments https://www.irs.gov//heres-how-a-taxpayers-custody-situati

NAVIENT will cease servicing Federal Student Loans. This change impacts millions of borrowers. https://www.forbes.com//navient-to-end-federal-student-l/

IRS awards new contracts to private collection agencies. Read on to learn which agencies can legally contact you to collect a tax debt. https://www.irs.gov//irs-new-contracts-awarded-to-private-

Shared sentiment by fellow attorney Ary Rosenbaum: I hate death, I hate talking about death, the whole point of living is not dying. Yet, when it comes to setting things rights, I’ve done the best I can in terms of drafting a will and keep beneficiary forms up to date. As an ERISA attorney, I’ve seen too many fights, too many skirmishes, and too many children hurt, just because someone passed away and didn’t set the beneficiaries right. Nothing stays the same forever, subseq...uent marriages and children can change everything. Money changes everything and the people you originally intended to leave it for, may not share with the people you now intend to leave it for. That’s why that you should set things right, by keeping your beneficiary forms updated.

Beginning September 18, 2021, Fannie announced the company will launch a new feature in its automated underwriting system to incorporate consumers’ rent payments in the mortgage credit evaluation process. #firsttimehomeowner

If you've had to pay a surprise out-of-network medical bill from an in-network provider, this new Law will be a welcomed relief! https://www.cnn.com//surprise-medical-bills-rule/index.html

Are you a first-time homebuyer with student loans? Great news from the FEDERAL HOUSING ADMINISTRATION https://www.hud.gov//press_releases_media_ad/HUD_No_21_103

Estate Planning For Social Media and Electronic Gadgets

Am I too young to have a Will?https://www.jdsupra.com//but-i-m-too-young-to-have-a-will/

Pitfalls of Naming Minors as Beneficiaries https://www.jdsupra.com//pitfalls-of-naming-minors-as-761/

Do I Need to Nominate a Guardian for My Pet?https://www.jdsupra.com//do-i-need-to-nominate-a-guardian/

More than a third of volunteers in a Consumer Reports Study found errors in their Credit Reports. https://www.consumerreports.org//consumers-found-errors-i/