Karina Lucid

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So far Karina Lucid has created 77 blog entries.

2011 – I Opened Lucid Law, and Other Major Events

Some days, it is hard to imagine what life was like before the coronavirus pandemic.  Sometimes I have trouble remembering what happened two years ago, let alone 10 years ago!  LOL!    But there is one thing I can remember for sure from 2011, and that is that I opened Lucid Law! As I was thinking about this huge landmark in [...]

Karina Lucid Understands Business

Karina Lucid has been practicing bankruptcy law for 18 years and has had her own office since April 2011. Before going to law school, Karina was operating as a manager for her family’s retail flower business. So, she has been in the small business sector since she was 17 years old. Although Lucid Law focuses on all aspects of consumer [...]

3rd Stimulus Payments Are on the Way

There is good news for millions of Americans with financial hardship. The next round of stimulus payments is on the way. Stimulus money is showing up in bank accounts and checks will soon be arriving in the mail. However, there is also some bad news. Unlike the first two rounds of stimulus, this round is not safe from creditors. In [...]

Is the Low-Cost Bankruptcy Attorney More Affordable?

Over the years, far too many clients have come to me to fix avoidable problems. They have tried to deal with financial issues on their own. Or worse yet, they relied on counsel only to be left in a worse position. There are many bankruptcy lawyers who market themselves as providers of low-cost bankruptcy services. Some in our industry, refer [...]

Mortgage Forbearance, Loan Modifications & Refinancing

I came across an article on Yahoo Finance about mortgage payments during the pandemic. The title of the article is Joe Biden just gave homeowners an even longer break from mortgage payments. Basically, the article discusses the extension of the government’s mortgage forbearance program. This program was put in place so people can keep their homes during the COVID-19 financial crisis. Please refer [...]

Lucid Law Participates in America Saves Week

Lucid Law is participating in America Saves Week which is February 22 - 26, 2021. During the week, there will be the following themes: Monday, February 22, 2021 - Save Automatically Tuesday, February 23, 2021 - Save for the Unexpected Wednesday, February 24, 2021 - Save to Retire Thursday, February 25, 2021 - Save by Reducing Debt Friday, February 26, [...]

2021-02-27T15:40:31+00:00Budgeting|

Fair Debt Collection Practices Act and You

What is the Fair Debt Collection Practices Act? Why do you care? Or why should you care? The answer is quite simple – the Fair Debt Collection Practices Act protects you, the consumer. Also known as FDCPA, this Act was created by the Federal Government to protect people from unscrupulous collections agencies and debt collectors. Basically, the FDCPA aims to [...]

Mental Health and Money

I read an article in Real Simple Magazine last year that stuck with me, Your Most Complicated Money Feelings, Resolved. I know that mental health and money can go hand-in-hand.   The opening line reads: Money can be emotional. Experts say the first step in sorting out your finances is sorting out your feelings. The article goes on to address [...]

2021-02-04T18:46:40+00:00Bankruptcy|

High Unemployment & Consumer Confidence – What Gives?

Unemployment is at record highs. Consumer bankruptcy filings are at historic lows. And consumer confidence is high. What is going on? A recent episode of The Indicator from Planet Money and NPR sheds some light on the situation - check out Why Consumer Confidence is So High. People thought the pandemic was going to be as bad as the Great Depression [...]

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