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Warren R. Grahamis an attorney specializing in Bankruptcy and Creditors' Rights. Additional information>
E-mail: wgraham@ctswlaw.com
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 Happy Holiday? Bah, Humbug!The author argues against the "Christmas-ization" of Hanukkah amongst American Jews, and the neuterization of both religious occasions into a generic "holiday" season. The American Consumer as Bankruptcy RoadkillThe author argues that the bankruptcy laws enacted in recent years will harm middle class consumers, as difficult financial conditions lead to economic distress for the public. It's the (sub-prime) Economy, Stupid!The author argues that the Sub-Prime problems have begun to spread to the general economy as well as the credit and equity markets A Sub-prime Economy?The author argues the likelihood of relaxed lending standards, a declining housing market, and loss of American economic leadership in the international arena leading to more difficult times ahead If at First you Don't Succeed - Surrender!The author argues that regardless of the justification of the War in Iraq, unilateral withdrawal which, in substance, amounts to surrender is not a viable option as U.S. Policy. Smelling Blood in the WaterThe frothy real estate market is noticably and dramatically softening in a way that is reminiscent of the latter days of the overblown dotcom phenomenon, and opportunity may await those with patience to keep their powder dry pending better opportunities in the next year or two. Financial "Perfect Storm" Brewing Over America's Middle ClassA weaker housing market is the final element of a confluence of economic currents which, if left unchecked, may well lead to a financial debacle for America's Middle Class Homeowner. This can be averted only with luck, or by timely action at the State and Federal Legislative and Regulatory levels. Bankruptcy Backfire! Is Bankruptcy "Reform" Biting the Hand that Fed it?Bankruptcy Reform may be backfiring on those who funded it: banks and credit card issuers, as reduced usage and balance reduction, by those who can manage it is hurting the profit centers, while obstacles to others will, the author submits, lead to calls for revisions to protect consumers. With Liberty and Justice for All—Even RepublicansThe erosion of civil liberties is an issue that needs more public discussion, whether or not one agrees with the Bush Administration's War on Terror and policies in Iraq, as the author does. The issue is vital to all Americans all across the political spectrum. Landlords Rejoice! The Bankruptcy Code Loves YouCertain changes in the bankruptcy laws, which were enacted 'under the radar screen' afford dramatic improvements in the rights of commercial landlords, at just the time when they might come in handiest, due to a slowing economy and softer real estate values.
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