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Can A Bankruptcy Save Your House From Foreclosure?

If you are behind on your mortgage but want to keep your house, it may seem counterintuitive to file for bankruptcy. Most people associate bankruptcy with getting rid of their debts; however, a ...
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Compliance with the Truth in Lending Act and Fair Debt Collection Practices Act

One law that we frequently use to recover money for members of the public is the Fair Debt Collection Practices Act, also known as the FDCPA. The FDCPA applies to debt collectors and forbids them from ...
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Could Florida's Hardest Hit Fund Help You Keep Your House?

Florida’s Hardest Hit Fund (FHHF) is a state program under the direction of the United States Treasury that is meant to assist unemployed and underemployed Floridians in avoiding foreclosure. ...
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Is A Loan Modification Right For You?

No one intentionally falls behind on their mortgage. Sometimes circumstances like a job loss, hospitalization, or another financial emergency can devastate your finances and make paying regular ...
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Contracts 101

We handle a variety of cases for a variety of people. Some of our clients are officers of large corporations, and despite what types of contracts they thought they were getting into, those officers ...
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Bureau Fines Citibank for Fraudulent Documents

We fight quite a few debt buyers in our practice and one issue we have to deal with time and time again are debt-buyers who hold up monthly statements for credit card companies and banks and claim ...
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Can An HOA Foreclose On Your Home?

Florida has more homeowner associations (HOAs) and condominium associations (COAs) than any state in the country. With so many people living in a managed community, the state has developed a large ...
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Should You Accept An Offer For "Cash For Keys?"

When a foreclosure sale is imminent, some mortgage lenders will offer the homeowners an incentive called “Cash for Keys.” Under this program, the lender will pay the homeowner cash to ...
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Could Robosigning Affect Your Foreclosure Case?

As part of the mortgage foreclosure process, a lender must prove two things: That the homeowner defaulted on the loan, and that the lender or bank properly owns the mortgage. The lender proves its ...
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Back From The Dead

Banks all too often steamroll our judicial system. They say one thing and then do another, and if that doesn’t work they try again. This is perhaps most frustrating when the Bank has voluntarily ...
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What To Do If You Are Sued By A Debt Collector

If a collection company sues you because of an outstanding credit card debt, medical debt, or other debt, it is important not to panic. While you should take debt collection lawsuits seriously, the ...
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Chapter 7 Vs Chapter 13: Understanding Your Options When Filing Bankruptcy

Bankruptcy helps thousands of people get a financial fresh start every year. If you are considering filing for bankruptcy, you have two options: Chapter 7 bankruptcy, or Chapter 13 bankruptcy. Your ...
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When your case is not "at issue"

We all know that the banks and the Courts are eager to move foreclosure cases along. A fast resolution to these cases obviously helps the bank, but it also cleans up the Court’s docket with ...
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Federal Government Proposes Relaxing TCPA Rules For Government-Backed Loans

The Telephone Consumer Protection Act (TCPA) was passed in 1991 with the goal of protecting consumers from unwanted phone calls, faxes, and other forms of communication. Under the TCPA, debt ...
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Are You Receiving Recorded Messages From Bill Collectors? Learn More About Your Options

If you have outstanding bills for medical expenses, credit cards, or other debts that you cannot pay, then chances are good that you are familiar with phone calls from bill collectors. Debt collectors ...
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Getting Text Messages After You Opted Out? You May Have A TCPA Claim

Nearly everyone has received an unwanted text message from an advertiser or a business. Sometimes, your telephone number gets onto a list that is sold to advertisers, and other times you may have ...
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Understanding Short Sales

Sometimes when a homeowner is underwater on a home mortgage the best option is to sell the house rather than face foreclosure. However, as a result of the 2007 real estate crisis, many homeowners have ...
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How Long Does A Bank Have To Foreclose On A Delinquent Mortgage?

Financial circumstances change all the time, and it is not unusual for homeowners to fall behind on a mortgage. Whether it is a job loss or unexpected bills, sometimes the money to make a mortgage ...
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Chapter 13 Debt Limitation

Chapter 13 bankruptcy has a monetary debt limit of $1,149,525 of secured debt and $383,175 of unsecured debt. These limits are set by the federal Bankruptcy Code and are adjusted every three years ...
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Florida Tops Nation For Completed Foreclosure Sales

According to the Orlando Business Journal, Florida leads the entire country in the number of completed foreclosure sales for the last 12 months ending in January. Florida completed over 74,000 ...
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How Long Does A Bankruptcy Affect Your Credit?

Bankruptcy allows thousands of individuals to get out from underneath crushing debt. While the bankruptcy process does allow consumers to get a fresh financial start, a bankruptcy can also affect your ...
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How To Clean Up Your Credit Report

Your credit score has a massive impact on your life. Everything from applying for a credit card, to buying a home, or even getting a rental car can depend on the state of your credit report. For that ...
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What To Do When The Bank Schedules A Sale Date For Your Home

It can be difficult to deal with foreclosure and the possible loss of your home. Many people are unable to face the seriousness of their situation and avoid dealing with the problem until it is almost ...
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Avoiding Auto Dealership Scam

I just met with another individual who appears to be the victim of a scam by a car dealership and this seems like as good a time as any to warn others about it. The consumer went to a car dealership ...
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2016 Challenge

I challenge you to accept my New Year Expense Cleanse Challenge. Evaluate all your expenses and try to find ways to decrease your expense amounts. For example, with your cable, if you find yourself ...
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