Se Habla Español | Nou Pale Kreyòl

Blog Posts in March, 2017

36 results found. Viewing page 1 of 2. Go to page 1 2   Next

Do not give up

It is the beginning of the year and many desire the fresh start the New Year promised. But, not everyone’s New Year has brought in all they expected. Many people who determined they were going ...
Continue reading "Do not give up" »

Trial Payments And Loan Modifications

Once an application for a mortgage loan modification is accepted, a lender usually requires a borrower to make a series of trial modification payments to demonstrate the ability to once again pay the ...
Continue reading "Trial Payments And Loan Modifications" »

Dismissal Of Bankruptcy Cases Under § 521

When bankruptcy debtors do not file all of the documentation required by federal law, they face the dismissal of their bankruptcy case under § 521 of Title 11, also known as the Bankruptcy Code. ...
Continue reading "Dismissal Of Bankruptcy Cases Under § 521" »

Future of the CFPB in Question

I have written a lot about the Consumer Protection Financial Bureau(CFPB) and all that it does to help protect consumers. The newly appointed treasury secretary has signaled that he may be trying to ...
Continue reading "Future of the CFPB in Question" »

What Unfiled Tax Returns Mean For Chapter 13 Bankruptcy Debtors

Prospective clients considering bankruptcy often ask if it is possible to file a Chapter 13 bankruptcy case with outstanding, unfiled tax returns. Filing a bankruptcy case with delinquent tax returns ...
Continue reading "What Unfiled Tax Returns Mean For Chapter 13 Bankruptcy Debtors " »

Chapter 7 Bankruptcy Cases, Tax Returns And Refunds

Filing a bankruptcy case while having unfiled tax returns may cause significant problems for bankruptcy debtors in any type of bankruptcy case, whether filed under Chapter 7, 11, or 13. In Chapter 7 ...
Continue reading "Chapter 7 Bankruptcy Cases, Tax Returns And Refunds" »

Meeting of Creditors

The filing of a bankruptcy can be an intimidating and overwhelming process, if not carefully planned. For many, the decision to file has come only after the realization that they can no longer stay ...
Continue reading "Meeting of Creditors" »

Filing Tax Returns And Filing Bankruptcy

Filing a bankruptcy case without filing any outstanding tax returns is never a good idea, and typically causes problems for bankruptcy debtors. In any type of bankruptcy case, whether filed under ...
Continue reading "Filing Tax Returns And Filing Bankruptcy" »

Does a Servicer Have to Dismiss Their Case When They Have Received a Complete Modification Application from a Borrower?

Section 12 C.F.R. §1024.41(g) covers issues regarding what is referred to as “dual tracking”. “Dual tracking is the term given to situations in which the lender actively pursues ...
Continue reading "Does a Servicer Have to Dismiss Their Case When They Have Received a Complete Modification Application from a Borrower?" »

How A Judgment Creditor May Take Your Damages Award

Some of us are lucky enough to avoid court for an entire lifetime, and some of us are not. An individual may contemporaneously be a plaintiff in one action and a defendant in another. A civil judgment ...
Continue reading "How A Judgment Creditor May Take Your Damages Award" »

Consider Alternatives To Payday Loans

A payday loan is a short-term loan in which a lender provides funds to a borrower in exchange for a post-dated check, which includes the loan principal, interest rate, and fee. The lender agrees to ...
Continue reading "Consider Alternatives To Payday Loans " »

Social Security Income That Is Out of Creditor's Reach in Bankruptcy

In 2005, congress overhauled the bankruptcy code by passing the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Central to this was the enactment of the means test. A list of 14 ...
Continue reading "Social Security Income That Is Out of Creditor's Reach in Bankruptcy" »

What If I Can't Repay My Payday Loan?

Under Florida state law, borrowers are given a 60-day grace period if they are unable to repay a payday loan on the date of scheduled repayment. To qualify for this grace period, borrowers must: (1) ...
Continue reading "What If I Can't Repay My Payday Loan?" »

Payday Loans In Florida

Most people know what a payday loan is. Payday loans, technically known as deferred presentment lending, involve a lender making an advance payment on a borrower's post-dated check. In return for ...
Continue reading "Payday Loans In Florida" »

Facing A Foreclosure Auction?

Unfortunately, many clients come to our office after a foreclosure auction arising out of a Final Judgment of Foreclosure wishing to save their home. These clients cannot file a bankruptcy since the ...
Continue reading "Facing A Foreclosure Auction?" »

Options For Debtors Who Fall Behind On Chapter 13 Plan Payments

In the period between the filing of a Chapter 13 plan and its confirmation, debtors may fall behind making their monthly plan payments. Eventually, the local assigned Chapter 13 bankruptcy trustee or ...
Continue reading "Options For Debtors Who Fall Behind On Chapter 13 Plan Payments" »

Consequences Of Failing To Make Chapter 13 Plan Payments

When individuals file a Chapter 13 bankruptcy case, they assume the role of Chapter 13 debtors. As such, they are usually required to start making Chapter 13 plan payments roughly one month after the ...
Continue reading "Consequences Of Failing To Make Chapter 13 Plan Payments" »

Loss Mitigation And Foreclosure

Reducing the effects of losing a home is a daunting, thought to every homeowner. After attempts at a loan modification or refinancing fail, feelings of hopelessness, despair, and surrender are much ...
Continue reading "Loss Mitigation And Foreclosure" »

Foreclosure Sales and Timely Filing for Bankruptcy

Occasionally, a mortgage loan borrower is faced with an upcoming foreclosure sale date of his or her home and has already exhausted all options at the state court level to attempt to cancel the ...
Continue reading "Foreclosure Sales and Timely Filing for Bankruptcy" »

Timing Is Everything: When And How Is A Bankruptcy Attorney Paid?

An attorney's fees for representing a debtor in a bankruptcy case are not set by the bankruptcy court. They may be approved by the court in some situations but debtors and attorneys are free to ...
Continue reading "Timing Is Everything: When And How Is A Bankruptcy Attorney Paid?" »

Foreclosure Judgments Are Final

Florida foreclosures are judicial, which means that a lender must bring a lawsuit to obtain a judgment of foreclosure and sell the property to satisfy the underlying mortgage debt. The action proceeds ...
Continue reading "Foreclosure Judgments Are Final" »

Can I Amend My Bankruptcy Documents?

Everyone makes mistakes. Bankruptcy debtors make mistakes on their schedules, statement of financial affairs, even their petition. To reverse a mistake, bankruptcy debtors may correct, or amend these ...
Continue reading "Can I Amend My Bankruptcy Documents?" »

Largest Student Loan Servicer Sued by CFPB

The Consumer Protection Financial Burea(CFPB) just filed a lawsuit against the larges student loan servicing company in the country, Navient, formally known as Sallie Mae. Navient was accused of ...
Continue reading "Largest Student Loan Servicer Sued by CFPB" »

Student Loan Assistance Scams

There are legitimate companies that offer useful, recognizably valid services to student loan debtors and are forthright and upfront about charging an appropriate fee. The attorneys at Loan Lawyers ...
Continue reading "Student Loan Assistance Scams" »

Debt Collector Loses Case But Fails to Recover Fees

One law which protect members of the general public is the Fair Debt Collection Practices Act(“FDCPA”), a Federal law which prohibits a wide variety of harassing and abusive practices by ...
Continue reading "Debt Collector Loses Case But Fails to Recover Fees" »
36 results found. Viewing page 1 of 2. Go to page 1 2   Next
  • ABC News
  • American Civil Liberties Union
  • CBS 4
  • CNN
  • Daily Business Review
  • Florida Trend's - Florida Legal Elite 2014
  • Florida Trend's - Florida Legal Elite 2014
  • National Association of Consumer Advocates
  • National Association of Consumer Bankruptcy Attorneys
  • NBC News
  • National Consumer Law Center
  • The New York Times
  • Avvo
  • Avvo
  • Avvo
  • Avvo
<div class="video-wrap"> <object type="application/x-shockwave-flash" data="/Shared/videovault/lt/player.swf" width="100%" height="100%" bgcolor="#000000" id="FlashSWF045327554480172694" name="FlashSWF045327554480172694" tabindex="0"><param name="allowfullscreen" value="true"><param name="allowscriptaccess" value="always"><param name="seamlesstabbing" value="true"><param name="wmode" value="opaque"><param name="flashvars" value="netstreambasepath=http%3A%2F%2Ffight13com.scorpionlocal.com%2FAdmin%2FLayout%2FTemplate.aspx%3FT%3D45313%26preview%3Dfalse%26edit%3Dfalse%26editlayout%3Dfalse%26pageid%3D5538965&id=FlashSWF045327554480172694&file=%2Fmedia%2FBeing_harrassed_by_debt_collectors.mp4&image=/media/vpics/Loan-Lawyers-TV-Commercial-Stop-the-foreclosure_20140918044522.png&skin=glow&levels=%5B%5BJSON%5D%5D%5B%7B%22bitrate%22%3A185%2C%22file%22%3A%22%2Fmedia%2F150%2FBeing_harrassed_by_debt_collectors.mp4%22%2C%22width%22%3A0%7D%2C%7B%22bitrate%22%3A236%2C%22file%22%3A%22%2Fmedia%2F400%2FBeing_harrassed_by_debt_collectors.mp4%22%2C%22width%22%3A0%7D%2C%7B%22bitrate%22%3A349%2C%22file%22%3A%22%2Fmedia%2FLoan-Lawyers-TV-Commercial-Stop-the-foreclosure.mp4%22%2C%22width%22%3A0%7D%5D&controlbar.position=over"></object> <a href="/Video-Center.aspx" class="videoBtn">More Videos</a> </div>