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Climate change poses an imminent threat to the mortgage industry. In recent years, extreme storms, natural disasters, and precarious shifts in climate are damaging homes in areas where borrowers might not have invested in flood or fire insurance. According to CoreLogic, mortgage delinquencies on damaged homes increased more than 200%…

If you fall behind on mortgage payments, Chapter 13 bankruptcy may help. Chapter 13 bankruptcy was designed to help homeowners catch up on payments and potentially keep their homes. Immediately upon filing bankruptcy, protection referred to as the Automatic Stay takes effect, shielding debtors (this is how the court refers…

In our connected world, social media is omnipresent and many people post frequent updates of their daily activities, family events, likes and dislikes on almost every possible topic. We can create a significant online biography by just posting regularly. Social media can be a wonderful platform to connect with friends,…

After being named the longest government shutdown in history, the government finally opened its doors back up temporarily until February 15th–pending approval of budgetary needs for the President’s wall-funding request. During this tumultuous shutdown, many federal workers went without pay. Approximately 800,000 workers were furloughed, and according to Inman–leading news…

In this era of data breaches and stolen identity, it is not uncommon to receive the dreaded call or letter stating that someone has opened a credit card or line of credit in your name. While informing the creditor that the account does not belong to you is a necessity,…

Florida Statutes §702.12, Coming on October 1, 2018, May Create a Streamlined Foreclosure Procedure against Borrowers who have Previously Filed for Bankruptcy Protection If you are a borrower who has previously filed for bankruptcy protection and you are now potentially looking at possible foreclosure action by your lender after October…

With credit scores and a history of ever-growing importance, it is not unexpected that there are sectors created to capitalize on the lack of credit or even the bad credit of consumers. One fringe industry that has gained notoriety for exploiting the lack of credit or bad credit of consumers…

There is no question that YouTube, HGTV, and other such programs have sparked the imagination and encouraged the prevalence of a “do-it-yourself” or DIY approach. You can literally find anything online from the best way to give yourself a haircut to building a house in a matter of seconds. With…

Courts in the United States cannot enter a ruling on anything that a judge finds interesting or on any matter that a judge thinks is important. There are several requirements before someone can bring a lawsuit to a court, one of which is that they have to have an actual…