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The internet is flooded with a myriad of articles, videos, studies etc. on competing theories for the repayment of debt. These theories range from the debt snowball to the debt avalanche to the debt tsunami to quite a few others. Many of these strategies address both the financial and psychological…

In the ever-changing landscape of consumer protection, courts around the country are constantly coming out with new case law regarding whether certain communications are attempts to collect a debt as defined by the Fair Debt Collect Practices Act. Recently, a Judge in the Southern District of Florida denied a defendant’s…

The most commonly filed bankruptcy chapter are chapter 7 and chapter 13, so we will compare these two in this article. Aside from these two chapters, chapter 11 is available for businesses or individuals who do not qualify for chapter 7 or 13; chapter 12 is available for farmers and…

Our office handles cases both large and small. We regularly help people who owe smaller debts and appear in small claims court, we also regularly help people save homes and handled cases with the amount in dispute in the millions. We are pleased to report that we just won a…

A consumer in California had a big win under the FDCPA recently in the case of Richard Washington v. City Title Loan LLC. In that case, the plaintiff, Mr. Washington was the victim of identity theft. A fraudster used Mr. Washington’s personal information to take out a loan for $7,500.00,…

If home is where the heart is, then it is not a stretch of the imagination to see why losing your home at a foreclosure sale can be particularly heartbreaking. Despite the heartbreak, once the home is sold at the foreclosure sale, that is the end of this chapter of…

It is no secret that an undergraduate or graduate degree can be expensive. For most students, the only way to afford to obtain either or both is to finance their education through student loans. Student loans may be private or federal. The distinction between both is that federal loans are…

Commonly, homeownership represents the biggest investments for consumers. Throughout the course of homeownership, there are a number of terms that are important to know in order to help to protect that investment. Here are a few: Mortgage vs. Note: Both of these documents are signed together at closing and may…

An interesting decision was issued recently by the Third District Court of Appeals, the case of Tatis v. Allied Interstate, LLC. In the case a debt collector sent a letter to a debtor offering to settle on a very old debt and take less than was actually due. Except that…