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Don’t Fall for Foreclosure Relief Scams
People find themselves deeply in debt for a number of reasons. Some have been downsized at work, while others have suffered an injury that leaves them disabled and unable to work. Before they know it, creditors are calling all the time and they stress about how they...
I’m Struggling With Debt: Will Calling My Bank Actually Help?
Everyone goes through tough times. For some people, the tough times seem endless. Late notices, missed payments, collection calls, all reminders of just how difficult things actually are. For many people, this constant bombardment of debt makes them want to hide, not...
Tips to Avoid Foreclosure Rescue Scams
Just because the economy seems to be bouncing back doesn’t necessarily mean American families are out of the woods when it comes to their mortgages. Many struggling families found themselves the victims of foreclosure rescue scams. For these families, the pain and...
What Are the Alternatives to Foreclosure?
Facing foreclosure is one of the most difficult and scary events you can go through. When families fall behind and hit a point of financial struggle, their lender may start the process of legally repossessing their home. For most, the difficulty of financial struggle...
Co-Signers Are on the Hook After Bankruptcy
Sometimes we all need some extra help. For individuals looking to rebuild credit, a vehicle loan often requires a co-signer. While the hope is that your situation has changed enough that eventually you won’t need to depend on someone else’s credit, it is not always...
Discuss The Short Sale Benefits With Your Miami Real Estate Attorney
Although a short sale (selling your home for an amount lower than the outstanding mortgage) is not exactly a “win-win” for you and your lender, but it has certain benefits that your Miami real estate attorney can discuss with you. Most importantly, you will benefit...
REALITY SHOW STAR MAY FACE JAIL TIME
Filing a bankruptcy petition is a lengthy and complex process. Without the experienced eyes of an attorney looking things over, it is easy for the novice petitioner to miss things or exclude information. Accidentally leaving things out of your petition probably won't...
Filing Bankruptcy As a Senior Citizen
The financial struggle can affect anyone at any stage of life. For seniors, dealing with financial struggles while in retirement can make them concerned about what assets may be at risk of creditors. While bankruptcy may seem like the only option, speaking to an...
BANKRUPTCY HELPS CAPITALISM
Things change over time. From social norms to state laws, the way things were 80 years ago is not the way they are now. Not only has our view on fashion and politics changed, but so has our view on debt and finances. According to an article in USA Today, our modern...
USING THE BRUNNER TEST TO DISCHARGE STUDENT DEBT
Many people that file bankruptcy believe that student loans can't be discharged or even included in their filings. The truth is that while less than 1 percent of filers include their student loan debt in their bankruptcy petition, roughly 40 percent that do, get their...
HELP FOR WHEN YOU FALL BEHIND
Facing a financial crisis is one of the scariest events an individual or family can go through. Many times the individual facing the crisis will experience anxiety, depression or anger. Going through this alone can intensify these feelings, especially if they are...
WHO COMMITS MORTGAGE FRAUD?
Any type of misstatement or misrepresentation on a mortgage document is considered mortgage fraud. Mortgage fraud can be done at the hands of both buyers and the professionals they work with. Brokers, real estate agents and appraisers are just a few examples of...
WHAT SHOULD I BRING WHEN MEETING WITH A BANKRUPTCY ATTORNEY?
Taking the step to meet with a bankruptcy attorney can be extremely scary. Chances are, if you have come to this point you have experienced your fair share of struggle and harassment. While most attorneys are prepared to evaluate your case and offer suggestions, their...
3 THINGS TO KNOW ABOUT LOAN MODIFICATIONS
There are many reasons you might seek a loan modification. In most cases, the reason stems from something you can't control or prepare for, like the loss of a job or an unexpected illness. These hardships could make it difficult to pay your important bills, like your...
FIVE WAYS TO AVOID FORECLOSURE
When a foreclosure happens, no one truly wins – not the bank, not the real estate market and certainly not you. In a foreclosure, the bank typically takes a loss on their loan, the market receives a property that cannot be sold for top value, and you lose the most...
CAN I LOSE MY JOB IF I FILE BANKRUPTCY?
For many people considering bankruptcy, the real question isn’t whether or not they should file, it’s what should they expect after their bankruptcy has been discharged. Bankruptcy filers should always expect their credit to take a pretty major hit. In most cases,...
HOW CAN I AVOID REPOSSESSION?
Chances are, if you have hit hard times financially, you may also be facing repossession of your vehicle. Despite what you may think, your lender wants you to keep your car, and if making timely payments or catching up on your loan is out of the question, you may want...
UNDERSTANDING THE MEANS TEST CALCULATION
One of the biggest concerns for individuals wishing to file bankruptcy is knowing whether they are eligible for Chapter 7 or Chapter 13. Before 2005, qualifying for Chapter 7 bankruptcy was relatively easy. However, after the Bankruptcy Protection Act of 2005 was...
CAN I STAY IN MY HOME DURING FORECLOSURE?
When financial hardship has reached the point of foreclosure, many individuals find it difficult to fight against what they believe is inevitable. It is quite common for individuals that are facing foreclosure to be extremely frustrated, depressed or even scared. Not...
THERE MAY BE OTHER OPTIONS WHEN FACING FORECLOSURE OF YOUR HOME
We work hard to provide for our family. One of the most significant ways we do this is by purchasing a home. When we buy a home, we expect that we will be able to keep that home. One of the most stressful situations we can face is the thought of losing the home we've...
WHAT HAPPENS IF I IGNORE DEBT COLLECTORS?
Debt collectors can cause significant anxiety. When you get so behind on payments that you ultimately resign that you cannot pay and block the calls as they come in, will they ever just go away? What is the worst that can happen? What is most likely to happen? Like...
ARE HOME EQUITY LOANS A SOLUTION TO DEBT?
A mortgage can be an incredibly hard loan to manage. Unless you have stellar credit, paid a big down payment, bought a budget-friendly house and managed to avoid monster tax payments, you likely found yourself committing to an uncomfortable monthly mortgage payment....
HOW DO YOU KNOW WHEN IT IS TIME TO FILE FOR BANKRUPTCY?
First, you are not alone. You are not a failure. You are not the only person who has been hit by a tough economy and financial decisions that didn't go as planned. You are not the only number your creditors are calling, even though it may seem they couldn't possibly...
GET YOUR FINANCES STRAIGHT NOW AND BUY LATER
There is no arguing the interconnectivity of our global economy. When something major happens outside the U.S., so often for us it means a change is coming, whether it is to our gas prices, stocks or interest rates. In this case, with Britain's decision to depart from...