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WHY AVOIDING FORECLOSURE IS SO IMPORTANT
Most people have at least a cursory knowledge of what foreclosure is. When you are unable to make your mortgage payments for some specified amount of time, you lose your home. But who do you lose your home to, and what options might you have to avoid foreclosure? What...
BANKRUPTCY IS A CURE, NOT A DISEASE
Bankruptcy. Isis. Foreclosure. If the first and last words invoked the greatest fear in you, that probably means you have a very real concern about your finances. Of those circumstances, bankruptcy and foreclosure may be the events that affect you and not someone else...
HOW DO I KNOW IF FORECLOSURE IS IMMINENT?
Buying a home is easily one of the most significant financial purchases many people will make in their lifetime. While entering into the world of real estate can be fun, you also usually set about looking with an idea of what you can afford, either by sitting down...
IS THERE A WAY TO DISCHARGE TAX DEBT?
When you file for bankruptcy, you do so with the understanding that not all of your debts will be discharged. In truth, there are still a few debts you will have to pay. This remains true regardless of what type of bankruptcy you file. However, some taxes that you may...
HOW BANKRUPTCY MAY PREVENT EVICTION ON YOUR RENTAL
There are many positives that come from a bankruptcy. While the connotation around a bankruptcy was once stigmatized, it now is more commonplace and accepted, especially with the volatility of the economic climate. You were not alone in believing the favorable...
THE INTENTION OF A BANKRUPTCY DECLARATION
When you realize filing for bankruptcy is a necessary option, you may feel a sense of panic that you may lose your family home and the car on which you rely. The great thing about living in our state is that Florida offers a homestead exemption to prevent its...
RECOGNIZING A MORTGAGE RELIEF SCAM
So you're down on your luck, lost your job three months ago and you still can't find work. Unfortunately, the mortgage bills, credit card statements, overdraft notices, utility bills and grocery bills keep piling up and you're not able to pay them. Financial stress...
HOW TO DETERMINE IF A LENDER HAS VIOLATED THE FAIR LENDING ACT
There have been many people around the United States who have found themselves in the midst of a financial disaster. During this time, money is tight, debt is piling up and they are at risk of losing their property. Should anyone be experiencing difficulty paying...
YOU CAN PUT AN END TO HARASSING CALLS FROM DEBT COLLECTORS
Earlier this month, The Buffalo News published an interesting article that provided some tips on how consumers can finally put a stop to the continuous calls they receive from debt collectors. These days, it seems as if the moment someone becomes delinquent on a loan...
RISING CONDO FORECLOSURES CAUSED BY MORE THAN JUST FINANCIAL SETBACKS
The Washington Post recently reported on the rising number of condominium foreclosures due in part to the most recent economic recession, but also due to poor management of condominium communities. Low condo prices - often due to foreclosures - attract buyers,...
DON’T JUST IGNORE DEBTS YOU CAN’T REPAY, CREDITORS CAN SUE
Last year was tough for Florida residents. The state saw a dramatic increase in foreclosures and bankruptcy filings, and home values continued to plummet. Unemployment has remained high during the beginning of 2011, and individuals are struggling to keep up with their...
FLORIDA COLLECTION AGENCY ATTEMPTS TO CONTACT CONSUMER ON FACEBOOK
Creditor harassment has been a growing problem as more consumers face financial struggles in today's economy. Florida consumers have received collections calls at all hours of the day including at work and at home. Collection agencies have even contacted friends,...
HOW FORBEARANCE CAN HELP YOU AVOID FORECLOSURE
When people are on the verge of losing their home, they may feel as though there is not much they can do to save it. Despite how helpless a person may feel in this particular situation, they do have options as to how they can avoid foreclosure. Bankruptcy, which is a...
DEBT COLLECTION AGENCY ORDERED TO PAY $2.8 MILLION IN PENALTIES
Collection agencies are required to abide by federal debt collection laws. However, collection agencies also assume that most consumers are not aware of collection laws or that consumers will take the initiative to report creditor harassment. After a collection...
COMPLAINTS AGAINST DEBT COLLECTORS UP 17 PERCENT IN THE U.S.
With the number of Americans struggling with debt in today’s economy, many have been contacted by creditors and debt collectors regarding unpaid bills and delinquent accounts. However, debt collectors often turn to using threatening tactics in order to collect...
HOW THE WELLS FARGO SCANDAL IMPACTS POTENTIAL MORTGAGE BORROWERS
Concerned Wells Fargo customers ask whether the bank or credit accounts opened without their permission will hurt their credit rating. More specifically, some are concerned whether these fraudulent accounts will prevent them from buying a home. This situation with...
FLORIDA CONSUMERS STILL STRUGGLING WITH CREDIT CARD DEBT
Much of the discussion on our Miami bankruptcy law blog has focused on the financial struggles of those who own a home in Florida. After home values tanked across the nation, Florida homeowners discovered that they were hit especially hard in the foreclosure and real...
FLORIDA COLLEGE SETS LOWER LIMITS ON SOME STUDENTS’ FEDERAL LOANS
Some Florida college students may soon be worried about being able to complete their education. Last week, the board of trustees at Florida State College at Jacksonville agreed to set their own limits regarding how much some students can take out in federal loans....
FLORIDA COLLEGE SETS LOWER LIMITS ON SOME STUDENTS’ FEDERAL LOANS, CONT.
Last week our Miami bankruptcy law blog discussed how Florida State College at Jacksonville agreed to set their own limits regarding how much some students can take out in federal loans. Today we will discuss why the school has chosen to pass this recommendation and...
IS RENT-TO-OWN REALLY A GOOD OPTION?
Stealing is a crime, right? It all depends on your definition and the setting in which it takes place. Some feel that the rent-to-own industry is simply legal theft of the financially burdened who have no other option. But what is rent-to-own? How does it work? A...
FLORIDA COUPLE GIVEN PERMISSION TO SEIZE BANK OF AMERICA’S ASSETS
The tables turned on lending giant Bank of America earlier this month when a Florida couple was granted permission to seize the bank's assets. As we have mentioned in previous posts on our Miami bankruptcy law blog, the foreclosure crisis has affected...
ACTIONS TO TAKE WHEN YOU RECEIVE A MISSED MORTGAGE PAYMENT LETTER
Owning a home is not something that all people are able to keep up with. In addition to paying utility bills and maintaining the home on both the interior and exterior, you will have to make monthly mortgage payments. Depending on their financial situation, these...
DEBT COLLECTORS PUSH TO CHANGE LAWS GOVERNING DEBT COLLECTION
Currently, consumers in Florida and the rest of the United States are protected under certain laws from creditor harassment. However, the Association of Credit and Collections Professionals announced Monday that they hope to change laws that would make it easier for...
ALTERNATIVES TO FORECLOSURE
The thought of losing the place you have called home for years can make anyone feel stressed and worried. Maybe the bills have gotten out of hand and debts have continued to grow, and as a result, made mortgage payments more and more difficult to make on time. When...