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Monthly Archives: December 2018

What Can You Do If a Creditor Violates the FDCPA?

Consumers have legal rights protecting them from overly aggressive creditors. These protections are granted by the Federal Fair Debt Collection Practices Act or FDCPA. When a debt collector violates federal law when dealing with a borrower, the borrower can take steps to protect their rights. What steps you take will depend on your end goal. Do you want to sue the debt collector? Do you …

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Estate Planning: 5 Tips for Your Will

It’s no secret that many of us have an aversion to writing a will and planning the handling of our estate once we’re gone. It’s unpleasant for us to consider these details because it forces us to deal with our own mortality. But we see over and over why it is so important that we do so. Consider the well-publicized situation that that took place …

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5 Tips for Recovering After Bankruptcy

Did you recently file for bankruptcy? Are you worried about your credit? Many bankruptcy filers are surprised by how quickly they can get started repairing their credit after bankruptcy. Rebuilding your credit after bankruptcy is not easy, but it can be done.

Tips for Recovering After Bankruptcy:

  1. Use Credit. This seems counterintuitive. You just filed bankruptcy and discharged your debt. Many instinctively want
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Can Bankruptcy Help When You’re Buried in Student Loans?

Federal student loans have been exempt from bankruptcy discharge since 1978. A change in the law in 2005 gave private student loans the same protection. The “protection” that student loans are offered in this legislation means that student loan debt will often survive bankruptcy proceedings while other types of debt do not. However, some school loans are partially dischargeable in bankruptcy, but if not, the …

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How Does a Loan Modification Help Lower Your Mortgage Payment?

When you are a homeowner and you cannot make your mortgage payment it is important not to panic. Panic can lead homeowners to ignore the situation, which does not stop it from escalating. Panic can also lead homeowners to decline all their available options in the hope that somehow a better option will present itself, which often leaves them with fewer options by the time …

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Legal Issues Your Real Estate Agency May Overlook

In some states, you cannot purchase or sell a home unless there is a real estate attorney present. Yet many who live in states that do not require the presence of a real estate attorney still rely on them during real estate transactions. Why is that? Why do buyers and sellers who are not required to use the services of a real estate attorney bother …

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What to Know When Filing for Bankruptcy

You may have decided that you need to file for bankruptcy, but that doesn’t mean that it isn’t scary. If you find yourself fearing the process, remember that bankruptcy laws are there to protect you. You have options even in the midst of impossible financial trouble. Once you’ve decided to file bankruptcy, the process is fairly straight forward.

What Type of Bankruptcy? Once you decide …

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What is a Personal Injury Lawsuit?

Accidents happen. That’s what they say, right? Yet the fact that mishaps and accidents are commonplace does not detract from the hurt and confusion that often results when you or a loved one suffers an injury. If you think you need to take steps to protect your legal rights after you have been involved in an accident, you should start by finding out some basics.…

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Who Benefits from a Loan Modification?

The loan modification is a popular option for homeowners who are struggling to make their mortgage each month. They are a viable alternative to foreclosure, short sales and refinancing. In today’s market there are a high number of foreclosures and lenders that want to help homeowners stay in their homes and avoid foreclosure. Is a loan modification a good option for you? First, you need …

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Is Your Lender Threatening to Foreclose on Your Home?

Is your lender threatening to foreclose on your home? You aren’t the only one in this difficult situation. Foreclosure rates across the nation are high and they have been high for some time. Yet homeowners who are facing foreclosure often feel like they have no viable options to stop the process. However, this isn’t necessarily true. There are a number of foreclosure defense strategies …

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