If you are involved in a real estate purchase and sale agreement where a potential buyer has backed out of an offer to purchase a property, you probably want to know who can keep buyers earnest money that was offered as part of their purchase offer. What is Earnest...
If you have become delinquent on your home mortgage you are probably searching for options for how you can avoid foreclosure, get approved for a loan modification and make your mortgage payments more affordable to keep your home. If you have been delinquent in your...
If you are considering filing for bankruptcy, you likely want to know what exactly happens once you do so. However if you want to know if filing for bankruptcy is a good idea and whether chapter 7 or chapter 13 bankruptcy makes the most sense, you should consult with...
Yes a business can file for bankruptcy, but a business owner will need to determine whether it will make sense to file a business bankruptcy, or deal with the debts on a personal level through a personal bankruptcy or debt settlement. A business is eligible to file...
It’s not surprising that you have never heard of National Collegiate Student Loan Trust, in fact you are probably reading this article because you have no idea who they are or why they have filed a lawsuit against you. National Collegiate Student Loan Trust in...
It’s easier for old debt to haunt American consumers seeking refuge in bankruptcy, thanks to a recent ruling by the Supreme Court in Midland Funding, LLC v. Johnson (2017). I have blogged before about Midland Funding and their reputation for collecting on stale debts...
Yes! In fact this can be a way you can save a significant amount of money on your real estate transactions. I had the opportunity to discuss whether an attorney can help you buy and sell real estate on 1150 AM KKNW which you can listen to here: Do I Have to Hire a...
If you feel threatened by debt collectors you would not be alone. A recent survey by the Consumer Financial Protection Bureau (“CFPB”) found that 1 in 4 consumers feel threatened by debt collectors. This is not surprising to me at all based on my...
One common issue that I see time and time again at an increasing pace is that consumers owe significantly more to a bank for a car than the car is actually worth. As it turns out, www.edmunds.com has actual statistics to back this up which show that 1/3 of all auto...
Now that the 2016 election season has concluded and we have for better or worse a new President Elect in Donald Trump I wanted to look at how his policies may change how consumers and borrowers may act when dealing with debt issues in the next 4 years and beyond. I...
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