Write to Your State Attorney General

Enough is enough as lenders had their say and swayed of course in all loan modification programs and in preventing the foreclosures process. They have frustrated almost every program the government and the fed had announced. The latest of course was the Obama Plan, which was launched with great fanfare, and of course it had […]

How to Stop Foreclosure–General Tips

 Nevada again is on top of the foreclosure statistics, and I really don’t feel the necessity of citing any sources. It is an open secret for quite sometime. Foreclosure is on the rise, and the tide has become uncontrollable especially in Nevada even after some phony good news. Even though I had written extensively in […]

Cheap Bankruptcy — 3 Tips On How To Get Low-Cost Bankruptcy

Low-cost bankruptcy can be an essential component to getting your finances under control. Most people file bankruptcy because the money situation has gotten out of hand. When facing bankruptcy, the last thing you want to do is spend your last dollar on the process. The good news is there are ways to find affordable bankruptcy […]

How Federal Laws About Mortgages Can Be Helpful to You?

How Federal Laws Can Be Helpful to You? (ii) Real Estate Settlement Procedures Act (RESPA) RESPA was designed to give home buyers and sellers better disclosure of settlement costs; and to elimination of kickbacks or referral fees that tend to increase unnecessarily the costs of certain settlement services. Prohibition Against Kickbacks and Referral Fees 12 U.S.C. […]

The Automatic Bankruptcy Stay Explained

When falling behind on mortgage payments, foreclosure is not inevitable. Since the real estate market collapsed, more than 5% of all homes loans are in default. Today, workout situations are common. Lenders try to avoid repossessing homes, which in turn, bloats their balance sheet with non-performing assets. You may have time to workout an arrangement […]

Stopping Foreclosure with Chapter 7 and Chapter 13

Foreclosures are regulated by state law in every county and parish within the U.S. The process is always similar. Each mortgage holder must receive notice of the intent to foreclose and has a right to bring payments current. The typical notice period is 30 days, and notices are published as a public record. In the […]

Chapter 13 Bankruptcy Strategies

The election of Chapter 13 increases options available when filing bankruptcy. In exchange for at least partial payment on all debts, the added benefits in Chapter 13 frequently make it the best choice. You may include back taxes, past due mortgage payments and a wide variety of priority debts in the plan. The partial payment […]

Personal Bankruptcy in Florida – Steps to Chapter 7 and Chapter 13 Bankruptcies

Bankruptcy in the state of Florida can be filed by an individual without the aid of an attorney or document preparation agency. Yet, it is still recommended that anyone filing for personal bankruptcy should seek legal counsel. The federal bankruptcy code creates different categories of bankruptcy, known as chapters, which gives debtors different ways of […]

5 Common Mistakes Bankruptcy Clients Make

5 Common Mistakes Bankruptcy Clients Make Bankruptcy is governed by Title 11 of the United States Codes. Oftentimes, what makes sense in bankruptcy world does not make sense in everyday life. Here are the top 5 mistakes potential bankruptcy clients make. 1. Selling assets in an attempt to get out of debt What assets you […]

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