Debt collection in the U.S. operates within a framework of consumer protections using the Fair Debt Collection Practices (“FDCPA”), the Fair Credit Reporting Act (“FCRA”) and the Unfair and Deceptive Trade Practices Act (“UDTPA”). There are many more federal acts protecting against unlawfully high interest rates, fraudulent mortgage practices, deceptive…
Buy now, pay later options are on the rise. The most popular players in this space – Klarna, Afterpay, Affirm, and Zip – are everywhere. They’re not just options. They’re default features, embedded into the checkout flow of almost every major retailer. Even Door Dash now has options which allow…
While we’re waiting on some clarity on the student loan mess, I’ve been wandering around some facts and figures surrounding the housing market here in Florida. Our law firm was front and center during the 2008 financial crisis, handling thousands of short sales, loan modifications, deeds in lieu of foreclosure,…
I read an article today by the Ascent, that among all Americans, the average amount of time spent on financial management per day is 1.8 minutes. That may include things like defining a goal, budgeting, saving for retirement, managing debt, planning for taxes, planning for emergencies etc. I guess I’m…
If you’ve decided it’s time to take back your life, we can help devise a debt escape plan with you. This may involve making decisions about what to pay, what not to pay, how to settle and create a plan to get out of debt. This includes student loan debt…
Once you get out of the habit of making a mortgage payment, it’s hard to get back to making that large payment every month. This is particularly true, with student loans also restarting payments now. What do we do that can help solve this problem for you? We litigate mortgage…
DO YOU NEED ASSISTANCE WITH DELIQUENT OR SOON TO BE DELINQUENT MORTGAGE PAYMENTS? IS YOUR HOME AT RISK DUE TO A PENDING FORECLOSURE? HAVE YOU BEEN TURNED DOWN FOR A LOAN MODIFICATION IN THE PAST? Well, we have some good news! The U.S. Department of Housing & Urban Development (HUD)…
“When do you need a foreclosure attorney?” was one of our highest performing videos last month. That has motivated me to prepare a series of blogs, guides and new videos to help consumers learn about their options and what they should be aware of when they are behind in their…
Lots of folks bought second properties with a plan to do short term rentals through Airbnb or VRO — and now occupancy rates are dwindling, maintenance expenses are increasing, consumer disposable income is declining, and interest rates continue to soar. While not yet an Airbnb bust, it is not the…
A bankruptcy claims trading platform called Xclaim just closed a $7 million fund raising round after adding a focus toward crypto claims. If you have funds stuck in one of several centralized crypto related companies which filed bankruptcy last year, this may be of interest to you. I have no…