Have you received a verbal forbearance of your mortgage payment? But nothing else? Mortgage servicers have certain responsibilities by law. If you have received a verbal approval of your mortgage forbearance, but haven’t received anything in writing confirming this, not to mention advising what terms are, payment restart date etc.…
I saw today that WeWork filed bankruptcy and is terminating many of its leases. If you or anyone you know is in need of a new “home” we have new and professional office shares in South Tampa for attorneys or other professionals. Our space is a little different from most…
Re: Youssef v. Navient Solutions LLC, et al., Adv. Pro. No. 17-1085, in the U.S. Bankruptcy Court for the Eastern District of New York. CLAIM SITE: NavientStudentLoanSettlement.com Borrowers are eligible for free money under $16 million student debt settlement – but you need to file a valid Claim Form by November 20,…
Consolidation before December 31, 2023 will help some borrowers maximize benefits under the Account Adjustment. After the account adjustment, the qualifying PSLF payments made on loans later consolidated will be credited to the consolidation loan based on a weighted average of the qualifying payments on the underlying loans. This will…
Have student loans that are entering repayment? On hold with your servicer? For hours? Not quite sure what’s going on? Your servicer is your debt collector — are you certain that whatever they are going to tell you, assuming you get through, is your best option to reduce or eliminate…
Lots of misinformation out there regarding student loans. If you are receiving a bill, it’s important to speak with an expert or advocate who is on your side — discuss your options, make a plan. You might save many thousands of dollars by doing this! There are some important deadlines…
The new means test numbers came out: It hasn’t changed much for Florida except – down 3k for family of 3 though. Very odd, but whatever. New as of Nov 1: https://www.justice.gov/ust/eo/bapcpa/20231101/bci_data/median_income_table.htm. Family size of 1,2,3 and 4. FLORIDA $60,483 $74,569 $86,353 $99,954 It was: FLORIDA $60,429…
In our efforts to help our former clients or new clients move ahead with their life, we offer tips to improve credit or benefit from new programs (with particular emphasis on those with prior financial burdens). Today, I’d like to summarize some programs that may help to purchase a…
What to expect if you cannot pay your mortgage – This timeline comes directly from the Department of Housing and Urban Development, in other words, HUD: First month missed payment: The lender will contact the buyer by a letter or phone. Second month missed payment: The lender will begin calling…
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…