Having a watchdog such as the Consumer Financial Protection Bureau (CFPB) out there looking out for consumers’ interests is a good thing. Please call your representative THIS WEEK. The U.S. House of Representatives will vote this week on H.R. 10, the Financial Choice Act sponsored by Congressman Jeb Hensarling…
It is very important to correctly reflect the assets of your bankruptcy estate and your intentions as well as meet all the other requirements to properly file a bankruptcy. Documents that appear thorough, accurate and complete when filed, tend to receive far less scrutiny. When in doubt, disclose, disclose and…
I implore you to go to the link below and provide a brief comment – we need help from consumers to keep the cell phone laws intact to stop invasive robocalls: CBS News ran a terrific prime-time piece last night, featuring NCLC’s Margot Saunders, on TextCaster’s request that the FCC…
According to the US Census Bureau, and their latest full year of researched data on child support payments (2007), of the $34 billion dollars in child support that was owed, nearly 62% of it was reported as received by the end of the year. What does that tell us? Well,…
If you closed on a short sale in the last five years and did not obtain a waiver of the unpaid balance owed to the first mortgage holder, you are at risk of now being sued for the difference – called a deficiency balance. This could be for tens or…
What should you do if you are sued by NCSLT for student loans? In recent years, lawsuits brought by the National Collegiate Student Loan Trusts (NCSLT) has become an epidemic. Defending these cases can be fun and rewarding. Often, consumers are faced with a lawsuit for tens of thousands of…
Bankruptcy enables you to write off income taxes more than three-years old. However, bankruptcy cannot get rid of all back taxes. There are many qualifications and stipulations regarding what taxes you can and cannot write off under bankruptcy. Our Florida bankruptcy clients are often able to discharge more taxes than…
In examining the typical debt that a person lives with nowadays, Sorboni Banerjee, Fox News Consumer Reporter, interviewed Tampa, Florida Student Loan Attorney Christie Arkovich for a news story on Monday. The portion dealing with student loan debt is copied below: Christie Arkovich specializes in helping people negotiate their student…
The bankruptcy laws do not require married couples to file bankruptcy together. This is one of those things that people do because they just assume they have no choice, and you can bet that one, two, or five knowledgeable people (none of them bankruptcy lawyers) told them they absolutely had…
Personal Property Bankruptcy is a way for you to actually keep most of your personal assets and say goodbye to the creditors and debt collectors. The truth is that debt collectors cannot touch MANY of your assets when you declare bankruptcy, most are protected. The magic of this protection…