It is essential that you receive the assistance of a bankruptcy attorney to avoid any claims of bad faith. Incurring debt just prior to bankruptcy is only allowed if you intend to repay the debt in full and you don’t incur the…more
Short sales are becoming more popular across the country. If you are considering the short sale of your home, you may be wondering how you can capture your lender’s attention and get your sale closed as quick as possible. …more
he above may make it seem like prepaid cards are a horrible idea, which is not the intent of this blog. In fact, there are many good ones available. The focus of this blog is to make sure that consumers shop around and make…more
To help the CFPB, you can let them know what tools are helpful and what is confusing. The CFPB will use the data gathered from the public to tweak the financial aid tool and make it more user-friendly and beneficial.
Generally the state law in the jurisdiction where the criminal prosecution occurred will be used by the bankruptcy court to determine a debtor’s culpability. This prevents the debtor from “forum shopping” or filing his case in…more
Hopefully you read my blog yesterday titled “Buying a home in Surprise, Arizona.” This blog is a continuation of that topic. According to Forbes, there are steps that will help you prepare for buying a home. Below are the…more
Although “tax day” (April 17th this year) has passed, I thought it was still important to inform you of the Mortgage Debt Forgivenss Tips from the Internal Revenue Service (IRS). While canceled debt is typically a taxable…more
In today’s real estate crisis, there are hundreds of houses sitting empty for a variety of reasons. Many are for sale, but languishing on the market. Others are homes that are part of a short sale or a foreclosure action. If…more
It has been reported that short sales are continuing to increase in 2012. Therefore, if you are in the market to buy a house, it may be the perfect time to start shopping. Many argue that with short sale homes being plentiful,…more
Collection agencies are professional debt collectors. Many small to mid-sized businesses hire collection agencies to take over the collection of their unpaid debt, especially if it is money they do not expect to ever recover. …more
The Fair Debt Collection Practices Act (FDCPA) governs the debt collection industry. It is a collection of laws that outline what a debt collector may and may not do in attempting to collect debt. There are also numerous scam…more
Short sales are a great way for homeowners struggling to pay their mortgage loan to get out from under the debt. As a result, many homeowners are entering into short sales without considering the consequences. While a short…more
Payday loans are short-term loans that carry interest rates that are higher than long term loans. They are also called “cash advances.” If a borrower is unable to pay a payday loan when it comes due, the high interest rate can…more
Bankruptcy filings are not always for individuals who have no assets. One concern people have when contemplating filing a case is what will happen to their vacation home. While every situation is different, below are a few…more
Identity theft is something everyone worries about, but nobody truly understands how devastating it can be until it happens to them. Nobody is exempt from being a target of identity theft, even minors. Below are a few tips to…more
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