Will the Real Creditor Please Stand Up? A Conversation About a Debt Buyer’s Ability to File A Collections Lawsuit
Secondary debt buyers creditors
Fraudulent transfers and bankruptcy
Laurie Blanton, Esq. When you file a bankruptcy case, some things you did prior to the filing can cause problems. One such thing is preferential payment. A preferential payment or transfer occurs when a debtor pays one or more creditors while not paying other creditors. This is preferring one...
Debt collection, Hunstein v. Preferred Collection
Bankruptcy or Debt Defense?
Thousands of people are sued every day for debt. For many, perhaps most, this is the first time they have ever been involved in a lawsuit. The realization that you will have to participate in a legal process, appear in court, speak before a judge, and pay an old debt (that has undoubtedly grown...
“A lawsuit has been filed against you.” Something no one wants to hear, but if you've just been served with a Summons in a civil lawsuit, these are the first words that you'll read when glancing over the paperwork. Learning that a lawsuit has been filed against you can often be a stressful situat...
Tax Refunds, Stimulus checks, bankruptcy
Statue of limitations
If you find yourself behind on your mortgage and in fear of losing your home, chapter 13 bankruptcy may be a good option to catch up or obtain a modification on the mortgage. In Chapter 13 bankruptcy, you can have up to 5 years to pay back the missed payments you owe on your mortgage. During th...
The CARES Act is set to expire on March 27, 2021. The CARES ACT provided relief to those suffering economic hardship due to Covid-19, by allowing a borrower to skip mortgage payments on federally backed mortgages and preventing those lenders from filing foreclosure. Many borrowers have taken ad...
Bankruptcy and Liens
The Consumer Financial Protection Bureau will now allow debt collectors to contact consumers in more ways than one. Phone, email, text, and even social media platforms are all fair game. Sometime in 2021, debt collectors will be allowed to send (7) debt calls a week along with unlimited texts,...
What happens to my vehicles under chapter 13 bankruptcy, what you need to know.
Short Sales and COVID 19
Dealing with financial hardship due to medical debt
Bankruptcy and concerns about losing your home.
Many people are being affected by the COVID-19 pandemic and have a lot of questions in regard to their finances. One of the questions I receive often is “Should I pay my student loans at this time?”. The answer generally depends on the type of student loan you have. The CARES Act passed earlie...
Harassing phone calls from Debt Collectors
How a mortgage loan modification can help you save your home and the options it provides.
HOA's COA's foreclosure and bankruptcy
COVID-19 and the coming end of forbearance
What you need to know about bankruptcy and keeping your car or truck.