• In the United States of America vs. Richard Sylvester Berry. (Why Pay a Lawyer) Charges filed allege the business and Richard Berry are in violation of multiple federal laws prohibiting bankruptcy fraud, bankruptcy bribery, and [...]

  • Arizona anti-Deficiency Law: Since 1971 Arizona law has normally protected the borrower who defaults on a home loan. A lender could foreclose, but could not sue the borrower if the loan was on property 2 [...]

  • Homeowners’ association received special treatment in bankruptcy. Depending on your situation it is possible that both federal and state law comes into play. Do you have a homeowners association?  Do you want to know your [...]

  • HAMP report indicates that nearly 30 percent of those who qualified for HAMP relief have defaulted again. The other day a caller said "I used a document preparer or bankruptcy petition preparer. Certainly they have [...]

  • The Bankruptcy Reform Act of 2005 reported to be a "Dismal failure". The bankruptcy law, approved by Congress in 2005 after years of debate, makes it much harder for households to get out from under [...]

  • Arizona Representative Michelle Ugenti, introduced bill which challenges the rights of a disabled person to protect their vehicle. The other day a caller said "I used a document preparer or bankruptcy petition preparer. Certainly they [...]

  • Published On: December 27, 2013

    For several years I have been explaining that no one can predict the length of time that FHA, Fannie Mae or HUD, or a specific lender will require a homeowner to wait to qualify for a new home loan after a prior foreclosure, short sale or bankruptcy.

  • Should an employer run credit reports on potential new employees? Dec. 17, 2013 Does a person's credit situation really reflect their ability to do a job? U.S. Sen. Elizabeth Warren, a Massachusetts Democrat, introduced legislation [...]

  • Once a bankruptcy is filed there is no magic wand to make it disappear. Bankruptcy stays on your credit for ten years - whether or not you complete the process. In re T. Khan, BAP [...]

  • Published On: December 21, 2013

    Diane L. Drain to be featured speaker on "Demystifying Current Real Estate Problems. The other day a caller said "I used a document preparer or bankruptcy petition preparer. Certainly they have obligations to keep my [...]