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Page 1 of 12

Will I Lose My Home If I File Bankruptcy?

Many callers ask the same question “will I lose my home if I file for bankruptcy?” Over the last 30+ years of helping people file for bankruptcy protection the most concern by homeowners is if they will lose their home.  My answer – “it depends”.  Do you want to keep your home?  If so, then […]

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May 23, 2018


Some Defenses to Private Student Loan Collections

Student Loan Debt Rises to $1.5 TRILLION in May, 2018 There are two types of student loans – federal and private.  Federal loans have some protections for the lenders that private student loans do not.  Every month lawsuits are filed by the thousands, many that are invalid, but if the borrower does not respond the […]

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May 19, 2018


Trump’s Lackey Trying to Hide Complaints About Banks and Other Big Businesses

Could the CFPB’s Complaint Database Go Dark Because Trump’s Lackey Wants to Protect Big Business? Reprint from Findlaw, By Christopher Coble, Esq. on May 15, 2018 12:59 PM In the wake of the 2007-08 financial crisis, Congress created the Consumer Financial Protection Bureau, an agency tasked with protecting consumer rights when dealing with banks, credit unions, debt collectors, […]

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May 17, 2018


New Help for Homeowners, Heirs or Spouses

New Help for Homeowners, Heirs or Spouses Two important sets of CFPB amendments to its RESPA and TILA mortgage servicing rules go into effect April 19, 2018. These amendments expand the rights of those inheriting homes, awarded a home in divorce, or otherwise succeeding in interest to a mortgage loan. The rules also offer an […]

Copyright: arcady31 / 123RF Stock Photo

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April 29, 2018


Can I Buy a Home After Bankruptcy?

How long after bankruptcy do I have to wait before buying a home? Anyone who either filed for bankruptcy or is considering it has asked “how long before I can buy a new home”?  Attached is a spreadsheet which purports to detail the answer to this question. 

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April 4, 2018


You Sue & Win, but Pay More in Taxes Than $$ Received. Thanks New Tax Law

I have been around enough not to be overly surprised by lack of common sense from Congress and our President, but the latest revelation makes my stomach hurt. What Now?? With the new Tax Cuts and Jobs Act (TCJA) it is just coming to light that a person injured and later successful in suing must […]

taxes

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March 27, 2018


Disabled Can Now Avoid Taxes When Student Loans Forgiven

Forgiveness of Student Loans: The Good News in the 2018 Tax Law: After January 1, 2018 borrowers whose student loans are forgiven due to “total and permanent disability” no longer have to pay federal income taxes on those forgiven loans. 

disabled

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March 14, 2018


Student Loan Debt Mounting Daily

I make over $150K annually and I need to file bankruptcy Query from a new doctor: I am a newly graduated medical professional and single mom. In the past six months I have earned more than 80K. I think this disqualifies me from Chapter 7. Even though I make six figures, I have A TON […]

Copyright: alexlmx / 123RF Stock Photo

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March 5, 2018


Very Pissed Off Judge Slams Bank of America

One Very Pissed Off Judge Continues to Slam Bank of America In re Sundquist v. Bank of America, Case No. 10-35624 (Bankruptcy court, E.D. CA. 1/18/18) Bank of America, with a gun to the Sundquists’ heads… This motion to dismiss began as a hostage standoff. Bank of America, with a gun to the Sundquists’ heads, […]

Bank of America

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March 3, 2018


The Only 3 Times Filing Bankruptcy Is Worth It

The Only 3 Times Filing Bankruptcy Is Worth ItQuick Page Index1 The Only 3 Times Filing Bankruptcy Is Worth It1.1 1.  You have a crisis1.2 2.  You see the big picture1.3 3.  You’re worrying yourself sick1.4 Reasons to file overlap By Cathy Moran  (Summary from Ms. Moran’s blog, link below to full blog post)  Ms. […]

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February 23, 2018


“Life in the Sweatbox” for Students:

Life in the Sweatbox (reprinted from Credit Slips) Pamela Foohey, Indiana University Maurer School of Law Robert M. Lawless, University of Illinois College of Law Katherine M. Porter,  University of California – Irvine School of Law Deborah Thorne,  University of Idaho Date Written: February 20, 2018  94 Notre Dame Law Review __ (forthcoming 2018) Abstract The time before a […]

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February 21, 2018


UpRight Law, Kevin Chern Sanctioned for Unconscionable Harm to Clients

UPRIGHT LAW and KEVIN CHERN, partner, sanctioned for ‘unconscionable harm to clients’ Report from the Department of Justice, 2/13/18 – Law Solutions Chicago, doing business as “UpRight Law”,  UpRight’s managing partner Kevin Chern, and affiliated partner attorneys Darren Delafield and John C. Morgan Jr. were sanctioned hundreds thousands of dollars “for causing ‘unconscionable’ harm to […]

Copyright: studiostoks / 123RF Stock Photo

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February 15, 2018


What is a Proof of Claim in a Bankruptcy?

Every bankruptcy case has creditors. Some creditors may be paid through the bankruptcy, others are not so lucky. Some creditors are secured against collateral, such as a car or house; while others are unsecured, such as a credit card or medical bill; others are priority claims such as taxes, child support or alimony.

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February 5, 2018


Ten Things You Need to Know Before Filing Bankruptcy

Ten Things You Need to Know Before Filing Bankruptcy Bankruptcy is a tool.  Any tool can be misused which can cause serious damage.  Just ask the idiot who sticks a fork in a live electrical socket.

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January 17, 2018


IRS Assigns Collection of Back Taxes to Outside Companies

Four Collection Companies Hired to Collect Old IRS Tax Debts The IRS indicates it will give taxpayers and their representative written notice that the accounts are being transferred to the private collection agencies. The agencies are to send a second, separate letter to the taxpayer and their representative confirming this transfer.

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December 27, 2017


Bankruptcy of Seniors Increasing – A Good Option for Many

Medical debt – number one cause for seniors filing bankruptcyQuick Page Index1 Medical debt – number one cause for seniors filing bankruptcy2 Bankruptcy is a good way to protect heirs.3 Peace of mind – bankruptcy stops the calls and harassment4 Most Arizona consumer bankruptcy attorneys offer a FREE consultation5 AVOID Used Car Sales Tactics6 Do […]

creditor

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November 21, 2017


Beware Consumers No Longer Protected, Big Business Wins Again

ONCE AGAIN CONSUMERS LOSE TO BIG BUSINESS Reuters reports that Richard Cordray, director of the Consumer Financial Protection Bureau, will step down at the end of the month.  Large companies (banks, auto finances, pay day loans and student loans, to name a very few) are ecstatic because this opens the door for Trump to nominate […]

November 20, 2017


Diane Receives Gold Client Award

CONGRATULATIONS! YOU EARNED OUR GOLD CLIENT CHAMPION AWARD! Announcement from Martindale-Hubbell: your clients think you are wonderful and so do we! Because your clients have highly recommended you, we are thrilled to award you our new Gold Client Champion award!

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November 6, 2017


Reverse Mortgage Nightmare – Why Seniors Are Losing Their Homes

Federal analysis shows reverse mortgage foreclosures are on the rise. The problem, say advocates, is that many senior homeowners don’t understand the fine print in a reverse mortgage. Some wrongly assume the lender will pay the taxes and insurance. But fall behind on those payments or fail to maintain the home, and the lender can […]

struggler

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October 21, 2017


Bank of America Holds Family Hostage According to Judge

October 19, 2017 – Article posted in Bloomberg.com. Bank of America tries to bully a bankruptcy judge,  ignoring the consequences of illegal acts, but the judge is not standing for it. Bank of America seems to think they can bully a bankruptcy judge,  like they did a California couple in a nightmare foreclosure, but the […]

Bank of America

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October 19, 2017


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