National Credit Adjusters, LLC (NCA) & Hochstein Guilty of Consumer Fraud

Tags: Bradley Hochstein, illegal consumer collection practicies, LLC, National Credit Adjusters, ncaks.com

July 14, 2018

THE PERILS OF BANKRUPTCY FILING BY AN UNDOCUMENTED PERSON

By Richard J. Parker: Shareholder in Parker, Butte, & Lane, P.C. (reprinted with permission of the author, December, 2017) Immigration status is a complex legal issue for anyone not born in the USA. While some people born overseas are still U.S. citizens at birth, there are some hoops to jump through that do not exist […]

Tags: can illegal alien file bankruptcy, filing bankruptcy, undocumented alien

July 4, 2018

How To Avoid Scams by Car Dealers & Salesmen, Part 3

HOW TO AVOID BEING RIPPED OFF BY A CAR DEALERSHIP OR CAR SALESMAN, part 3. Ever wondered what you should do if you are scammed by a car dealership or a car salesman?  What are the used car dealer tricks?  How do you avoid a car dealer lying to you about financing?

Tags: car dealership scam, car salesman con, con-artist, ripped off by a car dealer or salesman?

June 26, 2018

How To Avoid Scams by Car Dealers & Salesmen, Part 2

HOW TO AVOID BEING RIPPED OFF BY A CAR DEALERSHIP OR CAR SALESMAN, part 2. Ever wondered what you should do if you are scammed by a car dealership or a car salesman?  What are the used car dealer tricks?  How do you avoid a car dealer lying to you about financing? In order to […]

Tags: car dealership scam, car salesman con, con-artist, ripped off by a car dealer or salesman?

How To Avoid Scams by Car Dealers & Salesmen, Part 1

HOW TO AVOID BEING RIPPED OFF BY A CAR DEALERSHIP OR CAR SALESMAN, part 1. Ever wondered what you should do if you are scammed by a car dealership or a car salesman?  What are the used car dealer tricks?  How do you avoid a car dealer lying to you about financing? In order to […]

Tags: car dealership scam, car salesman con, con-artist, ripped off by a car dealer or salesman?

Arizona Judgment Renewal Law Changed to 10 Years

Arizona Money Judgment Validity and Renewal Deadline Extended from Five Years to Ten Guest Post: Larry Folks, Folks Hess Kass, PLC On March 20, 2018, Arizona Governor Doug Ducey signed into law House Bill 2240, which extends, from five years to 10 years, the validity of and renewal deadline for a money judgment. The effective date […]

Tags: Renewal of Arizona judgments

June 12, 2018

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 […]

Tags: lose your home

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 […]

Tags: collection of student loans, defenses to collection, private student loans

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, […]

Tags: Mick Mulvaney, Trumps lackey

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 […]

Tags: how do I pay my spouse's loan

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. 

Tags: buying a home after bankruptcy

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 […]

Tags: buried in taxes, new tax reform act

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. 

Tags: disabled and student loans; taxes and student loans; forgiveness of debt

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 […]

Tags: student loan debt mounting

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, […]

Tags: Bank of America, holds family hostage, wrongful foreclosure

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. […]

Tags: collection calls, financial trouble

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 […]

Tags: consumer bankruptcy, debt, debt collection, financial distress, poor, strugglers

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

Tags: Darren Dalafield, John C. Morgan Jr., Kevin Chern, Law Solutions, Sperro LLC, Upright Law

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.

Tags: priority claims, proof of claim; secured debts, unsecured claims

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.

Tags: bankruptcy fraud, married but filing separate, paying family, selling stuff

January 17, 2018