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Are You Being Sued by TD Auto Finance in Florida?
November 17, 2021

Are you being sued by TD Auto Finance? Are you afraid you will be soon? Keep reading. A Little Background TD Auto Finance is an indirect auto financing company that finances cars through car dealerships. They are actually a subsidiary of TD Bank, which is one of the 10 biggest banks in the United States. Ā TD Bank has branches throughout Florida, various other states and Canada. TD Auto Finance and TD Bank are members of TD Bank Group. TD Bank Group is quite a big outfit with over $900 billion in assets. They have more than 83,000 employees worldwide. Theā€¦ Read More

Learn the Florida Foreclosure Process and Fight for Your Home
October 17, 2021

The Florida foreclosure moratorium ended a year ago, and now the federal foreclosure moratorium has not been extended further. This has left many wondering what exactly is the Florida foreclosure process? You may have special circumstances that will help you if you are facing foreclosure, and your Florida debt collection defense attorney can help answer your questions. This article, however, addresses the Florida foreclosure process, so those facing foreclosure have an idea what to expect and can get the help they need. The Legal Basis for Foreclosure If you canā€™t pay your mortgage, a lender canā€™t just come in andā€¦ Read More

Debt Collector Scare Tactics: Donā€™t Fall for Them!
September 15, 2021

According to a 2021 report, the average American is $90,460 in debt. A recent survey reports that 47 percent of Americans carry a monthly balance on their credit cards. 70% of those people say they cannot pay it off this year. Despite debt being so common, we live in a society that stigmatizes those who owe money. People in debt are often so ashamed they do not seek the help they need. When people feel isolated in this way, they become a prime target for exploitation. We would like to tell you about some of the primary debt collector scareā€¦ Read More

9 Ways to Improve Your Credit Score in a Month
September 2, 2021

You may have something on the horizon where you need a good credit score. Perhaps you intend to buy a house in the near future and donā€™t want to pay high interest rates due to shaky credit. We always tell people to track your credit score regularly and weā€™ve spoken before about how to improve your credit score. Building a good credit score is something you do over a course of years for really good credit that lasts. But can you do anything to impact your credit score in a month or two? You betcha. The trick is to doā€¦ Read More

No Need to Panic: What to Do When Debt Collectors Call
August 17, 2021

Itā€™s enough to increase your heart rate and make you break out in a sweat. The debt collector is calling! Debt collectors have tricks up their sleeves, so you are right to be concerned when debt collectors call. If you owe a lot of money, it very well may be worth your while to hire a debt collection defense attorney who knows the ins and outs. But if you are planning to speak with a debt collector yourself, you need to be prepared. Consider the following advice. Keep calm Debt collectors like to keep you off balance, and often theyā€¦ Read More

Medical Debt in America: Itā€™s Worse than We Thought
August 2, 2021

We all know that medical debt drives many people into bankruptcy. Itā€™s the largest category of debt in the United States. Even if patients recover, the weight of medical bills can ruin their lives. Well, itā€™s even worse than we or the government or anybody else thought. A study from JAMA (Journal of the American Medical Association) just published in July tells us that collection agencies held $140 billion in unpaid medical bills in 2020.Ā (The study covers January 2009 to June 2020.) A previous study done in 2016 indicated the amount was almost half that — $81 billion. It getsā€¦ Read More

What to Expect if You Face Wage Garnishment in Florida
May 30, 2021

If you are having trouble making ends meet, the last thing you want is for your creditor to garnish your wages. A wage garnishment, also known as a wage attachment, is an order the court sends to your employer telling them to withhold money from your paycheck and sent it to the creditor. As you can imagine, this will not endear you to your employer. However, they canā€™t fire you for it unless you have more than one garnishment. However, under Florida law, your employer can deduct the amount from your paycheck that it cost them to obey a wageā€¦ Read More

My Creditor Has a Default Judgment Against Me! What Now?
May 17, 2021

How a Creditor Gets a Default Judgment Against You If a creditor is unable to collect a debt from you, eventually they will file a complaint against you in court. The court issues a summons notifying you of the suit. The plaintiff must then properly serve you with the summons and complaint within the procedures set out by Florida law. In Florida, once you have been served, you have 20 days to file a response with the court if you want to avoid a default judgment. Should you miss that deadline, the plaintiff will then request the court to orderā€¦ Read More

Where Should I File My Bankruptcy Petition?
April 19, 2021

There are many financial requirements you must meet to be discharged in bankruptcy in Florida.Ā  But there are also requirements that govern where to file for bankruptcy. Keep in mind that bankruptcy actions are established under federal law. You will not file bankruptcy in state court, but rather in federal bankruptcy court. The federal district where you file determines where your case will be heard. What is the Basis for Where to File for Bankruptcy? When filing a bankruptcy petition, these three factors may govern where you file. For a consumer bankruptcy, normally you will file in the same districtā€¦ Read More

Iā€™m Being Sued by Midland Funding! What Should I Do?
April 5, 2021

Have you received a debt collection letter from Midland Funding, LLC? Or maybe you received a complaint or court notice from Midland Credit Management (MCM)? You may ask yourself ā€œWho are these people? I didnā€™t buy anything from any company called Midland!ā€ When credit card debt, auto loans, bank debts and other consumer debts go unpaid, the holders of the debts often sell them to third-party debt buyers. If you didnā€™t pay your credit card, itā€™s a good bet that the credit card company sold it to a debt buyer. Midland Funding is one of the biggest debt buyers inā€¦ Read More