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Every year between 400,000 and 500,000 people file bankruptcy in the U.S. This legal process helps individuals and businesses get much needed relief from debts they can no longer pay. But it’s important to note that not all debts can be discharged via bankruptcy process. In fact, there are many types of non dischargeable debt bankruptcy that can’t be eliminated by filing chapter 7 or chapter 13. As such, these debts remain the responsibility of the debtor even after you’ve completed the bankruptcy process. Types of Non Dischargeable Debts in Bankruptcy What Are Non-Dischargeable Debts? If you’ve ever wondered “What… Read More
Homeownership is the ultimate dream for many people. Unfortunately, some mortgage companies take advantage of this and engage in predatory lending practices that can turn that dream into an absolute nightmare, so many may wonder, “can I sue mortgage company?” “how do I sue my mortgage company?” or “what are reasons to sue a mortgage company?”. Not only can predatory lending leave borrowers trapped in high-interest loans, but they’re also saddled with unfair terms. This can (and usually does) result in financial hardship, stress and even the loss of their homes. If you or a loved one have been a… Read More
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 can’t pay your mortgage, a lender can’t just come in and… Read More
On Thursday, June 24, the Biden Administration announced that it is extending the tenant eviction and federal mortgage foreclosure moratorium until July 31. The order was signed by CDC Director Rochelle Walensky. The moratorium was in place to help those suffering economic problems due to the coronavirus pandemic. This moratorium is particularly important in states like Florida which have no state eviction moratorium. According to the CDC, “The COVID-19 pandemic has presented a historic threat to the nation’s public health. Keeping people in their homes and out of crowded or congregate settings — like homeless shelters — by preventing evictions… Read More
It is with great enthusiasm that we announce out 2nd scholarship winner. The Debt Fighters support an academic scholarship contest for students who share a time in their life where they learn the importance of financial planning and discuss their financial plan going into the future. Peyton Myles, a student based in California, started her own dance company at 17 years old, and has taken much of the profit from her business and dedicated it to charity. In the meantime, she works at the local hospital and is interning at a law firm. Her essay shows incredible attention to financial… Read More
The pandemic has forced companies to change the way they operate. Because of the lockdown, they have had to lean on remote workers to survive. As a result, many workers have lost their jobs and faced difficulties. Due to the high demand for tech professionals, gaining these skills could help you in the future. To remain competitive, many people have begun to learn tech skills. However, moving in the right direction might be hard if you don’t know where to start. If you’re jobless and struggling to find work, these tips will help you tackle unemployment amid Covid-19. You’ll get… Read More
I’m going to let you in a little secret. Not everyone who is trying to tame their debt needs bankruptcy. In some instances, taking out a debt consolidation loan to refinance your debt is the best option. There, I said it. Now every other bankruptcy attorney in town wants to throw a rock at me! In all seriousness, debt problem-solving is largely about proportionality. What I mean by that is if someone has $50k in debt, but they make $200k per year, their debt is probably manageable. Whereas if someone has $50k in debt, but they make $30k per year,… Read More
In July, 2020, the Consumer Financial Protection Bureau published a quarterly report on Recent Trends in Debt Settlement and Credit Counseling. The report comes from work undertaken by the Bureau to highlight developments for customers who are no longer able to handle their unsecured loans. Debt settlements rose dramatically during the Great Recession into a peak of $11.4 billion. Over half of those settlements occurred within a year of the accounts becoming delinquent. Debt settlement and credit counseling became less common after that recession, but recently settlements have been rising after changes in delinquencies and charge hindrance. Nearly one in thirteen… Read More
Congratulations to Attorney Cassidy Fordiani for graduation from the 8-week Dale Carnegie professional development course! Attorney Fordiani was awarded the Human Relations Award for Leadership in recognition of her efforts during the course. Dale Carnegie training is recognized across the world and by countless notable executives for its role in their professional growth. Attorney Fordiani joined the Debt Fighters in September, 2019, where she leads our debt defense and negotiation team. Her graduation is a great milestone and it is amazing to see her dedication to her work and professional development!
Bankruptcy Lawyer I was reminded today how powerful it is in shifting your perspective to be thankful. In times when things are tough or physical ailments are lingering, listing things you are thankful for can propel you forward. Recognizing and acknowledging times that you are thankful and grateful for now gives you something positive to focus on. Remembering and recounting times that you were thankful for in the past allows you to see the blessings and good things that have occurred in your life. In times of stress and panic, remembering five things you are thankful for can change your… Read More
