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Bankruptcy is a much more complex process than simply filing and having your debts discharged or restructured. You will have to first complete many steps and one of those is obtaining a bankruptcy certificate or rather, two certificates. Bankruptcy certificates are documents that show you completed a credit counseling and…

When people fall into financial difficulty, sometimes, working with a debt settlement company seems like a good idea. These companies negotiate with your creditors on your behalf and come to an agreement about the amount of debt you will repay. A settlement is typically less than the original amount of…

Loan modification can be a tricky business.  Many struggling homeowners believe that their loan servicer does not want to take their house, so a loan modification is a sure thing.  Unfortunately, that is not the case.  For starters, loan servicers exist to make a profit, not to help homeowners.  Under…

The story of a pending foreclosure in Miami Gardens emerged recently that shone a light on not only foreclosures in Florida, but also the unexpected fees that often come along with it. The Miami Gardens home was passed down from a mother to her daughter, who later died without a…

Loan Lawyers, LLC is licensed to practice law in the state of Florida. If you have a legal matter that you would like to discuss and you are NOT located in Florida, please contact your state’s Bar Association to get the information of a lawyer who can assist you in…

Mortgage servicer Ocwen recently settled $11 million in relief to settle foreclosure misconduct claims, and over $2 million of that settlement went to homeowners in Florida. While the win was a big one for people who had unfairly lost their homes in the past, it is a reminder that mortgage…

People undergo so many financial transactions in their lives that it’s impossible to keep track of them all. Debt collectors do not only know this, but they count on it. They use it to try and collect on debts that someone never owed. These are known as phantom debts, and…

Many homeowners in South Florida are finding themselves in foreclosure for falling delinquent on homeowner’s association and condominium association dues.  Typically the association will have an attorney sending a letter to the homeowner that the association intends to foreclose. If you have received a letter from any of the attorneys…

All of us have fallen on hard times at one point in our lives and have struggled to keep up with our debts.  However, sometimes circumstances beyond our control get the better of us and there simply is not enough money at the end of the month to pay every…