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Our office has been inundated with calls from homeowners who are concerned and even panicking because their CARES Act forbearance is coming to an end, or has already come to an end, but they do not know the next steps.  The reality is that millions of homeowners across America are…

Medical debt is one of the main reasons why people file for bankruptcy or withdraw savings from their retirement accounts. People may develop an unexpected condition that requires extensive medical treatment. The cost of that treatment can make it difficult to pay for everyday expenses at the same time. Even…

This year has come with challenges Floridians have never seen before, and that is saying something considering the Sunshine State was one of the hardest hit during the Great Recession. Many homeowners are facing foreclosure; for some, the process has already started. You may qualify for a mortgage forbearance if…

April is Financial Literacy Month and while we are approaching the end of the month, there is never a better time to start improving your financial literacy than now. Being financially literate simply means understanding basic financial concepts that can help you better manage your money. Once you are financially…

The past year has been extremely challenging for homeowners in South Florida and throughout the rest of the country. For some, it is a bit too reminiscent of the Great Recession and that is enough to strike fear in the heart of any Floridian. It is well known that Florida…

Many people understand the basic concept of defaulting on a loan. When you default on a loan, it means that you have not made sufficient payments for a certain period of time. Lenders will consider you to be in default when you have failed to make the minimum required payment…

Millions of American homeowners have struggled through the pandemic.  When Congress passed the CARES Act providing for automatic forbearance, that was a lifeline that millions of homeowners needed.  However, for many homeowners, it has created even more headaches and nightmares. We have seen homeowners charged for late fees, property inspections,…

There is an enormous number of debt collection lawsuits being filed right now.  Most people being sued have never been in this position before and panic.  They will call the lawyer that is suing them in a desperate attempt to work out a solution.   The debt collector’s lawyers know that…

It has been revealed that as many as 85% of all debt collectors have been unlawfully disclosing people’s information regarding debts to third parties. If you have received any type of debt collection letter, then most likely that debt collector has disclosed information regarding your debt to others unlawfully. If…