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Recently, the Florida Fifth DCA reversed a summary judgment in a foreclosure case because the lender did not offer sufficient evidence that it followed proper procedures and satisfied certain conditions. After the bank tried to accelerate the mortgage in the case Parkin v. Eagle Home Mortgage, LLC, the homeowner filed…

According to a recent report, over half of Americans who took on a new hobby during the pandemic have gone further into credit card debt. For some, this is not an issue. After all, people were forced to stay at home and for those lucky enough to keep their jobs…

Short sales have become more popular in the last several years, largely because banks want to avoid the expensive foreclosure process. The short sale process is sometimes a long and frustrating one, but the result can be very rewarding. Once the property is sold, you will no longer have the…

In its simplest form, a bankruptcy discharge occurs once a bankruptcy case is finalized and relieves you from any obligations of repaying your debt. Once your debt has been discharged, creditors cannot take any further action to collect on the debt. Creditors and debt collectors cannot call, send letters, or…

If you have a credit card that has accumulated debt on it, you are in good company. According to an Experian report published in the third quarter of 2020, Americans carried, on average, $5,315 in credit card debt. While that number is alarming, it only applies to credit card debt…

One of the responsibilities homeowners have is that they must pay taxes on their property. Most homeowners expect to receive a bill from the county in which they live, and not a private company. Unfortunately, some homeowners in Florida have learned the hard way that this is not always the…

As a retiree, you likely know that having good credit is essential to your financial health. You know that the score assigned to you by the major bureaus, such as TransUnion, will have a direct impact on your ability to borrow and the interest rate you will pay on any…

Recently, a Florida lender was going to foreclose on Don Ramon’s, a SoMa destination that has been extremely popular for decades. Fortunately, for the politicos and locals who loved frequenting the hot spot, it will remain open after the owner filed Chapter 11 bankruptcy. The story is not an uncommon…

Most people are familiar with debt collection notices. These letters, which are usually sent by debt collection companies, are sent when a person defaults on their credit card bills, student loans, or even utility bills. Debt collection companies are third parties that creditors and lenders hire to collect on unpaid…