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Reducing the effects of losing a home is a daunting, thought to every homeowner. After attempts at a loan modification or refinancing fail, feelings of hopelessness, despair, and surrender are much more pervasive than thoughts attempting to achieve some degree of damage control. However, there are alternatives to assist homeowners…

An attorney’s fees for representing a debtor in a bankruptcy case are not set by the bankruptcy court. They may be approved by the court in some situations but debtors and attorneys are free to negotiate a fee for representation in a bankruptcy case. Most bankruptcy lawyers charge a flat…

Occasionally, a mortgage loan borrower is faced with an upcoming foreclosure sale date of his or her home and has already exhausted all options at the state court level to attempt to cancel the foreclosure sale date without success. If the borrower is otherwise eligible to file for bankruptcy, however,…

Florida foreclosures are judicial, which means that a lender must bring a lawsuit to obtain a judgment of foreclosure and sell the property to satisfy the underlying mortgage debt. The action proceeds normally like any other lawsuit and the defendant-borrower must be served with the complaint. When the Florida Fair…

Everyone makes mistakes. Bankruptcy debtors make mistakes on their schedules, statement of financial affairs, even their petition. To reverse a mistake, bankruptcy debtors may correct, or amend these errors with the appropriate revisions, additions or deletions. The attorneys at Loan Lawyers can help ensure that all of the information contained…

There are legitimate companies that offer useful, recognizably valid services to student loan debtors and are forthright and upfront about charging an appropriate fee. The Fort Lauderdale student debt attorneys at Loan Lawyers can genuinely provide necessary and invaluable assistance to student loan debtors, while accurately answering any questions related…

The Consumer Protection Financial Burea(CFPB) just filed a lawsuit against the larges student loan servicing company in the country, Navient, formally known as Sallie Mae. Navient was accused of intentionally making it difficult for borrowers to repay their student loans, not timely providing information or providing wrong information and processing…

Filing a bankruptcy case necessitates the disclosure of a debtor’s complete, current financial history. It also includes providing tax returns and evidence of earnings to the bankruptcy trustee. Of course, federal law and the rules of bankruptcy procedure mandate that certain internal forms must be filed in a bankruptcy case,…

One law that protects members of the general public is the Fair Debt Collection Practices Act(“FDCPA”), a Federal law that prohibits a wide variety of harassing and abusive practices by debt collectors. The FDCPA is a powerful tool that our office makes extensive use of in many cases. One clause…