Some excuses never seem to wear out. There seems to be no limit to the number of times a mortgage loan servicer can claim they haven’t received all the documents they need. Then, they base their denial of a loan modification on the borrower’s lack of responsiveness. Whether your mental image of the problem […]
Why Tax Software Is Lousy Purchase
Why pay for Turbo Tax or its competitors when, odds are, you can get it for free? Unless you like burning money. Seventy percent of American taxpayers qualify for free tax software. If your income was $62,000 last year or less, you can use commercial tax filing software for free through the IRS FreeFile program. […]
My 7 Favorite Soapbox Posts Of 2014
I tallied the readership’s favorite posts of the year and found the list far different than mine. So here’s the counter-list of my favorite posts of 2014, drawn from material first published this year. Most impactful appellate decision Welsh was decided in 2013, but I talked about it on Soapbox in 2014: The Most Important […]
Best Of 2014 On Bankruptcy Soapbox
Here are the ten posts that most intrigued readers of Bankruptcy Soapbox in 2014. Some are new this year, and others are classics from earlier. In reverse order, the ten posts that spoke to you. 10. Six Rotten Reasons Not To File Bankruptcy Mortgage law attorney Bill Purdy walks through the misguided reasons his clients […]
Zombie Debt is Naughty, Not Nice
Despite his bankruptcy discharge, my former bankruptcy client has just been bitten by naughty credit reporting, and the interim results aren’t nice. When several years passed since the bankruptcy, my client thought he’d caught and controlled the old and the inaccurate credit reporting. Four years after the discharge was entered, a mortgage servicer has just […]
When Stagnant Home Values Mean Huge Savings
I thought the lien stripping ship had sailed. We are finally climbing out of the worst of the Great Recession and California real estate values are recovering. Turns out, I was wrong. It’s not too late to reduce your mortgage debt by tens, or even hundreds of thousands of dollars, if you live where real […]
Get Out From Under Student Loans In Half The Time
Work full time for a governmental agency or non-profit, and you can discharge your federal student loans after 10 years of payments. Regardless of the balance. Tax free. And regardless of the job you hold in a qualifying employer. Rich man, poor man, Beggar man, thief. Doctor, lawyer, Indian chief ! Not sure about these […]
California Restores Mortgage Debt Relief for 2013
California taxpayers who lost their home to foreclosure or a short sale in 2013 got a last minute tax break when the legislature extended favorable tax treatment for forgiven mortgage debt. The state law covers only sales or foreclosures occurring prior to January 1, 2014. It mirrors but is less expansive than the federal law on […]
Big Ocwen Payout To Victimized Homeowners
Ocwen’s mortgage servicing failings will cost it big bucks. The Attorneys General of the states and the CFPB have reached a settlement with Ocwen regarding its misconduct as a mortgage loan servicer. Ocwen must provide $2 billion in principal reductions to borrowers, along with cash to those who were victimized in the course of a […]
What You Don’t Know (Yet) About Your Mortgage Loan
The aftermath of mortgage mess mess will be with homeowners for as far into the future as we can see. Even those who held on to their homes can expect trouble. The “who’s got the note” theory of foreclosure defense that swept the rest of the country never made much headway in California. We are […]
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