I tallied up reader favorites from the 2017 posts on Bankruptcy Soapbox. The balloting is a bit unfair, since the fall and winter posts haven’t had the same exposure that posts from earlier in the year. But take note: the runner up is only about 8 weeks old. Your favorites, in reverse order: 10. Making […]
How Avoiding Probate Ended Up In Bankruptcy
Do it yourself seems so industrious and self reliant. And we’ve been bombarded with books, speeches and courses on the evils of probate. So, I guess it should be no surprise when people try DIY schemes to both avoid probate and avoid lawyers who create probate-avoiding trusts. Yet they forget an unavoidable truth: the transfer […]
Loan Modification: The $100,000 Mistake
The job of a mortgage servicer is to collect loan payments and keep track of what’s owed on the mortgage. That shouldn’t be too hard. But the evidence is that they don’t do that basic job very well. Throw a loan modification into the mix, and who knows what you’ll get. Accounting for modification […]
Getting A Loan Modification Is Only Half The Fight
Loan modification troubles persist, long after the loan modification. For all of you who stressed, strained, fretted, wheedled, worried, fought, kicked, and even gouged to finally wrest a loan modification from the lender/servicer that controls of your home loan, I have a message. The fight may not be over. “We Don’t Have Any Record of […]
Locked Out Of Court: The Not-So-Fine-Print Arbitration Clause
Equifax and the CFPB have teamed up, sort of, to focus attention on consumer rights when dealing with huge consumer businesses. Equifax, alongside Wells Fargo of the millions of unauthorized bank accounts, want to limit their customers’ access to the legal system. Their boilerplate agreements prohibit customers banding together in class actions, and lock individual […]
How Their Telephone Can Ruin Elders
The elderly couple was suddenly in financial trouble. The two mortgages on their home were a couple of months delinquent. Their bank account had just been levied by the state taxing authority. They hadn’t filed tax returns in several years. From the outside, it didn’t seem like anything had changed. Yet their financial world was […]
Tax Tidbits As Filing Deadline Approaches
If you got an extension to file your tax return, and tax filing time has arrived, you may need some moral support and some reliable information to get the job done right and on time. This site often focuses on taxes, not because we are tax professionals, but because tax troubles are one of the […]
3 Things Turn Off This Bankruptcy Lawyer
Looking to find a bankruptcy lawyer. Then you need to know what makes a good bankruptcy client. A good bankruptcy lawyer doesn’t waste time with some kinds of prospective clients. TThat’s because an experienced bankruptcy lawyer can see trouble from the start. So what would make a bankruptcy specialist turn down work? That is, other […]
The Government Loans That Bankruptcy Wipes Out
Believe it or not, certain unsecured loans from government entities are dischargeable in bankruptcy. This includes SBA loans, and loans made through The Department of Veteran’s Affairs (VA), Department of Housing and Urban Development (HUD) and others. That’s the good news. What is CAIVRS and How is it a Problem? The bad news is that […]
The Killer Rule That Zaps Private Student Loans
Got private student loans? I’ve got good news and bad news. Bad news first. Private Student Loans Inflexible Private student loans have no built in mechanisms for deferment and forbearances, like government-backed loans do. There are no income based repayment plans, as there are with federal student loans.’ No “outs” for disability or schools that close […]
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