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May 2017 Archives

Try these methods to stop foreclosure

To many people, receiving a notice of default on their home means that they have very little if any hope of saving it. Truth is, even if a homeowner is over three months behind on their payments, there are still a few things they can do in order to stop foreclosure. In Florida, many people suffer through the repossession of their home each year. But there are ways to keep this from happening.

Consumer accuses lender of creditor harassment via telephone

A consumer has filed a suit against her lender, claiming that her privacy was invaded when the lender continued to harass her. The suit was filed against Santander Consumer USA Inc. in April. The plaintiff alleges that the debt collector violated both the Florida Consumer Collection Practices Act and the Telephone Consumer Protection Act and committed creditor harassment via telephone.

Chapter 7: The good and the bad

The decision to file bankruptcy can be a difficult one to make. On one hand, people must consider how their credit will be affected, how their reputation could be tarnished, and how it may affect how they feel about themselves. On the other hand, it could be a fresh financial start for the client, as it will stop any and all creditor harassment and give the person who files the chance to reset his or her budget. Anyone in Florida who is considering Chapter 7 bankruptcy may want to consider the pros and cons.

Chapter 7 or Chapter 13: What's the difference?

For those who have become overwhelmed with personal debt, bankruptcy can be the relief they need to get a fresh start. Some may wonder, however, whether Chapter 7 or Chapter 13 is for them. What are the differences and how should one choose? Florida residents who are considering bankruptcy may want to understand the differences.

Debunking common bankruptcy myths

When you lose your job, suffer an injury in an accident or simply find yourself with mounting bills you cannot pay, it is difficult to see the way to a brighter financial future. Fortunately, for many who deal with the smothering weight of overwhelming debt, bankruptcy is a viable alternative to suffering under the harassing calls of creditors.

Landlords could face lawsuits in bankruptcy collections attempts

Landlords who make an attempt at taking possession of a rented location should be careful if the tenant has filed bankruptcy, says one report. According to the story, landlords who threaten to evict tenants while attempting to make payment collections could face lawsuits for both punitive damages and emotional distress. This report comes after a Third Circuit Court of Appeals awarded both to tenants whose landlord had violated the automatic stay of bankruptcy. While this case was in another state, similar cases are heard each year in Florida.

Proposed law could offer student debt relief in bankruptcy

Student debt is currently among those types of loans which are not allowed to be discharged in a bankruptcy case. A few lawmakers are trying to change all of that. The two representatives, one Republican and one Democrat, are working together to try and reform the rules of federal bankruptcy so that people can have some type of student debt relief when they file for bankruptcy. This could be good news for many Florida residents.

Woman sues debt collector for unlawful calls, creditor harassment

Debt collector harassment can be traumatizing to many who are bombarded with calls, letters and even late-night knocks at the front door. One woman was fed up with the antics of a debt collector and decided to do something about it. She sued the man, alleging that he had harassed her over the phone. For those who are struggling with this type of creditor harassment in Florida, this option could be available to them as well.

Car exemption, and other common exemptions in Chapter 13

Chapter 13 bankruptcy is a bit different than a Chapter 7 bankruptcy in several ways. One of those differences has to do with exemptions. While Florida has its own set of laws that classify the various properties that are exempt, there are several types of exemptions common to most states. These include a car exemption, house or homestead exemption, clothing and personal item exemption, and jewelry exemption.

What happens when a person files chapter 7 or chapter 13?

The choice to file for bankruptcy is made by thousands of Americans every year. Many declare personal bankruptcy in the state of Florida and get a fresh financial start. While some may be considering chapter 7 or 13 as an option, others may wonder what happens when a person files for bankruptcy.

Man sentenced to nine years for foreclosure scam

According to state prosecutors, a man will spend nine years in jail for scamming homeowners and evading his taxes. The man preyed upon those who were desperate to save their family's home from foreclosure. He was sentenced to 108 months in prison, plus another three years of release under supervision. While such scams are a problem in Florida, residents can be aware of what to look for.

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