CARES Act: 12 Month Mortgage Forbearance

Included in the 2 trillion dollar Coronavirus Aid, Relief, and Economic Security (“CARES”) Act is a provision that allows homeowners with government guaranteed loans (Fannie Mae and Freddie Mac) to request up to 12 months of mortgage payment forbearance....

Paying an Old Judgment

I’m trying to buy a home and a fairly old judgement that I was unaware of needs to be paid in order for me to close on the home. Paying the debt is not the issue, I just need to find who owns it. The original judgement was filed in 2014. The cosigner on the loan...

Student Loans & Bankruptcy

I am curious if anyone has had success in having their Student Loans discharged through Bankruptcy. I know it is difficult to do, but it is possible? I’m looking at not being able to start a family, or buy a house, for the next 20+ years due to my student loan...

A Letter to Stop Debt Collectors from Calling

Those phone calls never stop. When you default on paying your bills, the bill collectors call and call and call. It’s enough to drive you mad. Frequently we file bankruptcy cases for elderly clients living on protected Social Security income. They don’t...

How Will Bankruptcy Affect My Credit Score?

Everyone knows that filing bankruptcy will have a negative affect on your credit report, but how long does that last? How bad is it? There is no one simple answer to this question.  Filing bankruptcy effects everyone differently since each credit file is unique. In...