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Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog

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Mortgage Company Billing Errors – Merely Transferring the Account Does Not Eliminate Legal Responsibility

Some borrowers run into trouble with their mortgage companies that is not of their own doing.  One thing the mortgage servicer likes to say is that it isn’t their problem, the prior servicer handled that – and the borrower is still in default or owes some fee. However, the subsequent…

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House Rich, Cash Poor?

Home sellers and home buyers are likely both waiting for some kind of change in the financing markets right now. Those homeowners locked in with low rates do not wish to sell, but cannot maintain a standard of living with their current income and increased expenses.  They may not qualify…

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Educational Benefit Isn’t What it may Appear at First Blush

One of the early and frequent arguments made by opposing counsel in our private student loan discharge adversaries in bankruptcy is that the student loans were made for an educational benefit and thus are excluded from discharge.  Specifically, Section 523(a)(A)(ii) exempts from discharge “an obligation to repay funds received as…

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You Can Get Rid of a Timeshare (Vacation Club) In a Bankruptcy

Stuck in a timeshare (or nowadays they are called vacation clubs or vacation ownership plans) you can’t get out of?  You can get rid of a timeshare in a bankruptcy.  If the timeshare is a contract agreement for points etc., then the contract can be rejected as an executory contract. …

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Facing a Foreclosure Filing? Don’t Go it Alone.

Supposed a foreclosure lawsuit is filed against you.  You file an Answer.  The plaintiff files a motion for summary judgment quickly.  New civil procedure rules require a homeowner to file his or her defense 20 days before a hearing.  Most people are unware of that rule and lose.  Even if…

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You Should Still Consider Consolidating Older FFEL loans Before May 11 When the Emergency Ends

Some of you may have heard that the May 1 deadline to consolidate older FFEL federal student loans to the newer Direct student loans for the one time account adjustment has just been extended until the end of the year.  While that initially seems like great news, why is it…

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Debt Settlement Companies – Often Not a Good Option!

Something going around one of the listserves I monitor daily is how debt settlement or debt consolidation companies are a sham. The facts for this one:  (by the way, the client provided a copy of the written agreement to the attorney so the fees and proposed settlement amounts were verified)…

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Bouncing Back From Bankruptcy is Easier Than You Think

You can bounce back from bankruptcy way more quickly than you think.  For instance, debtors who file bankruptcy can qualify for an FHA loan in as few as two years, or a conventional loan four years after filing. What about credit scores?  They can and frequently do go up right…

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