“Ten Years of Garnishment Down the Drain”: In this series of Real Life Examples, I would like to highlight a potential client who came to us after ten years of wage garnishment at $400 a month. They were upset that the loan balance had not gone down at all, but…
The Wall Street Journal reported today that the current administration intends to roll back some of the protections put into place by the Obama administration such as the gainful employment rule. This will enable hundreds of for-profit schools to remain open that were at risk of closing. Not sure if…
“The Lost Ten Years”: Sometimes I get a little focused on the more unique and “outside the box” solutions that I tend to blog about, and I forget that little things are just as important to obtaining the right result. So I hope to publish a series of Real Life…
For anyone who reached out to file a comment with the FCC as we requested, we thank you. The FCC received over 10,000 comments filed by consumers opposing ringless voicemails, plus actions were filed against this change in the law by the Attorney Generals in NY, MA and Kentucky. A…
In a perfect world, a mortgage creditor should: Timely file accurate proofs of claim for prepetition arrearage; Properly calculate postpetition PITI payment; Apply payments in accordance with confirmed plan; Conduct annual escrow account analysis that reflects payments made under confirmed plan; Send accurate payment change notices, with attachments for RESPA…
One of our most successful cases this month was the discharge of private student loans for our client who attended a Caribbean medical school. The key was that the foreign medical school was not listed on the Federal Schools Codes List as being eligible for federal funding. That particular fact…
Having a watchdog such as the Consumer Financial Protection Bureau (CFPB) out there looking out for consumers’ interests is a good thing. Please call your representative THIS WEEK. The U.S. House of Representatives will vote this week on H.R. 10, the Financial Choice Act sponsored by Congressman Jeb Hensarling…
It is very important to correctly reflect the assets of your bankruptcy estate and your intentions as well as meet all the other requirements to properly file a bankruptcy. Documents that appear thorough, accurate and complete when filed, tend to receive far less scrutiny. When in doubt, disclose, disclose and…
I implore you to go to the link below and provide a brief comment – we need help from consumers to keep the cell phone laws intact to stop invasive robocalls: CBS News ran a terrific prime-time piece last night, featuring NCLC’s Margot Saunders, on TextCaster’s request that the FCC…
According to the US Census Bureau, and their latest full year of researched data on child support payments (2007), of the $34 billion dollars in child support that was owed, nearly 62% of it was reported as received by the end of the year. What does that tell us? Well,…