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Predatory lending takes a few different forms. There are mortgage relief scams, payday loans, balloon loans, loan flipping, and prepayment penalties that charge you for paying off a loan early. The most vulnerable to predatory loans (no one is immune) include subprime borrowers with low credit scores/incomes, the elderly, military service members, and anyone facing […]
Bankruptcy is often falsely associated with failure. But this is hardly the case, as the U.S. Bankruptcy Code was designed to provide people and businesses with a fresh start and a chance to improve their financial situation. Bankruptcy doesn’t always result from one’s financial habits. A fire or sudden loss of customers can cause you […]
There are many reasons homeowners fall behind on their mortgage payments. A job loss, decline in income, change in marital status, or medical emergency can strain your finances to the brink. Catching up on your mortgage loan may seem impossible, but it isn’t. Here are some affordable ways you can avoid the consequences of foreclosure. […]
Filing for Chapter 7 bankruptcy can help free you of large amounts of debt. It can be extremely beneficial if done right and with the help of a Los Angeles bankruptcy attorney. Unlike Chapter 13 bankruptcy, it does not require a court-approved repayment plan. So, if you are dealing with high credit card debt or […]
There comes a time in every law firm’s lifespan where we have to shamelessly promote ourselves and toot our own horn. This would be that time. There are a million reasons why we believe that OakTree Law is at the top of our class, but allow us to outline those reasons here. Life is full […]
Owning a home doesn’t protect you against losing your job, incurring unexpected repair or medical bills, or experiencing other forms of financial hardship. Missing a mortgage payment may seem quite devastating on top of your difficulties. However, the consequences aren’t always immediate, at least compared to not paying other bills. Having food on the table […]
There are always challenges with starting and building a business. It can be even more difficult to do so after filing for bankruptcy, especially when you need a loan to start your company. The bankruptcy court can be hesitant to grant permission if you need to take on more debt. In most cases, it’s unlikely […]
Chapter 11 bankruptcy can help you get out of debt and stay in business. Opening a business comes with many risks. Taking on debt can help grow your company, but financial troubles may arise for many reasons, even economic factors outside your control. If you choose to continue doing business and want to more affordably […]
Debt settlement and filing for bankruptcy can help get you out of debt. If you have more debt than you can repay, you can file for bankruptcy to discharge unsecured debts or create a repayment plan. Debt settlement enables you to negotiate with creditors if you have delinquent credit accounts or personal loans. How Settling […]
Repossession is when a creditor gains control of property used as collateral for a loan that’s in default. A creditor reserves the right to take away something you own if you violate the terms of the agreement. However, there are rules they must follow. If you’ve failed to make monthly payments, and/or are in default, […]
