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Debt seems to be a word we’re all too familiar with these days. Americans are said to have an average of 38k in personal debt, and that doesn’t include home mortgages. Most households rely on credit cards to get by, but then quickly realize they are in over their heads when it is time to […]
Paying the monthly mortgage bill can become difficult, depending on whatever financial situation arises. Lenders often provide the option to refinance a mortgage loan. Another option is loan modification. Rather than starting over with a new loan, this adjusts the original loan terms. Your lender can, therefore, help make the loan less of a burden. […]
The foreclosure process starts once you get a Notice of Default (NOD) from your lender. You’ve missed at least three mortgage payments, maybe more, so there seems to be no way to avoid losing your home. However, there are a few strategies that can set you on track. A foreclosure attorney near Los Angeles can […]
If you’re facing large amounts of debt, resolving your situation is a top priority. Keeping your car is probably at the top of the list as well, since you’ll still need to get to work, the grocery store, and to school to pick your kids up. Whether you can keep your car depends on several […]
When you file for bankruptcy, it can remain on your credit report for up to 10 years. You may wonder what good discharging your debt has done. However, it’s possible to start rebuilding your credit soon after your bankruptcy filing. In fact, lenders can look upon your lighter debt burden favorably. There’s also no possibility […]
There are many reasons a landlord-tenant dispute can arise, which is why it’s important to have an experienced real estate attorney in Los Angeles by your side. The most common issues include a breach of the lease agreement, responsibility to make repairs, and failure to make payments on time. Landlords and tenants may have disputes […]
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 […]
