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Debt Collections

Getting From Point A to Point B With Money

Chapter 13, Chapter 7, Debt Collections, Exemptions, Family Law and Bankruptcy, Student Loans & Bankruptcy

Taking a trip is exciting. You have a staring place [“Point A”] and a destination [“Point B”]. Along the way, is the “journey.” Getting from Point A to Point B is simple when it’s a road trip because we look at a map, or nowadays, we’ll just plug in our destination into our GPS system, […]

Let’s Make A Deal; Debt Collectors!

Chapter 13, Chapter 7, Debt Collections, Fair Debt Collections Practices

Today we’re going to play a game that I love.  Negotiations with debt collectors! Also known as debt settlement. In the recent Los Angeles Times article, Making a Deal with Debt Collectors, by Liz Weston, she provides such a shallow and generic approach that I am immediately propelled into blog writing mode.  This article is […]

National Collegiate Student Loan Trusts: California Update

Chapter 13, Chapter 7, Debt Collections, Student Loans & Bankruptcy

Even though private student loans make up a fraction of the overall student loan debt in the United States, they pose a threat to our future economy for several reasons. First, nearly all of these loans are co-signed, which means we have multiple borrowers that have taken responsibility for repayment.  I’ve seen parents, in-laws, ex-spouses […]

Just Got Sued? Do This First . . .

Bankruptcy & Civil Litigation, Chapter 13, Chapter 7, Debt Collections

If you’ve just gotten served court papers, indicating that a debt collector has sued you, you must act quickly to develop the best strategy in defending this law suit. You only have 3o days to respond to this lawsuit, so time is of the essence. Making the right decision as to your options must be […]

A Bankruptcy Expedites Financial Success

Bankruptcy Law Overview, Chapter 13, Chapter 7, Debt Collections

I’m so tired of hearing that “bankruptcy is failure.”  It’s simply not true, and yes, I am biased.  However, I have seen bankruptcy success stories, like Dave Ramsey, Walt Disney, J.C. Penny, darn near every football player ever, and more are listed in this article. If bankruptcy works for successful business folks, then why are […]

Are You Stressed About Student Loan Debt?

Chapter 13, Chapter 7, Debt Collections, Fair Credit Reporting, Fair Debt Collections Practices, Student Loans & Bankruptcy

Earlier this month the Consumer Financial Protection Bureau (@CFPB) launched a public inquiry into student loan servicing practices.  Read their full press release here. It’s time your voice was heard.  From my experience, the main barriers to repayment continue to be a lack of information made available to students from the time they take out […]

Song About Bills Shows You’re Not Alone

Chapter 13, Chapter 7, Debt Collections

With nearly 800,000 bankruptcy filings over the past few years and the folks over at Credit Slips (@CreditSlips) estimating the trend continuing, those that file for bankruptcy protection are truly not alone.  Then, we begin hearing this catchy new tune on the radio simply entitled “Bills” by an emerging artist named Lunch Money Lewis (@LunchMoneyLewis). […]

Obama Student Loan Forgiveness Starts Here

Chapter 13, Chapter 7, Debt Collections, Fair Credit Reporting, Fair Debt Collections Practices, Student Loans & Bankruptcy

With so many companies guarantying student loan debt forgiveness and using Obama’s words to market and sell their offerings, I thought I would set the record straight! YOU CAN HELP YOURSELF FOR FREE YOU CAN HIRE ONE OF THESE COMPANIES THAT MAY NOT BE LAWYERS; OR YOU CAN HIRE A LAWYER TO REPRESENT YOU Don’t […]

Help For Identity Theft Victims

Debt Collections, Fair Credit Reporting

If you’re a victim of identity theft, where do you begin to clear your good credit and your name? With the increased internet hacking cases, it’s more important than ever to protect your identity.  No matter how proactive you are, identity theft can strike anyone at any time.  When it does, you need a plan […]

The Secret Trick To Getting Out of Debt

Chapter 13, Chapter 7, Debt Collections, Fair Credit Reporting, Fair Debt Collections Practices, Family Law and Bankruptcy

Are you caught up in a vicious debt cycle that feels like it will never end?  Have you considered payday loans or already have one? Are you overwhelmed by all the so-called “help” on the internet about getting out of debt? The real secret to getting and staying out of debt requires a permanent change […]