As most will attest, marriage and money can be a complex combination. When you got married, you and your spouse likely merged finances with a positive outlook, looking forward to all the benefits of a strong partnership. As the years pass though, there are inevitable...
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Year: 2017
Can the Bank Freeze My Checking Account if I File for Bankruptcy?
You may have been out shopping for groceries this past weekend, or perhaps at your favorite local hardware store picking up tools and materials for a few maintenance projects on your home. As you perused the aisles and began filling your cart, most likely you had no...
Avoid Any Question of Fraudulent Behavior When Filing for Bankruptcy
Although most debtors preparing to file for bankruptcy are under serious financial duress, they may still have issues regarding spending and asset allocation that require consideration in pre-planning. You may be eager to get your case rolling along-whether filing for...
After the Bankruptcy Discharge: Forging Ahead on a Positive Note
While many still see a stigma attached to the process of filing for bankruptcy, just as many debtors (and some in the public eye) are completely upfront about their financial struggles. You may have friends or family who have filed after extreme financial challenges....
Chapter 7 & Chapter 13: What is Bankruptcy Pre-Planning?
Like millions of others before you in the US, you may have decided to file bankruptcy due to an overwhelming amount of debt. You probably never expected to be in such a position, but life is full of surprises and unfortunately, they are not always good when it comes...
How Does Bankruptcy Affect a Reverse Mortgage?
Despite the controversy surrounding reverse mortgages, many thousands of homeowners in the US have used them to receive their choice of the following: A sizeable lump sum payment representing their accrued home equity Monthly payments from the bank (in lieu of the...
New Jersey Homeowners: What is a Notice of Intent to Foreclose?
If your home is being foreclosed on, chances are this is a financial issue that has been building for a while. While the foreclosure process is one that may drag out over a long period of time, eventually the foreclosure notices will begin to arrive. This may be an...
How Many Times Can I File for Bankruptcy?
The goal behind filing for bankruptcy is to pave a new financial path for yourself, free of debt. The stories behind bankruptcy vary, however, and are often the result of unexpected, even catastrophic events. And just because something happens once, unfortunately,...
Bankruptcy: What is the Means Test–And What if I Don’t Pass?
Filing for bankruptcy is a major step, and probably not something you ever wanted to do. You may have been in a major accident, or you or a family member may have experienced an extended illness that resulted in insurmountable medical bills. Budgets may have been cut...
CONSUMER FINANCIAL PROTECTION BUREAU SUES OCWEN FOR “FAILING BORROWERS AT EVERY STAGE OF THE SERVICING PROCESS”
In late April of 2017, the Consumer Financial Protection Bureau (CFPB) sued Ocwen Financial Corporation over allegations of widespread misconduct in how it serviced borrowers' loans. Headquartered in West Palm Beach, Florida, Ocwen is one of the nation's largest...