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All Articles »Credit and Mortgage Lawyers USA - Recent Legal Articles

  • Defending a Debt Collection Lawsuit
      by HG.org

    If a person owes money to a creditor, the creditor or debt collection company may commence a debt collection lawsuit against the debtor. If the creditor secures a judgment, it can then take steps to collect on it through garnishment or attaching a lien on the debtor’s unexempted property. There are often several ways that a debtor can avoid these negative results, including the following:

  • What Happens in a Debt Collection Lawsuit?
      by HG.org

    Debt collection companies are often given a specific protocol to follow when collecting debts. Their owners may set out specific rules for these transactions. Additionally, federal and state laws often impose additional requirements regarding the collection of debt.

  • What is the Role of a Bankruptcy Attorney?

    Bankruptcy is a complex procedure that requires you to make a host of critical decisions from before the time you file straight through to the time your debts are discharged and the bankruptcy procedure concludes. An experienced bankruptcy attorney can guide you through the dizzying maze of decisions, paperwork and procedure that marks a bankruptcy filing, whether it is a chapter 7 or chapter 13.

  • New CFPB Rules and the Impact on Hard Money Lending

    Hard-money lending is becoming more popular in the mortgage industry as real estate investors try to find new ways to take advantage of opportunities quickly by accessing this source of liquid capital. In addition, as interest rates rise, hard money lending becomes a way for investors to close deals faster.

  • What Is a Loan Modification Lawyer?
      by HG.org

    Loan modifications are most commonly made to mortgages, often because homeowners are having difficulty making mortgage payments. A loan modification lawyer restructures an existing contract to modify the repayment terms of a loan.

  • Can You Recover from Bankruptcy and Foreclosure

    Former homeowners who have been foreclosed on have to go through an entire year of loss after loss. First, they lose their home and have to relocate. Next, they have to figure out how to re-establish credit because they have lost their once good credit rating. Then, as homeowners attempt to put this behind them, they go to the mailbox and receive a 1099. A 1099A or 1099C is issued by the creditor for the abandonment or cancellation of debt.

  • Chapter 13 Bankruptcy
      by HG.org

    When individuals have accumulated so much debt that it overwhelms them and they are unable to repay all of their debt according to the original terms of the contract, they may seek bankruptcy relief. Chapter 13 bankruptcy may be one option for them.

  • Defaulted Federal Student Loans and Tax Offsets
      by HG.org

    When a person stops making payments on student loans, the Department of Education may take action to collect on this debt. One method is to try to initiate a tax offset to recuperate some of the money owed.

  • Mortgage Companies Win in the Supreme Court

    Recently, on June 1, 2015, the United States Supreme Court decided the case of Bank of America v. Caulkett.

  • Alternatives to Foreclosure: Six Options

    What are the alternatives to foreclosure? Falling behind on your mortgage payments is extremely stressful. You toss and turn at night, imagining losing your house. But there is hope. Even if you've defaulted on your mortgage, you may be able to find an alternative foreclosure which will allow you to keep your home should you desire to do so.


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