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  • Home Equity Lost Because Seller/Mortgager Misclassified the Type of Home
      by HG.org

    There are various complications that may arise when attempting to acquire or secure home equity in a sale or purchase based on the actions of the buyer or seller. When this occurs, it is important to understand what occurred, how to proceed and if a lawyer’s assistance is necessary to seek a resolution for the problem.

  • Utilizing the Bankruptcy Mean Test
      by HG.org

    Preparing for bankruptcy is often difficult, but the person affected must ensure he or she qualifies based on certain criteria such as the bankruptcy mean test. This is used to determine if the person has low enough income to file Chapter 7 when bankruptcy is the only way out of financial ruin and needed to resolve these matters.

  • Foreclosure Defenses for Homeowners
      by HG.org

    When someone has defaulted on a loan for their property, the lender may take steps to foreclose on the property and to sell it at auction to the highest bidder. However, there may be certain defenses that the homeowner can raise to defend against foreclosure. It is important that he or she understands the process of foreclosure and these possible arguments.

  • Student Loan Dischargability: A Debtor Attorney’s Perspective

    Student loan debt in the United States is the largest class of consumer debt today behind mortgages, and is higher than both credit card debt and automobile loans.

  • When You May Need to Contact a Lawyer to Protect Your Creditor Rights
      by HG.org

    Creditors lend funds to various persons and businesses through contractual agreements with payment terms and other conditions outlined specifically. However, when these deals are broken, it is important to contact a lawyer so that the rights of the creditor may be protected against bankruptcy, when the debtor cannot pay and the death of the individual who borrowed the monies.

  • Can I File for Bankruptcy to Prevent Lien in Case the Plaintiff Wins Pending Lawsuit?
      by HG.org

    A bankruptcy filing has an immediate effect on pending lawsuits and existing judgments. However, filing for bankruptcy before someone obtains a judgment can have certain benefits. These benefits may prevent the enforcement or issuance of a judgment.

  • Stopping Foreclosure Judgments and Sales
      by HG.org

    Many homeowners find making mortgage payments difficult when they have families or when work slows down. This then causes complications with the bank, with credit status and housing. If the person who owns the home cannot make the payments, foreclosure may be a guarantee after so many months.

  • New York Religious Corporations Law and the Mortgage of a Church
      by HG.org

    Mortgages of commercial or nonresidential property may be difficult to manage with different rules and regulations. When the object is a church, these circumstances become more complicated. Approval to mortgage a church building is often needed by the local or regional religious affiliation as well as the courts of the state.

  • Bankruptcy – Is It Good for You?

    With the last decade’s recession causing a huge spike in the number of people who fall under the qualification of bankruptcy, a lot have given serious thought on filing for bankruptcy. As an example, two counties in Baltimore, Maryland are in the top 100 counties with the highest bankruptcy rates in the country. Given these numbers, you might want to evaluate your situation and if you feel you qualify as well, you might want to get with your nearest Baltimore bankruptcy attorney.

  • What Does the Foreclosure Process Entail?
      by HG.org

    The foreclosure process is initiated when someone that has a mortgage or other loan on a house cannot pay the amount due. After so much of this, the lending agency starts the procedure to seize the property and auction it to attempt to obtain the funds that are needed.


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