Category: Consumer Columnists

AS a bankruptcy attorney and financial recovery counselor, I see a lot of people who are spending way beyond their means. They are always struggling to make ends meet and…

ALMOST all economists and think tanks fear the same worst scenario for the US economy.  I know we probably might think that the economy seems to be picking up steam….

DEBT is a common problem that a lot of people struggle with and many people want to know how thy can become debt-free. Of course, in today’s society, you can’t…

Some encouraging news for financially stressed homeowners across the country: The Senate Finance Committee approved a bipartisan bill before heading home for summer recess that would extend the Mortgage Forgiveness…

If you are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies and solutions. The choices seem confusing to the average…

LIFE just happens. Sometimes even the best laid plans can go wrong. How do you respond when this happens to you? Do you easily give up when you’re overwhelmed? Remaining…

CALLER: My neighbor has a loan modification package that reduced their loan balance by about $200,000; this reduced their payments about $600-700 per month.  I have a very similar situation…

IN MY work as a Bankruptcy Attorney, I usually have the privilege of meeting all kinds of people from all walks of life.  Some are poor, some are rich.  Some…

DUAL Tracking is the practice of negotiating with clients to modify a mortgage so that payments become more affordable while simultaneously pursuing foreclosure.  What most of the calls I am…

YOU’VE probably heard the saying, “The failure to plan is a plan to fail”.  And yet so many of us don’t realize how we so easily neglect to plan for…

IF YOU are buried in debt, you may be feeling trapped at the moment with no way out. You realize you need help but don’t know where to go for…

CALIFORNIA  would prohibit the charging of advance fees to homeowners in connection with a loan modification, and require anyone who wishes to charge a fee for loan modification services (after…

IF you are struggling with serious debt problems and the idea of filing for bankruptcy has crossed your mind, like most people, you may have some “fears” about bankruptcy that…

NOW when lenders pursue foreclosures and simultaneously negotiate with clients to modify their mortgages so that payments become more affordable. Homeowners will not wind up being evicted even though they…

NO ONE ever likes to talk about bankruptcy. However, it’s simply a fact of life. Things happen. Whether it’s losing your job, going through a divorce, having huge medical bills…

WHEN your financial circumstances are forcing you to declare bankruptcy, it is one way of dealing with debts that you can no longer manage on your own.  Of course, the…

SINCE I started informing my readers about the Harp Refinancing program, I have been getting a high volume of calls inquiring about this.  Thanks so much for your support and…

IF YOU are like a lot of people who have old, unpaid debts, collection accounts and judgments from their past that they don’t even remember, you may feel that it…

For qualified borrowers who might not have any equity to Refinance ASK about the the NEW FHA Streamline started June 11, 2012 with much lower PMI and almost 0 MIP….

THE key and only answer is because they are keeping lending rates at all time lows.  I suggest you better stop, listen and act on this.  Why? Because if you…