When you apply for a credit card, you’ll sign a credit card agreement that states you agree to pay your creditor under the terms of the agreement. When you fail to make timely payments or stop paying an account, the creditor may take a variety of steps to obtain the money owed. The first steps […]
Are HOA Rules Enforceable Under the Law?
Homeowners associations provide some valuable benefits like landscaped common areas, community pools, and security patrols, but they also have a terrible reputation for telling residents what they can and can’t do in their own homes. While some of the rules an HOA may have on the books may sound slightly annoying, others can seem completely […]
What Happens During a Real Estate Closing?
If you’ve ever bought a home, you know that the process can take months and that there are many more steps involved than merely the final signing of the paperwork (which, in and of itself, is quite significant). One of the processes that you should understand is real estate closing, which can seem like a […]
Is It Possible to Negotiate With Debt Collectors & Creditors?
No one wants to get into financial trouble, but there are many reasons the average person may get into trouble with a creditor or have a debt sold to a debt collector. Medical bills, the loss of a job, poor financial decisions, and economic turmoil can turn a person’s bills into an unsustainable mess where […]
When is the Best Time to File for Bankruptcy?
Filing for bankruptcy is rarely a decision that feels “good,” but there are some choices that can make filing for bankruptcy a less stressful experience that will result in the most advantageous result. Filing for bankruptcy requires much more than filling out a simple form and submitting it for approval to a judge. The process […]
Making Sure a House has a Clear Title
One of the problems future homeowners may encounter when they try to buy a home is the discovery of a tax lien or judgment on the property’s title, which can put a successful sale into jeopardy. Sometimes called a “marketable title,” a clear title on a house means that no one will come looking to […]
Can I Keep Any of My Property During Bankruptcy?
When you file for bankruptcy, does the court take every possession you own to pay your debts? The answer is the court will never take everything you own, but you may lose some of your most valuable possessions and anything that isn’t exempt under bankruptcy law. One of the most-asked questions regarding bankruptcy exemptions is […]
Do I Need an ABA Accredited Lawyer?
Membership with professional organizations, state and national accrediting bodies, and the American Bar Association can help ensure your lawyer is the best-qualified candidate to take on your case, whether that attorney will help with your bankruptcy case or whether he will work as your real estate lawyer. A brief look at the memberships and certifications […]
When to Seek Help from a Real Estate Lawyer
Speak With an Attorney Early A real estate lawyer can offer you the best advice before you sign a contract, apply for a loan, or start the official home-buying process. While you may ultimately decide you don’t need assistance from a real estate attorney, their services are best procured before you enter into any legally […]
Bankruptcy and Credit Rating
In some cases, it may take years to rebuild your credit fully and reach a point where you can apply for credit cards and receive the lowest rates on interest, as well as enjoy approval for car loans, personal loans, and mortgages. Read on to discover the relationship between filing for bankruptcy and your credit […]
