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Robinson Sean Rowe
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Robinson Rowe’s Answers

94 total


  • Can anyone recommend a good foreclosure defense lawyer in Md?

    I'm trying to save my property that had a balloon mortgage. I have tried to work with my lender to do a refinance and then a loan modification, but my attempts were unsucccessful. I contacted a few companies like the Foreclosure Law Center in P...

    Robinson’s Answer

    What is your foreclosure defense based on? Some of the "popular" defenses you hear about on the news have already been determined (unfavorably) in Maryland. Also, since you have been fighting to keep your house, there are other options, such as restructuring in bankruptcy etc. Any attorney will want money upfront and hourly. Foreclosure defense isn't something suitable for equity share arrangements.

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  • Marital Credit Card Debt...how is it split up?

    My wife and I racked up $35,000 in credit card debt during our marriage. Currently, we are separated and I am making payments on one card ($300/month) and she is making payments on the other card, ($400/month). Both cards are in my name (big mis...

    Robinson’s Answer

    Any agreement between two people in a divorce is not enforceable against the lender. Whatever you agree, the lender still has the right to collect from both of you. You may want to enforce the agreement against her (this won't help your credit), or look into bankruptcy.

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  • Can i go to jail for an unpaid payday loan in Maryland? I

    I have contacted each payday company that I am currently unemployed and seeking disability due to my health. As soon as I was able to pay them I would. They act like they understand but not I have a company trying to take me to court.

    Robinson’s Answer

    No you cannot. Also, collection on payday loans are extremely restricted in Maryland. Make sure you don't let them bully you into a bad position.

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  • What can I do if a creditor supplies different information for verification than what's on my credit report?

    I just received a debt verification response from a collection agency that clearly does not address the verification items I requested. Also the original creditor's name is different than the one on my report. What can I do about this?

    Robinson’s Answer

    You may have a legal action against the creditor. Write a letter demanding your requested response, and send it certified mail.

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  • My house is in my name however my mom lives in the house she is in default the lender sent a letter to settle the 2nd mortgage

    if i make arrangements to pay it (this is not my principal residence) will the lender forgive the balance or can i have my mom assume the loan; basically how can i continue to let her stay in the property

    Robinson’s Answer

    You are on the deed... who is on the mortgage? How is she in default if your are the only owner?

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  • I want to return a vehicle that was given a Chim order during my Bankruptcy, can I do this without any repercussions?

    During my Bankruptcy the judge ordered a Chim order on my car. Since then I have not re-affirmed the loan but have made timely payments in order to keep it. I want to return my car but don't know how to do it or if it will negatively impact me in ...

    Robinson’s Answer

    Yes. A Chim order allows you to keep the car as long as you are current on payments. The benefit is that you can give the car back without issues - just as you are seeking to do.

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  • Is there a way to not pay for an involuntary admission?

    I'm being sued for an involuntary admission while I had no insurance at the time. I talked to the director of billing and the debt collection agency and they both said I will see you in court.

    Robinson’s Answer

    How were you admitted? Authorities? Family Members?

    If you're going to fight them, make sure an attorney advises you on the technicalities of collections laws.

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  • Forclosed 8/2010 the 2nd bought by collection Co. This is only debt besides current credit cds would it be wise to file bankrupt

    2/2010 forclosure 2nd not paid bought by collection co. other than current credit cards, car note that is the only collection however it is affecting my security clearance would wise to file bankruptcy? Would that clear the debt?

    Robinson’s Answer

    Bankruptcy would be a quick and easy way out, but that will require a financial evaluation first to see if you even qualify.

    Also, if the collection company violates any collection laws, you may countersue them and include a settlement of debt.

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  • How do speed up foreclosure.

    The state is Maryland. My home has been in foreclosure mode for over a year and a half. I want to walk away and take the penalty. The bank has refused several offers on the house for a short sale because the loan amount is significantly high th...

    Robinson’s Answer

    You can't force them to speed anything up. Is there a chain of title issue (causing the delay)?

    Bankruptcy would be a quick and easy way for you to walk away, but that decision would require further info on your financial circumstances.

    Plain and simple, if you want to walk away and "take the penalty", what's stopping you from just moving out and on with your life? The penalty will come sooner or later, but its not stopping you at this point.

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  • I own home loan. Mother and Brother on the title, when time comes (she dies) to sell what are options?

    Brother is estranged and probably will not agree to sell home, in planning what would be my options?

    Robinson’s Answer

    • Selected as best answer

    Some of this scenario requires information on the type of ownership you hold. But generally, when you mother passes, the property will pass to you and your brother... unless there are specific instructions, it will pass 50/50.

    If he doesn't want to sell, you have to file an action for partition of property or sale in lieu. The court will order either that he buy out your interest or the house be sold and the proceeds shared.

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