John Refaat Habashy’s Guides

John Refaat Habashy

Los Angeles Litigation Lawyer.

Contributor Level 12
  1. Debt Collection Attorney

    Written by attorney John Habashy, almost 4 years ago.

    If your letter writing, personal meetings, and phone calls have all failed to resolve a debt issue, it's time to call in a professional -- a debt collection agency or a lawyer specializing in debt collection. The most obvious choice to collect an unpaid debt is a collection age...

    1 person found this Legal Guide helpful

  2. What Documents Do I Need for Bankruptcy

    Written by attorney John Habashy, almost 4 years ago.

    A debt that can be eliminated in bankruptcy is called a dischargeable debt. In most cases, dischargeable debts include credit cards, medical bills, vehicle repossessions, payday loans, personal loans, lawsuits, and foreclosures. There are certain debts laid out in the Bankruptcy...

    2 people found this Legal Guide helpful

  3. Short Sale vs Foreclosure Credit Effects

    Written by attorney John Habashy, almost 4 years ago.

    While in both cases, short sale and foreclosure, the delinquent mortgage will negatively affect their credit rating, at least short sellers avoid having a "debt discharged due to foreclosure" on their credit reports. Mortgage and credit experts say that, after bankruptcy, having ...

    2 people found this Legal Guide helpful

  4. What Criteria Must I Meet to Be Considered in a “Hardship” Situation?

    Written by attorney John Habashy, almost 4 years ago.

    Borrower will usually to prove a hardship and therefore unable to continue making payments on the mortgage. A hardship situation is one that is the result of some extenuating circumstance that forces the borrower into a position where they can no longer afford their mortgage pay...

    1 person found this Legal Guide helpful

  5. How Does the Litigation Process Work?

    Written by attorney John Habashy, almost 4 years ago.

    The litigation process is divided into four phases. Stage One.The first stage involves the investigation and filing of the complaint. During this stage, the attorney investigates the factual basis of the claim and legal theories of liability. The attorney may hire investigators,...

    2 people found this Legal Guide helpful

  6. How Long Does Chapter 7 Bankruptcy Take?

    Written by attorney John Habashy, almost 4 years ago.

    Usually, most Chapter 7 cases take anywhere from 3 month to 6 month before debt is discharged. Depending on the district of filing, certain debts will not be discharged, such as student loans and back owed taxes. Securities securing secured debts, such as real property in mortgag...

  7. Can You Refinance after Bankruptcy?

    Written by attorney John Habashy, almost 4 years ago.

    Many people who have filed bankruptcy know little about the process. Often times debtors are unaware of their options in a chapter 13 because they rely on their attorney; their attorney has a fiduciary relationship with the debtor. A bankruptcy attorney's job is to know bankrupt...

    1 person found this Legal Guide helpful

  8. Social Implications of Bankruptcy:

    Written by attorney John Habashy, almost 4 years ago.

    Debtors seeking bankruptcy protection ask about social implications associated with the process. Many distressed debtors question how bankruptcy will be reflected in their everyday lives. Also, it is common for a distressed debtor to avoid bankruptcy due to unfounded fears. In ...

    1 person found this Legal Guide helpful

  9. Protecting My Home from Foreclosure:

    Written by attorney John Habashy, almost 4 years ago.

    In my many years defending distressed borrowers, I witnessed common trends between homeowners who face foreclosure. Ironically, most distressed homeowners produce conditions that lower their chances of keeping their property once an economic recession starts revealing its teeth. ...

    2 people found this Legal Guide helpful

  10. Effect of Bankruptcy on Student Loans:

    Written by attorney John Habashy, almost 4 years ago.

    Under bankruptcy law, student loans are given special status. Generally, bankruptcy can not discharge labiality of repayment of student loans. But because of special status, student loans payments are considered as an exemption in Chapter 7 and incorporated in chapter 13 repaym...

    1 person found this Legal Guide helpful