Should I Reaffirm My Mortgage in Bankruptcy?
May 14, 2021If you're filing bankruptcy, it's generally best not to reaffirm a mortgage. In this guide, I'll explain why....
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Richard George Fonfrias's Legal Guides (53)
Chicago, IL
Lawyer at Chicago, IL
How to Get a Loan Modification
Jan 29, 2021This guide will walk you through how to get a loan modification. First, Start by contacting your lender or servicer right away and ask about your options. Do this as soon as possible. Some lenders req...
See Full GuideMortgage Loan Modifications
Jan 29, 2021What Every Homeowner Needs to Know About Loan Modification Basics of Loan Modification: If you’re behind in your monthly mortgage payments, you could be facing foreclosure. A loan modification can mak...
See Full GuideMortgage Payments During the Loan Modification Process
Jan 28, 2021If you are unable to make your mortgage payments, you might consider looking for a loan modification. This guide will answer your questions regarding the loan modification process. First, As a result ...
See Full GuideWhat It Means When the IRS Categorizes Your Account As “Currently Not Collectible”
Jan 28, 2021Everything you need to know about the IRS categorizing your account as Currently Not Collectible. What CNC Means? If your account is categorized as Currently Not Collectible (CNC) by the IRS, it means...
See Full GuideHow to Settle Your Debts for Less Than You Owe
May 01, 2020You don't need a lawyer to negotiate with a creditor. In fact, you can do it yourself and, in many cases, be just as effective as an attorney....
See Full GuideCan I File For Bankruptcy If I'm Not An American Citizen?
May 01, 2020There are often a lot of questions that can pop around the topic of bankruptcy, that you need to have a licensed bankruptcy lawyer to help navigate. One topic that can be confusing for most people is ...
See Full GuideTax Lien Basics
May 01, 2020Definition: Tax Lien A tax lien is a claim on your home or other real estate that is put there when you don't pay the taxes you owe. This can mean taxes owed by a person or business. Definition: Tax L...
See Full Guide4 Key Points To Remember About The Citation To Discover Assets
May 01, 2020After a creditor gets a judgment against you, the creditor asks the court to set a hearing that you attend called a "Citation To Discover Assets". This is how the creditor identifies your employer, sa...
See Full GuideIllegal Methods That Debt Collectors May Not Use
May 01, 2020Many people who owe money feel powerless. They have debts they can't pay, and are often embarrassed and humiliated. If you're a debtor, you'll be glad to know that federal law protects you from many m...
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