What is the point difference on one's credit report when they a) foreclose b) short sale or c) deed in lieu of foreclosure:

It also depends on what score you use. They all bring your score down because they show either a deficiency or an inability to pay. Do whatever is...

Property being sold @ the sherrif's sale on the court house steps, at what point can/can't the lien holder change their mind?

Lienholders can change their minds up to the time of sale. They can even pull the property off the block on the same day. Once the auction begins,...

What kind of rights do I have in Chicago while I'm a tenant in condo unit that's in foreclosure?

A new federal law gives tenants of properties in foreclosure until the end of the lease or 90 days, whichever is longer, before he must leave. You...

Can i legally digital record my telephone conversations with only a prior verbal consent documented with a date and time?

If all parties to a phone call agree to record, then it is legal regardless of the state. You might want a reminder on the message that the call is...

Can a agency be held liable under privacy act for disclosing your information to another without you being notifed of this act .

There are many privacy acts. Why was the information transferred? Was the agency bought out? Did the agent leave the company? More information is...

Can an employer say is going to fire you on a speaker phone in front of other workers?

While it is bad practice, nothing requires a boss to threaten firing in private. Bosses sometimes do this to put everyone on notice that the job...

Do i need consent from a business to publish their listing information on an iphone app.

All I will add is that you can freely use any information in the public domain or that is not entitled to copyright protection. Contact information...

Personal bankruptcy vs business

Who signed the agreement to repay - the individual or the corporation? If it is the individual, writing the check to the corporation does not...

What can the courts take in a chapter 13 bankruptcy. is it better for a loan modification or bankruptcy

If your home is worth less than the first mortgage, you may be able to strip the lien in a Chapter 13 bankruptcy. If you seek loan modification,...

If 8 years has passed since you filed the Chapter 7 case, then you can file another Chapter 7 case. The stay will be 30 days if you file a second...