Questions answered by Adam S. Alexander

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I owe aprox $100,000 in credit card debt. have an lawyer and we are making offers to settle for less.

Adam's answer | Answered on February 05, 2015

I also believe you should hold off on cashing out your inheritance on credit card debt. However, I would advise you to sit down with a consumer...

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I lost my primary residence (michigan) to foreclosure. I know there are violations (RESPA and TILA) in my original mortgage.

Adam's answer | Answered on January 16, 2015

I would need a much more detailed summary of facts to provide you with some thoughts on this. I suggest you re-post your question again on AVVO,...

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Settle or wait to be served?

Adam's answer | Answered on January 11, 2015

I suggest you wait. You may not be pursued at all for this alleged "deficiency". Do you really "owe" that money? Does the lender or insurance...

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Do all Lenders have the availability to offer a Deed in Lieu of Foreclosure?

Adam's answer | Answered on January 11, 2015

Agree with the other answers here. Lenders have the "availability" to offer a deed in lieu. However, many lenders won't do it. There are many...

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Bought car 1 month made first payment dealer telling me bank want me to change my deductible I signed paper stating what I have

Adam's answer | Answered on December 06, 2014

You may have what we call a "spot delivery" there. However, I would need some additional facts to determine your legal rights. I suggest you...

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What happens if my husband and I are both on primary loan but the 2nd mortgage is only under his name and we are seperating.

Adam's answer | Answered on November 22, 2014

You are not on the hook for the 2nd mortgage, however if your husband defaults on it, they can foreclose. Accordingly, there is an incentive to...

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Once I pay off old bills on my credit report, how do I get the creditors to not just report it as "paid" but to remove it .

Adam's answer | Answered on November 22, 2014

I agree with the other answers. Yes, your creditors have a massive incentive to NOT delete. This is an industry-wide incentive to keep credit...

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How can I find a template for redemption period waive ?

Adam's answer | Answered on November 18, 2014

I would actually need some additional facts to respond. However it is possible that you can shorten the redemption period by mutual contract with...

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My home is in foreclosure, the bank issued a complaint against a separate adjoining parcel. Now they want me to sign a dismissal

Adam's answer | Answered on November 18, 2014

I suspect all the advice you will receive here is "consult an attorney". You have some potentially complex issues and you may be facing a...

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How do we find out if my husband has a judgement deficiency against him from a forclosure that took place over 5 years ago?

Adam's answer | Answered on November 06, 2014

I agree with Mr. Kinzer. The best way to find out would be to check with the Circuit Court where the property is located. You should also check...

Adam S. Alexander's Answers (834)

I owe aprox $100,000 in credit card debt. have an lawyer and we are making offers to settle for less.

I lost my primary residence (michigan) to foreclosure. I know there are violations (RESPA and TILA) in my original mortgage.

Settle or wait to be served?

Do all Lenders have the availability to offer a Deed in Lieu of Foreclosure?

Bought car 1 month made first payment dealer telling me bank want me to change my deductible I signed paper stating what I have

What happens if my husband and I are both on primary loan but the 2nd mortgage is only under his name and we are seperating.

Once I pay off old bills on my credit report, how do I get the creditors to not just report it as "paid" but to remove it .

How can I find a template for redemption period waive ?

My home is in foreclosure, the bank issued a complaint against a separate adjoining parcel. Now they want me to sign a dismissal

How do we find out if my husband has a judgement deficiency against him from a forclosure that took place over 5 years ago?