Archived
In Florida, after the Claim of Lien letter's 45 days pass, what's the earliest that a foreclosure (auction?) would take place?
Michael's answer
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Answered on October 17, 2013
In addition to the advice you received, I would try contacting the HOA. They want money so they may negotiate with you to decide on a specific...
Archived
What is my best option? lieu of foreclosure / bankruptcy other!
Michael's answer
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Answered on October 17, 2013
Did they say why they denied the short sale? Sometimes they don't like the selling price and sometimes it's just the documentation. I would try...
Archived
How many years after not paying on unsecured loans can they garnish you
Michael's answer
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Answered on October 17, 2013
You have many years to go especially when creditors are allowed to renew the judgments. First, you need to see what the agreements say. Those...
Archived
Can I get a security clearance with debt? Can I do bankruptcy or debt consolidation?
Michael's answer
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Answered on October 17, 2013
Consolidation usually does not work because even if most of your creditors go along with it, if one says no, that creditor ends up taking all your...
Archived
Bankruptcy???
Michael's answer
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Answered on October 17, 2013
The critical question is how long it would take for you to pay the bills on your own. If it looks like you could pay it in 5 years or so, you might...
Archived
I am being charged $100.00 for a returned check that was only submitted to my bank once. what should I do
Michael's answer
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Answered on October 11, 2013
Your best option usually is to complain to the bank. Their willingness to keep you as a customer is usually a stronger argument than invoking the...
Archived
I filed an answer to a lawsuit on unknown credit card debt, and received a motion for a mandatory settlement conference on 10/28
Michael's answer
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Answered on October 11, 2013
When you file an Answer, procedure is usually that no further pleading is filed unless you made some affirmative defenses (countersuit...
Archived
Received a notice for Plaintiff's Motion for Summary Judgment. Is it best to call the attorney ahead of this court date & settle
Michael's answer
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Answered on October 11, 2013
You can always ask for time to respond to the motion if you think you can win on the motion. Their documentation may be faulty or at least you may...
Archived
What happens to Mortgage when discharged in BK?
Michael's answer
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Answered on October 11, 2013
The lien release is usually part of the closing process where the previous mortgage is released in exchange for being paid off. The mortgage...
Archived
Can you fight Department Of Labor late charges fees?
Michael's answer
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Answered on October 08, 2013
I'm not well versed in labor law, but if there's a mistake, there's always a procedure for disputing it. And, if they are at all like the IRS, they...
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