Chapter 13 bankruptcy is frequently filed to save a home from foreclosure by paying back the mortgage loan arrearage over time. Do you have to pay nterest on the mortgage arrearage claim to cure the default? The arrearage claim includes all the past due payments on the principal and interest due under the mortgage loan. [...]
October 2007
If you reside in one of the counties listed below, you must file your bankruptcy case in the Southern District of Texas, Houston Division,
In a letter opinion dated October 5, 2007, the Federal Trade Commission decided that a debt collector could communicate the cessation of collection activity so long as it was not attempting to collect a debt in doing so, and so long as it did not violate any other Fair Debt Collection Practices Act provision. ACA [...]
A “Means Test” is required of all over-the-median-income debtors since the passage of BAPCPA two years ago. In the means test, debtors start with their average income from the previous 6 months and then subtract not their actual expenses, but the expenses allowed by the “IRS Standards”, set by the Internal Revenue Service. On October [...]
In Part 2, the debtor discovered that he was wrong when he thought that the judge’s order in his Bankruptcy case was a valid, final order discharging his student loan. So, in due time, an amended complaint was filed alleging that the student load agency and their collection company should be estopped from collecting the [...]
As a Bankruptcy attorney in Southwest Florida, I meet with people daily who are interested in the Bankruptcy process and how bankruptcy can help them. I enjoy giving them information on how Bankruptcy can change their lives. Unfortunately, there is quite a bit of bad information out there about what is really going on in [...]
