By Jeff Field | Published May 31, 2014 | | |
Going through a foreclosure can be a very trying time for anyone involved. To make matters worse, most homeowners do not know what happens to their liabilities after a foreclosure takes place. Do you still owe the mortgage company? Do you owe property taxes? What about my homeowner’s association (HOA) dues? This blog will address Read MoreRead More
The government has established a number of programs to help distressed homeowners who are late on their payments, who are underwater on their mortgage, who are unemployed or who need assistance to refinance their home. The government describes these programs in detail at the website www.makinghomeaffordable.gov. All of these programs seek to help homeowners dealing Read MoreRead More
Bankruptcy is a creature of federal law and is found in Article I, Section 8 of the U.S. Constitution which states that Congress shall have the power to “establish a uniform rule of naturalization, and uniform laws on the subject of bankruptcies throughout the United States.” Thus, the ability to seek bankruptcy protection is a Read MoreRead More
Throughout our lives we will be faced with the opportunity to help out family and friends in need of financial assistance. A common way for people to achieve this is through co-signing on a loan. When you co-sign with someone else you make yourself equally liable for the debt with the co-borrower. If everything Read MoreRead More
Congratulations! You’re probably wondering why anyone would be congratulating you for filing for bankruptcy. You’ve done yourself a favor by taking the first step in rebuilding your financial life, while at the same time freeing yourself of the stress of managing debt. As you know, Chapter 13 is a payment-based bankruptcy that can take three to five years Read MoreRead More
The three most common types of bankruptcy — Chapter 7, Chapter 13 and Chapter 11 — account for nearly all business and personal bankruptcy filings in Georgia and the rest of the United States. There are also several other types of bankruptcy available under the U.S. Bankruptcy Code that are less commonly used, but they Read MoreRead More
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