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Can Debt Collectors Demand Payment from Third Parties?

We know from a previous article that debt collectors are governed by strict guidelines; some of which restrict their contact with third parties in regards to your debt. Yet it is obvious that the reality of the matter has collectors breaking a lot of the rules a lot of the time. In fact, in many […]

Addressing the Consequences of Fraud with Bankruptcy

The majority of card fraud occurs in the United States. In fact, research conducted by Barclays indicates that 47% of worldwide card fraud occurs in the U.S. even though we only claim 24% of the worldwide card volume. In 2014, 31.8 million U.S. consumers had their credit cards breached. That is three times the number […]

Chapter 13: Involved with Credit Unions for Home Loans

Working with credit unions when you are in good standing is great, however it is very difficult when you are behind on your loan payments.  They take it personally when a customer defaults on a payment agreement or the debt becomes discharged during a bankruptcy.  They have lost money when you stopped paying and often […]

“Working a Deal” with your Mortgage Lender Post-Bankruptcy

In some situations, a mortgage lender will get in touch with a homeowner years after they filed for Chapter 13 bankruptcy suggesting that they “work a deal.” Is it possible to work a deal with your mortgage lender post-bankruptcy? The quick answer is yes! It sounds like an appropriate time to apply for a loan […]

Who Can Collect on My Home Loans Post-Bankruptcy?

After filing for Chapter 7 bankruptcy, you receive a discharge of debt. Many who do so, continue to pay their mortgage payments (and second mortgage payments) even though they did not reaffirm the debt during their bankruptcy. This means that they did not agree to continue paying according to the terms of the original loan. […]