Blogs

4 years 2 months ago

It should come as no surprise that many Americans carry significant debt, including student loans, mortgages, credit cards, and auto payments. Many people may find themselves spread thin, struggling to make payments for their financial obligations. This can lead to many considering how they can dig themselves out from under mounting debts. While bankruptcy may be an option, debtors should look for alternatives to bankruptcy before filing. There can be alternative options, and it’s crucial to conduct the necessary research. Taking immediate action with the assistance of either a financial advisor or a lawyer is imperative because failing to pay debts can not only be stressful but come with consequences when deadlines for payment are not met. Sometimes, despite best efforts, it may be necessary to consider bankruptcy as an option. We know that this is an incredibly stressful time, and there can be a lot weighing on your decision, which is why contacting our lawyer at Allmand Law Firm, PLLC for guidance is essential. 
 
Understanding Alternative Options to Bankruptcy
No person truly wants to file for bankruptcy, and before reaching this decision, exploring alternatives to bankruptcy will be imperative. There may be other ways to manage debt and preserve credit scores without the mark that a bankruptcy filing can put on your credit. Some alternative options to explore before filing for bankruptcy include:
 
Consider a Non-Profit Debt Counselor
While many debt settlement companies offer the allure of settling debts, it’s essential to know that these services can come at some expense. Instead, start by researching the options for a non-profit debt counselor. These agencies offer their services free of charge to help develop a budget, save for retirement, and more. Trained professionals will work with debtors to discuss their financial situation at length and establish a clear plan for managing debts. In some cases, a counselor may recommend that you sign up for a debt management plan, resulting from having too much debt that debtors are unable to pay. A debt management plan may be an opportunistic way of managing debts and resolving them in a more timely and manageable way. 
 
Negotiate with Credit Card Companies
Credit card debt is a common reason people file for bankruptcy. High-interest rates and making minimum payments can feel as though a person will never be able to pay off their debts. In some cases, obligations may be so extensive that a person will never resolve the debts they are contending with. However, if you default on payments, negotiating with credit card companies may be an option. While there are debt consolidation companies that can assist with negotiations, it may be possible to tackle negotiations on your own. Credit card companies may be willing to reduce interest rates or settle debts. After 180 days, your debt may be written off as a loss, but credit card companies may be ready to settle for much lower than your financial obligations. 
 
In some cases, some alternatives can help debtors dig themselves out from mounting debt. However, if a person has exhausted all options and consulted with a financial advisor, in some situations, bankruptcy may be the most appropriate way to move forward. 
 
Choosing Bankruptcy
Sometimes, debtors may manage their debts without resorting to bankruptcy, which is why exploring the options should be one of your top priorities. However, despite best efforts, bankruptcy may be the most appropriate option. Taking the time to review your debts and your specific situation is essential. Our experienced bankruptcy lawyers are prepared to provide straightforward, well-informed guidance for next steps that should be taken. 
 
The post Options for Managing Debts appeared first on Allmand Law Firm, PLLC.



4 years 2 months ago

It should come as no surprise that many Americans carry significant debt, including student loans, mortgages, credit cards, and auto payments. Many people may find themselves spread thin, struggling to make payments for their financial obligations. This can lead to many considering how they can dig themselves out from under mounting debts. While bankruptcy may be an option, debtors should look for alternatives to bankruptcy before filing. There can be alternative options, and it’s crucial to conduct the necessary research. Taking immediate action with the assistance of either a financial advisor or a lawyer is imperative because failing to pay debts can not only be stressful but come with consequences when deadlines for payment are not met. Sometimes, despite best efforts, it may be necessary to consider bankruptcy as an option. We know that this is an incredibly stressful time, and there can be a lot weighing on your decision, which is why contacting our lawyer at Allmand Law Firm, PLLC for guidance is essential. 
 
Understanding Alternative Options to Bankruptcy
No person truly wants to file for bankruptcy, and before reaching this decision, exploring alternatives to bankruptcy will be imperative. There may be other ways to manage debt and preserve credit scores without the mark that a bankruptcy filing can put on your credit. Some alternative options to explore before filing for bankruptcy include:
 
Consider a Non-Profit Debt Counselor
While many debt settlement companies offer the allure of settling debts, it’s essential to know that these services can come at some expense. Instead, start by researching the options for a non-profit debt counselor. These agencies offer their services free of charge to help develop a budget, save for retirement, and more. Trained professionals will work with debtors to discuss their financial situation at length and establish a clear plan for managing debts. In some cases, a counselor may recommend that you sign up for a debt management plan, resulting from having too much debt that debtors are unable to pay. A debt management plan may be an opportunistic way of managing debts and resolving them in a more timely and manageable way. 
 
Negotiate with Credit Card Companies
Credit card debt is a common reason people file for bankruptcy. High-interest rates and making minimum payments can feel as though a person will never be able to pay off their debts. In some cases, obligations may be so extensive that a person will never resolve the debts they are contending with. However, if you default on payments, negotiating with credit card companies may be an option. While there are debt consolidation companies that can assist with negotiations, it may be possible to tackle negotiations on your own. Credit card companies may be willing to reduce interest rates or settle debts. After 180 days, your debt may be written off as a loss, but credit card companies may be ready to settle for much lower than your financial obligations. 
 
In some cases, some alternatives can help debtors dig themselves out from mounting debt. However, if a person has exhausted all options and consulted with a financial advisor, in some situations, bankruptcy may be the most appropriate way to move forward. 
 
Choosing Bankruptcy
Sometimes, debtors may manage their debts without resorting to bankruptcy, which is why exploring the options should be one of your top priorities. However, despite best efforts, bankruptcy may be the most appropriate option. Taking the time to review your debts and your specific situation is essential. Our experienced bankruptcy lawyers are prepared to provide straightforward, well-informed guidance for next steps that should be taken. 
 
The post Options for Managing Debts appeared first on Allmand Law Firm, PLLC.



4 years 5 months ago

https://nypost.com/2020/09/21/almost-90-percent-of-nyc-bars-and-restaurants-couldnt-pay-august-rent/ Originally appeared on New York Post
Nearly 90 percent of New York City bar and restaurant owners couldn't pay their rent in August, heightening the continued crush the coronavirus shutdown has inflicted on Gotham’s economy.Patrons eat outdoors in NYC's Chinatown area.
Eighty-seven percent of bars, restaurants, nightclubs and event spaces in the five boroughs could not pay their full August rent, according to data from 457 businesses surveyed between Aug. 25 and Sept. 11, in a new study released Monday by the nonprofit NYC Hospitality Alliance.It’s a 7 percentage-point increase from June and a four-point jump from July, darkening the dire picture for eateries desperately seeking relief following six months of partial — and in some cases total — closure due to COVID-19 shutdowns.Some 34 percent of this group said they could not pay rent at all last month, and only 12.9 percent were able to meet full payments.“Restaurants, bars and nightlife venues have been financially devastated by the COVID-19 pandemic,” said alliance executive director Andrew Rigie.“Even before the pandemic when operating at 100 percent occupancy, these small businesses were struggling to stay open. Now we’re seeing widespread closures, approximately 150,000 industry workers are still out of their jobs, and the overwhelming majority of these remaining small businesses cannot afford to pay rent.“The hospitality industry is essential to New York’s economic and social fabric, and to ensure the survival of these vital small businesses and jobs, we urgently need rent relief, an indefinite extension of outdoor dining, a roadmap for expanded indoor dining, covered business interruption insurance and immediate passage of the Restaurants Act by Congress,” he added.When asked if landlords were waiving rent in relation to COVID-19 hardships, just 40 percent of businesses responded in the affirmative — 28.5 percent said less than 50 percent of their rental obligations were waived in August, 43 percent said 50 percent and 28.5 percent said they were given a break on more than 50 percent of their rental fees.Meanwhile, 90 percent reported they have been trying to negotiate their leases, but their landlords wouldn’t budge.The study also comes ahead of the long-awaited partial reopening of New York City’s indoor dining slated for Sept. 30 at 25 percent capacity.New York City will be the last region in the state — and also a month behind neighboring New Jersey — to get the green light for the practice, despite a majority of the Empire State’s 57 counties outside the five boroughs being approved for the practice since June.“I’m not really surprised because the industry is devastated by this pandemic,” said David Rosen, owner of several eateries including Williamsburg’s the Breakers. He is also co-founder of the Brooklyn Allied Bars and Restaurants and a member of the New York City Nightlife Advisory Board.“The analysis around why folks are not able to get firm relief from their landlord, or renegotiate around long-term lease agreements or changes, is interesting because the narrative for the past few months has generally trended in a positive direction,” said Rosen.“I can understand why landlords have been reticent to renegotiate because people have been under the impression that we would reopen or get back to normal,” he added, saying he, too, is in different stages of ongoing discussions with his landlords and doesn’t expect to fully reopen his venues until at least next spring.“What’s concerning about this report is I would assume given the past two months and with outdoor dining unfortunately will be peak revenue season during this pandemic for restaurants. As we head into the winter, even with indoor dining on the horizon, I don’t think that 25 percent indoor will exceed what exists already outside. This ‘inability to pay rent’ trend will continue, if not worsen,” he said.“We understand the difficulties facing restaurants, which is why we’re protecting commercial establishments from eviction, allowing bars to sell cocktails via take-out and delivery, and cutting red tape so restaurants can easily expand outdoor dining,” said Jack Sterne, a spokesman for Gov. Cuomo.
Guidelines will be reassessed by Nov. 1 and restaurants may be allowed to increase to 50 percent capacity depending on positive compliance and infection data, according to state officials.–– ADVERTISEMENT ––https://nypost.com/wp-content/uploads/sites/2/2020/09/nyc-dining-02.jpg?quality=90&strip=all


4 years 5 months ago

 https://nypost.com/2020/09/17/majority-of-covid-19-business-closures-are-permanent-report/Originally appeared on New York Post
Nearly 60 percent of businesses that closed nationwide during the COVID-19 pandemic are never reopening again, according to a report. People wearing mask walk past a going out of business sign in front of a retail store in Harlem. The vast majority of those businesses are restaurants and gift stores, according to Yelp’s Local Economic Impact Report, a monthly survey of business listings.As of Aug. 31, 163,735 businesses were listed as closed, with 97,966 of them permanent closures — a 23 percent increase from July 10, the report said.Within the retail sector, permanent closures of bars and nightclubs grew by 10 percent since July, while closures of beauty related shops grew by 23 percent over the same period. Fitness club closures grew by an alarming 23 percent.On Monday, the owner of New York Sports Clubs filed for bankruptcy protection, following on the heels of the May bankruptcy filing of Gold’s Gym.Meanwhile, some businesses have actually thrived during the pandemic, according to the report.Home improvement businesses, including contractors and plumbers as well as auto-related businesses like towing companies have been spared the brunt of the pandemic.“Even in the wake of increased closures we’re seeing businesses effectively transition to new operating models while keeping their employees and consumers safe,” the report stated.The five top cities for permanent closures were New York, Los Angeles, San Francisco, Chicago and Dallas. Pittsburgh, Philadelphia and Baltimore had among the fewest closures, according to the report.


4 years 5 months ago

https://www.marketwatch.com/story/as-yellow-taxi-drivers-struggle-city-announces-six-month-pause-on-new-licenses-2020-09-17
 Originally appeared on MarketWatchTaxi drivers struggling to make ends meet have demanded medallion debt forgiveness and limits on ride-share apps   Helicopters circled and horns blared in solidarity as a fleet of yellow cabs shut down traffic on the Brooklyn Bridge on Thursday, the latest effort by the city’s beleaguered taxi drivers to draw attention to their cause and demand debt relief for their high-price medallion loans. “Seventy percent of the drivers are not working. The taxi fleets have most of the taxis in storage,” said Sergio Cabrera, a longtime cabdriver and member of advocacy group Yellow Taxi United. “In 21 years of driving, I’ve never seen it like this.” With anger among taxi drivers hitting a breaking point, the Taxi and Limousine Commission (TLC) planned to announce a six-month pause on new licenses for for-hire vehicles, a move that could stem the tide of new competition, including from disrupters Lyft LYFT, +0.94%   and Uber UBER, +1.80%  . A formal announcement is expected on Friday. But the move does little to address drivers’ main demand for debt relief. The city’s yellow-cab drivers felt the full force of the blow when the coronavirus pandemic hit New York, with trips plummeting 84% from their pre-COVID levels by early April. And while there’s been a slow trickle of returning passengers over the past several months and new relief efforts by the city’s TLC, drivers say it’s still not nearly enough to sustain business as usual — or to pay back expensive medallion loans. With Manhattan still largely devoid of office workers and tourists, Cabrera said, drivers are turning to the outer boroughs for fares. “In the outer boroughs where the average people live, there is much more movement,” Cabrera said. “Manhattan is not busy, it’s not functioning the way it should be. I don’t know when it’s going to come back.” The strain on the city’s taxi drivers is compounded by years of tightening margins and spiraling debt, as competition from apps like Uber and Lyft has flooded city streets, and declining values of the high-price medallions required to operate have left many drivers hundreds of thousands of dollars in debt. In 2018, then-taxi commissioner Meera Joshi characterized a spate of driver suicides as "an epidemic" in the industry. “COVID is just the latest problem,” said Carolyn Protz, a driver and member of Yellow Taxi United as well as the NYC Taxi Medallion Owner Driver Association. “Our problems as medallion owners go back much longer.”Members of the New York Taxi Workers Alliance, a union representing both yellow cab and Uber/Lyft drivers, had staged Thursday’s slowdowns on the Brooklyn and Queensboro bridges to draw attention to demands for debt forgiveness for medallion owners. Representatives of alliance did not respond to multiple requests for comment. As with many issues facing small-business owners in the pandemic, city officials say that further support and bailout money should come from the federal government and financial institutions. rather than local government agencies already facing budget cuts and potential layoffs. “The city is obviously in a financial crisis. There’s not a current opportunity for a traditional bailout for medallion owners who are indebted to banks,” TLC Commissioner Aloysee Heredia Jarmoszuk told MarketWatch. “It would require federal action and some regulation for banks that may have taken advantage of medallion owners who find themselves with higher interest and untenable loans.” Last week, it was reported that Connecticut-based investment firm Marblegate Asset Management LLC has recently forgiven $70 million worth of medallion debt, and in some cases capped individual owners’ debts at a ceiling of $300,000. The average driver-owner carries $600,000 in $600,000 in medallion debt, according to the TWA, and over the past decade, medallion prices had been inflated from around $200,000 to as high as $1 million, an investigation from the New York Times found last year. Advocates say it’s a helpful step, but more aid is needed. “Even the amount that they’ve lowered the debt, it’s an undoable amount of money to make those payments on a monthly basis,” said Cabrera, the cabdriver and advocate. “Most of the banks have a forbearance going on medallion payments right now, so that has helped. But we need massive debt relief. We need the city to step in.” At the height of the pandemic, the TLC launched the Get Food NYC food delivery program, paying licensed taxi drivers to deliver meals to vulnerable New Yorkers. More than 20,000 drivers have participated in the delivery of over 100 million meals since March, according to city data, collectively earning close to $40 million, Jarmoszuk said. “We have a lot of problems, we cannot deny that,” Jarmoszuk added. “These things did not happen overnight. It could have been far worse, but we were able to put supports in place to lessen the blow. Solutions [will take time] but they will happen.” Still, drivers are concerned about their debt, and what the industry will look like on the other side of the current crisis. “My concern is for the future, after COVID,” Protz said. “Going forward, there need to be many less for-hire vehicles [on the road].”  “I’m in the Bronx by the [Bronx Terminal Market],” Cabrera said. “I’ll sit here until a call comes through or someone comes out of the mall. The days are long. The income is not where it needs to be to make any kind of payment on what I owe.”


4 years 5 months ago

five-star“Thank you so much for all your hard work” M.C.
Thank you so much for all your hard work on my case. I appreciate all your support and compassion through a very difficult process.
.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}
The post Diane Drain knows her stuff appeared first on Diane L. Drain - Phoenix Arizona Bankruptcy Attorney.


4 years 5 months ago

Financial writer Liz Weston (@LizWeston) writes that many people who could benefit from bankruptcy don’t file because of fear and misplaced optimism.  See Fear of Bankrutpcy Holds Too Many People Back.
This is the second time that Liz Weston has suggested that more people consider filing bankruptcy (Do Debt Management Plans Work?), and this is notable since she is something of a financial guru with a long track record of encouraging Americans need to create spending budgets and advising many to seek assistance through credit counseling.
But something has changed in her approach. Maybe she is just seeing the futility of trying to dig out of debt when wages are stagnant, health insurance is non-existent or insufficient to cover ongoing medical bills, and it just seems like wasted effort to pay debts when new ones just spring up overnight.

About 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.

THE FEAR FACTOR:
So what is holding Americans back from filing more cases? In a word, fear. Fear of living with bad credit. Fear of the judgment of future employers. But Weston says much of this fear is misplaced.

A bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.
People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.

Yes, credit scores begin to recover as soon as the case is filed. Why is that?
There are two reasons bankruptcy enables the healing of credit scores.  First, once a case is filed all negative reporting stops. Creditors no longer report late payments, collection accounts, judgments, and other negative information.
Second, filing bankruptcy improves the single biggest factor in your credit score–the Debt-to-Income Ratio.  About one-third of your credit score is based on how much debt you owe compared to how much income you earn.  The higher that ratio the lower your credit score. Filing bankruptcy eliminates the debt, so the debt-to-income ration is immediately improved.
UNREALISTIC OPTIMISM:
Weston claims that too many people have an irrational belief that things will get better.

Misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning.

What Weston calls “misplaced optimism” is what I call Around-The-Corner Thinking.  “As soon as I get this debt paid then I can start saving money.”  The problem is, once you pay off that debt or solve that problem, a new set of problems pop up.  So you adjust your plan and will start saving money after that problem is solved, but before you know it yet another problem arises.
The problem with around-the-corner thinking is that it fails to recognize that new problems ALWAYS continue to arise.  That’s actually the norm.  The concept that we can start to achieve financial goals AFTER today’s problems are solved is delusional.  Today’s financial woes never end.  Employers continue to lay off workers. Health insurance companies continues to not pay claims. Recessions continue to occur.
So instead of delaying making contributions to that retirement plan, instead of delaying saving for the house down payment, instead of delaying college until after the credit card debt is paid, start doing that today and consider filing bankruptcy to solve a debt problem that is not going away. Stop being overly optimistic and face the music of you debt problem. It’s not going away.
Am I taking Liz Weston’s advice too far? Gosh, this sounds so bleak!  Well, by all means, we should find ways to pay back debt if possible.  But do you really have a Plan to get out of debt, or is it just unrealistic optimism?
It’s time to stop fearing the debt problem and time to start addressing it realistically.


4 years 5 months ago

Did you know that it’s possible to file bankruptcy more than once? For former debtors, a bankruptcy petition paves the way for a fresh start and a bright financial future. However, an unexpected turn of events such as sudden illness in the family, loss of income, or closure of business can spark another round of financial burden. 
The good news is that even if you have a prior bankruptcy record, you may still submit a new petition after you fulfill the time requirement specified under the bankruptcy code.
The sections below will help you determine if declaring bankruptcy the second time is the best option given your unique situation. You’ll also find valuable insights as to which types of bankruptcy you can consider depending on the former chapter you filed.
The bankruptcy act stipulated a set number of years that must pass between bankruptcy filings geared towards abuse prevention. Essentially, once you receive your discharge notice from the court, your “bankruptcy” clock is reset and you won’t be eligible for another bankruptcy court discharge until you get past the time gap. 
Time Requirements Before Another Bankruptcy Discharge
How long you’ll have to wait before your loan debt becomes discharged under a second bankruptcy filing will depend on the filings in your credit history, filed chapter, and bankruptcy case outcomes (discharge or dismissal).can you file bankruptcy
For instance, if you have filed for bankruptcy under Chapter 7 in the past, you’ll wait for a fewer number of years than if you’re refiling a Chapter 13 petition in bankruptcy. However, the opposite is true for Chapter 13 filers: the waiting time is shorter if they file a bankruptcy petition under Chapter 13 instead of Chapter 7. 
To avoid complications during a refiling, it’s best to contact a bankruptcy law firm in your area who can advise you on when and how you should begin your second bankruptcy application. 
The main rule is that these time limits apply only to debt discharges and not to your bankruptcy filing per se. To understand this, consider the situations below:
Scenario #1: An individual struggling with debt file for bankruptcy but the case gets dismissed because there was an improvement in his financial problems. 
Scenario #2: A filer received a case dismissal after filing bankruptcy under Chapter 7 and then failing to abide by bankruptcy laws and procedures such as attendance in the meeting of creditors, payment of filing fees, or incomplete paperwork.
Which of the two scenarios would allow you to refile bankruptcy? Although the latter is a negative dismissal, the truth is, both scenarios allow you to file yet again, and since there was no discharge, the time limit does not apply. However, an exemption applies to individuals falling under the second scenario, who must wait 180 days before starting the second bankruptcy process.
If you successfully pay all your unsecured debts, pay back to lenders what you owe, or faithfully abide by your repayment plan, you may be able to qualify for other exemptions from the time requirement. Talk to an experienced bankruptcy lawyer to know if you’re eligible.
Reapplications for Bankruptcy
The biggest hurdle that prevents people from filing for bankruptcy again is the belief that they are ineligible for various reasons as simple as a notation on their credit report. What they don’t know is that they’re missing out on an opportunity to wipe dischargeable debts such as medical bills and credit card debt. 
If you are overwhelmed by such debt problems, reach out to a Northwest Debt Relief Law Firm bankruptcy attorney who can clear these matters for you. If you’re worried about how this affects credit-reporting, your lawyer can inform you on how you can rebuild your credit after bankruptcy.
Another possible roadblock in refiling is the lack of knowledge on bankruptcy options that a debtor can take. If you’ve chosen to declare personal bankruptcy before, you can still consider the same path or explore other chapters of bankruptcy with the help of our law firm. Our bankruptcy attorneys will help protect your assets and properties, discharge your nonexempt loans, or repay your creditor under a new agreement. 
Find a reliable partner in debt management. Contact our office for a free consultation today.
.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:850px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}
The post Can You File Another Bankruptcy After a Court Discharge? appeared first on Vancouver Bankruptcy Attorney | Northwest Debt Relief Law Firm.


4 years 5 months ago

Consumer Finance Protection Bureau Announces They Don’t Chase Underground Debt Collectors “We are unable to send your complaint to the company for a response.” That’s what the Consumer Finance Protection Bureau told Chuck Sterling. “The company is not in our complaint system.” Chuck, a former client, received an email today, threatening to “take him into […]
The post Consumer Finance Protection Bureau Won’t Chase Underground Debt Collectors by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.


4 years 2 months ago

Consumer Finance Protection Bureau Announces They Don’t Chase Underground Debt Collectors “We are unable to send your complaint to the company for a response.” That’s what the Consumer Finance Protection Bureau told Chuck Sterling. “The company is not in our complaint system.” Chuck, a former client, received an email today, threatening to “take him into […]
The post Consumer Finance Protection Bureau Won’t Chase Underground Debt Collectors by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.


Pages