The Consumer Financial Protection Bureau (CFPB) released its monthly consumer complaints snapshot. The report spotlights credit reporting complaints. According to the report, the majority of the credit reporting complaints were about problems with incorrect information on the reports.

Here at Shenwick & Associates, many of our bankruptcy clients (especially younger ones) have outstanding student loans. Although the Bankruptcy Code doesn't contain an express prohibition against discharging student loans in bankruptcy, the bar to doing so is very high. Most (but not all, as we'll discuss below) appellate courts, follow the standard laid out in Brunner v. New York State Higher Education Services Corp.

Today’s Delavan real estate buyers are savvier than ever. This is mainly because Millennials are now of home buying age and they are the most internet friendly generation that home buyers have ever encountered. Millennials have grown up with access to infinite information at their fingertips via the internet. They search and review everything online before taking the next steps in the purchasing decision process. They love videos, photographs, and social sharing.

Some time ago you filed a bankruptcy and received a discharge.  You owned a home at the time your bankruptcy was filed and have continued paying on the mortgage.  Now you are trying to a refinance of your mortgage but are told that “because you did not reaffirm your mortgage during the bankruptcy your credit report does not show any payments”.   There are two issues going on here.

In this excerpt from Legal Action, Attorney David M. Siegel talks about the creation of the automatic stay in bankruptcy.  Some debts are eliminated whereas others are not.  It all depends upon the type of debt and the type of bankruptcy. Interviewer: What happens if I’ve got a garnishment or a threat of garnishment or+ Read More

We have all heard, and perhaps felt, there is a foreclosure crisis.  We hear the stories about banks misusing their power to misdirect homeowners into default or fail to assist them even if required by the federal government.  What we don’t hear about are the abandoned pets left to fend for themselves after their owners hav