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Recent Posts in Debt Defense Category

  • How Is My Credit Score Determined?

    || 2-Apr-2018

    Your credit score is essentially a reflection of your ability to pay back the money you borrow. The better your score is, the easier it will be to take out a mortgage, car loan, lease, credit card or other forms of credit from lenders like banks and stores. Information about your our credit score is contained in your credit report, which is used by lenders to decide whether your request to borrow ...
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  • What You Need to Know About Chapter 11 Bankruptcy

    || 15-Mar-2018

    Chapter 11 bankruptcy is sometimes referred to as a “reorganization bankruptcy.” This type of bankruptcy is available for corporations, partnerships, and sole proprietorships. Individuals can also file for Chapter 11 if they have too much debt to be eligible for a Chapter 7 bankruptcy. Before you decide to file for Chapter 11 bankruptcy, you should consult with a bankruptcy attorney to ...
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  • Alternatives to Bankruptcy: Debt Consolidation

    || 14-Jun-2017

    If you are facing aggressive creditors and mounting debt but wish to avoid bankruptcy, you may be able to seek an alternative solution. In some situations, combining debt can make repayment more manageable, and could help you settle your financial issues more quickly and efficiently. Whether you owe money for unpaid medical bills, credit card debt, private student loans, or personal loans, debt ...
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  • Democrat Senator Elizabeth Warren has become the latest voice in a growing number of advocates calling for reform of the debt collection industry, reprimanding the US Department of Education for sending debt collectors to pursue money from 80,000 students who were defrauded by a for-profit school. In a letter to US Education Secretary John B. King Jr., Senator Warren recently called out the ...
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  • How Much Household Debt is There in America?

    || 2-Sep-2016

    According to recent studies, the average household in America has more than $130,000 in debt. The national household debt overall rose to $12.29 trillion in the second quarter of 2016’s fiscal year, so it feels like everyone is in a bit of a financial quagmire right now. But where is all this debt coming from? And who is on the other side of the debt waiting for the eventual repayment, or ...
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  • An Examination of Debt & the American Middle Class

    || 9-Jun-2016

    Does it seem that no matter how hard you work, keeping up with your expenses still continues to be a struggle? Are you a middle-class American who is living paycheck to paycheck? If so, you are certainly not alone. Middle-class lifestyle in America has become increasingly more difficult to maintain over time, as inflation and declining economic conditions have caused many Americans to fall onto ...
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  • Dischargeable and Non-Dischargeable Debts During Bankruptcy

    || 20-May-2016

    Bankruptcy is for the honest but unfortunate individual, often says Judge Paul Glenn of the Middle District of Florida. And for those that qualify for bankruptcy protection, it is all about finding ways to start their financial life over again, leaving creditors, wage garnishments, and more behind them. There is no bankruptcy law, however, that guarantees how much of your debt will be eliminated, ...
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  • Jacksonville and Florida Foreclosure Rates See Improvement

    || 6-Apr-2016

    Sometimes everything in the news can seem pretty negative. It is good to get some good news once in a while, and even better when it comes from your own communities. Here in Jacksonville, and all across Florida, actually, foreclosure rates are declining and remaining low, according to recent reports. In January of 2015, foreclosure rates for Jacksonville was 1.71% and in 2016 an even lower 1.65%. ...
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  • Deficiency Lawsuits and Judgments

    || 22-Feb-2015

    Around 2007 when the real estate market bubble in Northeastern Florida burst, many homeowners saw the value of their homes cut in half. To make matters worse, struggling businesses in St. Augustine and Jacksonville were conducting lay-offs or closing their doors altogether. Many families on Florida’s First Coast struggled to continue making their mortgage payments, and large numbers failed. ...
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