New FHFA Rules May Help With Modification of Mortgages through Chapter 13 in Jacksonville, FL

  Recently an article came out about loan buyers and some new requirements for attempting to modify delinquent mortgage loans prior to foreclosure. The article, found here: http://www.wsj.com/articles/fannie-freddie-regulator-puts-new-rules-on-delinquent-loan-sales-1425318221   summarized the new Fannie Mae and Freddie Mac sale rules for delinquent mortgages. It appears that Fannie Mae and Freddie Mac are preparing to auction a […]

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Landlord-Tenant Law: Commercial Eviction and Chapter 11

A commercial tenant facing eviction may find relief under Chapter 11 of the Bankruptcy Code, particularly if the tenant fell behind on payments as the result of a temporary decline in income. While a Chapter 11 debtor cannot compel its landlord to reduce the monthly rent or eliminate past due rent, the filing of a […]

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Gay Marriage and Bankruptcy Filing in 2015

  GAY MARRIAGE AND FILING BANKRUPTCY IN 2015 It was recently a banner day at the Law Offices of Mickler & Mickler. We just received our first discharge in a case filed by a married gay couple. When the case was filed as a Chapter 7 in September of 2014, gay marriage was not legal […]

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2015 Bankruptcy Filings Predictions

BANKRUPTCY PREDICTIONS FOR 2015             In my 2014 Blog on the state of bankruptcy filings, I discussed the causes of bankruptcy filings and how it was related to the availability and amount of consumer credit. That article is here: https://www.planlaw.com/bankruptcy-predictions-2014-beyond/             Now with 2015 upon us, how is the model of cause and effect playing […]

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Medical Bills and Bankruptcy: How to save your wages from garnishment

MEDICAL BILLS AND BANKRUPTCY: HOW TO SAVE YOUR WAGES FROM GARNISHMENT             A recent broadcast and article regarding medical bills from non-profit hospitals caught my attention. http://www.propublica.org/article/how-nonprofit-hospitals-are-seizing-patients-wages             The above link will take you to the story regarding non-profit hospitals suing low-wage workers for past due medical bills. The suits resulted in judgments against the […]

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REVERSE MORTGAGES AND CHAPTER 13: CAN I SAVE MY INHERITED PROPERTY?

  REVERSE MORTGAGES AND CHAPTER 13 BANKRUPTCY: HOW TO SAVE YOUR INHERITED HOME             By now, everyone has seen the flood of reverse mortgage advertisements which have appeared on television. Celebrity spokespersons invite you to put a reverse mortgage on your home to pay off your existing mortgage and never make a mortgage payment again […]

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Credit Unions and Bankruptcy

BANKRUPTCY AND CREDIT UNIONS             Over the many years of filing every Chapter of bankruptcy for people, one thing has remained constant – people really like their credit union accounts. I have clients come in who have been with Vystar or Navy Federal for years and don’t want to include such debts in any bankruptcy […]

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Bankruptcy Saving Lives!!!

  BANKRUPTCY SAVING LIVES!! A new study finds that bankruptcy filers make more money and live longer than those who were denied such protection, Fortune Magazine reported today. In a working paper released Monday by the National Bureau of Economic Research, economists Will Dobbie and Jae Song examine 500,000 bankruptcy filings in the U.S. to […]

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FDCPA Violations for Proofs of Claims in Chapter 13 Cases

FDCPA Claims in Chapter 13 for Stale Proof of Claims I have previously written about the potential for FDCPA claims after filing for bankruptcy and having a debt collector contact you regarding a debt that was discharged in the bankruptcy filing. https://www.planlaw.com/bankruptcy-and-the-fair-debt-collection-practices-act-understanding-your-consumer-rights/ Essentially, the attempt to collect a debt that had been discharged in a […]

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Modification of Mortgages through Chapter 7 in Jacksonville, FL – What’s Not to like?

    Modification of Mortgages through Chapter 7 in Jacksonville, FL – What’s Not to like? I have previously written about the mortgage modification program in Chapter 13 that was been available in the Jacksonville Division of the Bankruptcy Court for the past two years. https://www.planlaw.com/modification-of-mortgages-in-chapter-13-in-jacksonville-fl/ The program has been a great success for many […]

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