If you’re reading this, you’re likely feeling overwhelmed, frustrated, and perhaps even scared. You took the brave step of seeking help to avoid foreclosure, only to be met with a denial. First and foremost, know that you’re not alone. Many homeowners face this situation, and while it may feel like the end of the road,...
As credit card balances and delinquencies continue to rise, with the average credit card interest rate well above 20%, many Americans are finding themselves increasingly burdened by debt. In this precarious financial situation, people often look for solutions and ways out of the hole. Debt settlement companies heavily advertise their services as an appealing alternative...
In the wake of the devastating 2008 financial crisis, Congress recognized the need for a dedicated federal agency to protect consumers in the financial marketplace. Out of this realization, the Consumer Financial Protection Bureau (CFPB) was born with the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010. However, the CFPB’s...
Are you a homeowner who thought your second mortgage from 10 or 15 years ago was long forgiven or canceled? Have you recently started receiving collection calls or foreclosure threats related to this “zombie debt” that you assumed was dead and buried? If so, you are not alone. Thousands of Americans are now facing the...
In today’s economic climate, many people find themselves struggling with overwhelming debt. Whether it’s due to unexpected medical expenses, job loss, or other financial hardships, the burden of debt can be crushing. When faced with relentless collection companies and seemingly endless payments, it’s easy to feel hopeless and trapped. However, there is a solution that...
The Great Recession of 2008 left countless homeowners struggling to keep their homes. As the economy crumbled and job losses mounted, many found themselves unable to make their monthly mortgage payments. Foreclosures skyrocketed, and the American Dream of homeownership turned into a nightmare for millions. In response to this crisis, the government introduced the Home...
In today’s digital age, it’s not uncommon for companies to send bills and payment reminders via email. While this method of communication is convenient for both businesses and consumers, some companies have taken it too far by sending these emails at all hours of the night. This practice not only disrupts people’s sleep and personal...
FOR IMMEDIATE RELEASE Consumer Financial Protection Bureau and Federal Trade Commission Support Plaintiffs in Landmark Case Against Ocwen Loan Servicing, LLC Clearwater, FL (May 10, 2024) – In a move that could have far-reaching implications for the mortgage servicing industry, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) have filed an...
Defaulting on a mortgage loan is a situation that no homeowner wants to find themselves in. It can be a stressful and overwhelming experience, filled with uncertainty about the future. When you fall behind on your mortgage payments, it’s natural to worry about losing your home and wonder what your options are. Let’s explore what...
Getting into a car accident is a stressful and often traumatic experience, especially when it’s caused by someone else’s negligence. If you’ve been injured in an auto accident that wasn’t your fault, you may be wondering if you really need to hire a lawyer or if you can just handle the insurance claim process on...
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