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Bankruptcy

Bankruptcy is the legal way for a business or person to get help when they can’t pay the money they owe. If problems arise because of the amount of debt, people can get a fresh financial start by filing for bankruptcy within the court system. Bankruptcy can stop foreclosure on…

Financial Matters

Debt & Creditors

Bill Collections and Harassment

When you are unable to pay your debts, it can become overwhelming. After a certain period of time of not receiving a payment on your debt, a creditor can decide to refer your account to a collection agency, sometimes known as a “third party.” A collection agency takes over the…

Financial Matters

Debt & Creditors

Budgeting Tips

Ever wonder where all your money goes each month? Creating a budget is one way to help find your extra dollars. A budget is simply a plan to spend and save your money each month. Setting goals and sticking to them is a great way to be able to make…

Financial Matters

Debt & Creditors

Credit Reporting

Credit is the ability to borrow money and repay it later. Credit allows you to get the things you need now, like a car or a house, based on your promise to pay over time. When people talk about having “good” or “bad” credit, they’re usually talking about their credit…

Financial Matters

Debt & Creditors

Consumer Rights A consumer is a person who purchases goods (such as groceries) or services (such as a hair cut), which may be sold by manufacturers, wholesalers, or retailers. Consumer law exists to protect people in everyday life. The laws are official rules and regulations to maintain an honest and…

Financial Matters

Debt & Creditors

Deficiency on a Loan or Mortgage

Automobile loans and home mortgages are the most common types of loans consumers get from lenders (banks/financial institutions). Once you get a loan, you now have what’s known as “collateral”, which is the home or the car you just bought. Collateral can also be property or another asset you offer…

Financial Matters

Debt & Creditors

Financial Matters

Debt & Creditors | Disaster Relief | Public Benefits | Starting a Business

Florida Lemon Law (Car Purchase Protection)

Buying a new car is a huge financial commitment and it should never have to feel like a gamble. Consumers reasonably expect a certain level of quality and reliability from a new vehicle, and the effects of purchasing something that immediately breaks down are far greater than simple buyer’s remorse.…

Financial Matters

Debt & Creditors

Landlords in Foreclosure

Your Landlord is Facing Foreclosure If the person who owns the home that you are renting does not make their mortgage loan payments, they may end up in foreclosure — a lawsuit where their lender attempts to have the court sell off the property to pay off the loan. This…

Family & Personal

Housing

Financial Matters

Debt & Creditors

Mortgage Forbearance & Homebuyers Education

Don’t miss the opportunity of becoming a HOMEOWNER. Is homeownership for me? How do I stick with a budget and maintain my credit scores? What is the role of a realtor and a home inspector? How do I qualify for a loan? What is a home sale “Closing?” Being well-informed…

Financial Matters

Debt & Creditors