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  • Mortgage Hardship after Disaster

    When homeowners struggle to make their mortgage payments, there are options to consider.  Fortunately, most mortgage loans (three out of five) made in the United States are government-sponsored or government-insured, and, as a result, the rules governing how homeowners with these mortgages will be treated after disasters or set-backs are…

    Financial Matters

    Debt & Creditors | Disaster Relief

  • Paycheck Garnishment

    In Florida, creditors (people or companies that you owe) are permitted to take, seize, or “garnish” your wages to pay debts that you owe. If a creditor sues you and wins to recover the remainder of your debt, they will obtain a “Final Judgment” against you. It is important to…

    Financial Matters

    Debt & Creditors

  • Prevent Home Foreclosure

    Foreclosure occurs when the homeowner is unable to make mortgage loan payments as required. If you miss payments, your lender may be able to legally take back the property through a legal process known as foreclosure. 

    Family & Personal

    Housing

    Financial Matters

    Debt & Creditors

  • Problems with a Legal Contract

    A contract is a legal agreement between parties to exchange goods, services, or money, and is only valid when both sides agree to its terms. If there is disagreement, a contract dispute may arise. This topic page can be helpful if you have a contract dispute issue.

    Financial Matters

    Debt & Creditors

  • Repossession

    If you fall behind on your car loan payments, your lender can take back your car. This is called “repossession”. A “lender” is the person or company that you agreed to pay on a regular basis when they financed the purchase of your car. When you fall so far behind…

    Financial Matters

    Debt & Creditors

  • Student Loans

    If you apply for financial aid in order to pay for your higher education costs, you may be offered loans as part of your school’s financial aid offer. A loan is money you borrow and must pay back with interest.    If you decide to take out a loan, make sure…

    Financial Matters

    Debt & Creditors

  • Take Back Your Property Through Replevin

    Replevin is the legal action you can use to get your personal property back when someone has wrongfully taken it and refuses to give it back. If this happens, you may also recover financial losses as a result of the wrongful taking of property or because you were unable to…

    Financial Matters

    Debt & Creditors

  • Unfair Lending Practices (Predatory Loans)

    Predatory lending occurs when a company extends credit to a person without considering whether or not the person will be able to repay the loan. This topic page provides information on common schemes, your rights, and mindful consumer practices. 

    Financial Matters

    Debt & Creditors

  • When a Debt Collector Sues You

    If you are sued over a debt, you have rights in the debt collection process and can defend your case. This page provides information on the steps you take, dependent upon what court you are being sued in, in debt collection lawsuits.

    Financial Matters

    Debt & Creditors