Regulation Z, also known as the Truth in Lending Act (TILA), is a federal law that requires lenders to disclose certain information to consumers before they enter into a credit agreement. The purpose of Regulation Z is to provide consumers with clear and accurate information about the terms of their credit agreements, so that they...Read More

Regulation X is a federal law that is designed to protect consumers from unfair and abusive practices in the mortgage servicing industry. It was enacted in 2013 by the Consumer Financial Protection Bureau (CFPB), in response to widespread abuses in the wake of the 2008 financial crisis. The main purpose of Regulation X is to...Read More

PITFALLS OF THE WALKAWAY- DON’T LET A BANK CONTROL YOUR FUTURE Zombie mortgages are a little-known phenomenon in the world of real estate that can have serious consequences for homeowners. These mortgages, also known as “zombie foreclosures,” occur when a homeowner defaults on their mortgage and the lender initiates foreclosure proceedings, but then the foreclosure...Read More

STUDENT LOAN DEBT HOW TO GET YOURSELF AHEAD OF A HUGE PROBLEM In recent years, the issue of student loan debt has been a major concern for many people in the United States. According to recent data, the total student loan debt in the US has surpassed $1.7 trillion, with the average borrower owing over...Read More

As the cost of higher education continues to rise, student loans have become a fact of life for many people. However, paying back those loans can be a source of stress and uncertainty, especially for those who are just starting their careers. Fortunately, there are a variety of student loan payment plans available to help...Read More

If you are past due on your bills and creditors are harassing you night and day, filing for bankruptcy is a good option to consider. Selecting the “right” bankruptcy attorney for your case One of the most important decisions you can make in filing a Chapter 7 or Chapter 13 case is selecting the “right”...Read More

Before Filing Bankruptcy: Weigh All of Your Debt Relief Options Before you jump into a personal filing, it is important to carefully weigh all of your debt relief options. There are pros and cons to filing a bankruptcy and you must understand both the good and the bad consequences of your decision to file a...Read More

A garnishment is a powerful collection tool used by many creditors to collect on a judgment for money owed to them. Two Types of Garnishment The two types of garnishments are account garnishments and wage garnishments. The creditor directs your bank or employer to pay money that is owed to you, directly to the creditor...Read More

If you are struggling financially and living paycheck to paycheck, it is time to consider your debt relief options. Filing a Chapter 7 or Chapter 13 bankruptcy can be the first step to taking control of your debt and getting your financial life back on track. The first step in making this decision is to...Read More

Personal Bankruptcy – Brevard County If you have lawsuits filed against you, it may be time to consider filing a personal bankruptcy case. A personal bankruptcy case can be an effective way to eliminate certain collection lawsuits. However, it is important to understand that not all types of litigation are halted or eliminated in a...Read More