As of April 1, 2023, the median family income levels for Florida have INCREASED, which generally benefits individuals who are in need of debt relief, as it typically makes it easier to qualify for chapter 7 liquidation bankruptcy. Below you will find the median family income levels utilized by the United States Trustee Program forContinue reading “Chapter 7 Bankruptcy Means Test Median Family Income Levels By State as of April 1, 2023”
Tag Archives: debtor
Free Credit Reports Available Weekly Through April 2021 Due to Coronavirus
In response to COVID-19, and effective now through April, 2021, consumers are eligible to pull free credit reports weekly, rather than the normal limit of once per year. This will assist consumers in being able to more regularly monitor their credit to identify and discover possible affects on credit from things such as irregular paymentContinue reading “Free Credit Reports Available Weekly Through April 2021 Due to Coronavirus”
Conflict Alert: Prevailing consumer in account stated action may not be able to recover attorney’s fees and costs from a losing debt buyer
Does conflict make the world go ’round? No, according to The Stylistics (save a click: according to The Stylistics, people do). But conflict sure keeps things interesting, and it undoubtedly also keeps attorneys and their clients on their toes. In a recent decision,[note]Ham v. Portfolio Recovery Assocs., LLC, 2018 WL 6253294, ___ So. 3d ___Continue reading “Conflict Alert: Prevailing consumer in account stated action may not be able to recover attorney’s fees and costs from a losing debt buyer”
Short selling your home? Here’s a tip: start the process well in advance of a scheduled foreclosure sale
A September, 2018 opinion from Florida’s Third District Court of Appeals provides guidance on what is not a “lawful, cognizable basis” for cancelling, rescheduling, or continuing a judicial foreclosure sale date, in the absence of an agreement from the plaintiff (lender). In the case below, thirteen days before a foreclosure sale[note]This was the second foreclosureContinue reading “Short selling your home? Here’s a tip: start the process well in advance of a scheduled foreclosure sale”
Debt-buyer can be liable to prevailing consumer for attorney’s fees on account stated lawsuit filed over defaulted credit card
In a 2018 case, Florida’s Second District Court of Appeals has held that a consumer who successfully defended a lawsuit filed over a defaulted Amazon.com credit card debt may recover her attorney’s fees from the creditor who did the suing. After retaining an attorney and opposing the debt buyer’s allegations, the debt buyer chose toContinue reading “Debt-buyer can be liable to prevailing consumer for attorney’s fees on account stated lawsuit filed over defaulted credit card”
A corporation by any other name…
“A rose lender by any other a slightly different name would smell as sweet still be able to foreclose.” – Shakespeare 4th DCA (more or less) Florida’s 4th District Court of Appeals has held that the omission of the word “corporation” from a corporation’s name as it appears on various mortgage loan documents, did notContinue reading “A corporation by any other name…”