consumer bankruptcy attorney

Register Today for NACBA’s August Webinar!

 

NACBA invites you to join  Tara Twomey as she presents, “Reverse Mortgages & Bankruptcy,” Webinar on Thursday, August 10th from 12-1 pm ET. The senior population of the United States is expected to grow rapidly over the next twenty years. Rather than enjoying their golden years, increasingly older Americans are struggling with less income, greater debt and insufficient retirement savings. The average amount of debt held by seniors has soared over the last decade. Many now rely on credit cards to cover their basic living expenses. Rising mortgage debt has compromised the use of home equity as a retirement nest egg. There are few easy solutions.

Two tools available to seniors to combat financial distress are reverse mortgages and bankruptcy. Reverse mortgages allow seniors to tap their home equity to pay off outstanding debts or supplement monthly income. Bankruptcy provides an opportunity to obtain a fresh start by discharging certain debts or adjusting one’s financial affairs. The two options—reverse mortgages and bankruptcy—are not mutually exclusive. This webinar will review the intersection between these two tools and when they can work together to prevent foreclosure or put a senior on more solid financial footing.

Don’t miss this relevant and timely webinar. Register today!

Cost: $25 NACBA Member / $75 Non Member
Register HERE

Bankruptcy News Briefs 6/30

Headlines Leading Into the Weekend…

Maine Enacts New Requirements for Debt Buyers

U.S. House Subcommittee Funding Bill Includes Switch to Congressional Appropriations for CFPB

Chapter 13 Debtor Not Entitled to Discharge Where She Failed to Pay Mortgage Payments “Outside the Plan”

District Court Affirmed Bad Faith Dismissal of Chapter 7 Petition Where Debtors had $800,000 in Assets and only $40,000 in Debt

Debt Collection: Navient Responds

Debt Collector’s Fraud Hits California, Nevada & Washington CUs

The Alarm Over Consumer Debt Is Overblown

These 3 charts explain the economic side effects of the student loan crisis

Consumer Reports: medical bankruptcies and the ACA Health Care Bankruptcies

Why millions of consumers’ credit scores will suddenly improve this weekend

Not a Good Look for Connecticut Higher Ed

This Week In Securities Litigation

Register for July’s Webinar!

Is there Life After HAMP? Now what?
The End of HAMP: Understanding Proprietary Modifications
Date: Thursday, July 20, 2017, 3:00 PM Eastern to 4:00 PM Eastern
Presented by: O. Max Gardner III, Roberto (Bobby) Rivera
Cost: $25 NACBA Member / $75 Non Member
Register HERE

Renew Your Membership  For a Chance to Win This Great Resource!

Only two more days to renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out theRequirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

Bankruptcy News Briefs 6/29

In Thursday’s News…

Are Significant Changes To Class Actions On The Horizon? (Part Two)

Court Says Calls to VoIP Number Did Not Violate TCPA

Older Residents in These States Complained the Most to the CFPB

Treasury plan could change U.S. consumer financial oversight, despite obstacles

FTC Brings Suit Against Debt Collector for “Phantom Debts”

Equitable Estoppel vs. Right to Amend Schedules

Debt-collection exec sentenced to more than 4 years in prison

Economic Data: Recent Interest Rate Hike Ups Concern for Consumers

Your credit score could jump in July, but it’s no cure-all

Register for July’s Webinar!

Is there Life After HAMP? Now what?
The End of HAMP: Understanding Proprietary Modifications
Date: Thursday, July 20, 2017, 3:00 PM Eastern to 4:00 PM Eastern
Presented by: O. Max Gardner III, Roberto (Bobby) Rivera
Cost: $25 NACBA Member / $75 Non Member
Register HERE

Renew Your Membership  For a Chance to Win This Great Resource!

Only two more days to renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out theRequirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

Bankruptcy News Briefs 6/28

Midweek Headlines…

Secretary of Education Announces Intent to Appoint New COO of Federal Student Aid

Petition to Exempt Ringless Voicemails From Anti-Robocall Rules Has Been Withdrawn

CFPB Takes Action Against Unscrupulous Credit Repair Firms

FDCPA Case Law Review for April and May 2017

11th Circuit: Abuse Test under §707(b) Applies where Debtor Initially filed under Chapter 13 but later Converted to Chapter 7

TCPA Case Law Review for May and June 2017

CFPB: Here’s a state-by-state breakdown of consumer complaints
New Reforms Will Improve Credit Reporting Accuracy for Millions of Consumers

The Supreme Court Clarifies Definition of “Debt Collector” Under FDCPA

Undoing the CFPB’s Damage: The Trump Administration’s Options Are Limited

CFPB Snapshot: California Leads Nation in Complaints to Agency

Debtor Could Not Cram Down Auto Lender’s Claim by the Amount Equal to the Negative Equity, GAP Insurance and Service Contract that she Financed

Court Awards Attorney’s Fees and Damages under §105 as Necessary to Carry Out and Give Meaning to §1301’s Co-Debtor Stay

Since Creditor was Bound by Terms of Confirmed Chapter 13 Plan, Court Denied its Post-Confirmation Motion for Administrative Expense Claim

Register for July’s Webinar!

Is there Life After HAMP? Now what?
The End of HAMP: Understanding Proprietary Modifications
Date: Thursday, July 20, 2017, 3:00 PM Eastern to 4:00 PM Eastern
Presented by: O. Max Gardner III, Roberto (Bobby) Rivera
Cost: $25 NACBA Member / $75 Non Member
Register HERE

Renew Your Membership  For a Chance to Win This Great Resource!

Only a few more days to renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out theRequirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

 

Bankruptcy News Briefs 6/27

News Making Headlines…

Department of Education Files Appeal of Preliminary Injunction; Briefing Deadlines Set

The Department of ED Contract: A Candid Discussion between Industry Experts Mike Ginsberg and Randy Kamm

23 Financial Industry Groups Urge Adoption of Bipartisan Commission to Run CFPB

CFPB Wants to Fix Public Service Loan Forgiveness Program

Blog: Banking lobby pushes for CFPB commission

IRS Private Debt Collectors Accused Of Pressuring Taxpayers, Breaking The Law

Debt collector accused of ‘re-dos’ to collect multiple times

IRS warns of increasing summertime tax scams

WELCH INTRODUCES LEGISLATION TO AID STUDENT LOAN DEBT MANAGEMENT

Attorney for Debtor’s Ex-Wife, Who had Knowledge of Bankruptcy, Violated the Automatic Stay by Bringing Contempt Action in Divorce Case

Dear Bankruptcy Asset Purchaser, Got Good Faith?

Consumer Reports: Personal bankruptcies decline under ACA

How health care costs are linked to foreclosures

Tax Cuts In Republican Senate Health Bill Undercut Its Best Justification

Register for July’s Webinar!

Is there Life After HAMP? Now what?
The End of HAMP: Understanding Proprietary Modifications
Date: Thursday, July 20, 2017, 3:00 PM Eastern to 4:00 PM Eastern
Presented by: O. Max Gardner III, Roberto (Bobby) Rivera
Cost: $25 NACBA Member / $75 Non Member
Register HERE

Renew Your Membership  For a Chance to Win This Great Resource!

Only a few more days to renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out theRequirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

Register for NACBA’s Upcoming July Webinar

 

NACBA is excited to announce our upcoming webinar, “The End of HAMP: Understanding Proprietary Modifications,” on Thursday, July 20th from 3-4 PM ET. With HAMP no longer in existence, it is more important than ever to understand the many proprietary loan modifications being used and understanding how to thoughtfully integrate Regs X and Z into your Bankruptcy, Foreclosure Defense or Loss Mitigation practice.

You can transform your practice and double your opportunity to generate fees from each of your much more satisfied clients.  You’ll see how quickly the servicers will settle your cases, waive alleged “unwaivable” restrictions or make your client the exception to the rule.

Presenters Max O. Gardner III and  Roberto Rivera we’ll cover topics such as:

  • Finding the Investor or Guarantor of the Loan
  • Pooling & Servicing Agreements
  • GSE Published Guidelines
  • “Standard Modifications” and basic terms of some Proprietary Mod Programs
  • Common Terms & Formulas used in all Loan Modifications
  • Streamlined Mods and Not So Streamlined Mods
  • How Servicers Pick Loans for Alternative Mod Products
  • How to Determine Which Mods Your Client Can really Qualify for and How to Get them
  • How to Select the Right Client

Don’t miss this webinar Register today!

Cost: $25 NACBA Member / $75 Non Member

Bankruptcy News Briefs 6/23

So Many Headlines Leading Into the Weekend…

CFPB Announces Updated Manual for Student Loan Supervision and Releases Report on Public Service Loan Forgiveness Program Complaints

FCC Chairman Announces Candidate for Enforcement Bureau

Nevada Consumers Mislabeled as Terrorists Join in $60 Million Class Action Verdict Against TransUnion

Breaking: 2nd Circuit Says TCPA Consent Not Revocable if Part of Contract

Team Studies Impact of Medical Debt Forgiveness

Minnesota Court Rules Attorney Serving Notice of Lien Not Immune from FDCPA Requirements

Why we can’t lose the Consumer Financial Protection Bureau: Mike Feuer

South Carolina Consumers Mislabeled as Terrorists Join in $60 Million Class Action Verdict Against TransUnion

Problems plague student loan forgiveness program

Norfolk debt-collection firm settles with IRS

Debt collection suit decision reversed by state Supreme Court

Student Loan Complaints Skyrocket 325%

Debt Owed Pursuant to Divorce Settlement Agreement was Dischargeable in Chapter 13 since it was Not “In the Nature of Support”

Renew Your Membership  For a Chance to Win This Great Resource!

Renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out the Requirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

 

Bankruptcy News Briefs 6/22

News in the Headlines…

Fed Reports Delinquency Transition Rates are Low—Except for Student Loans

Class Actions Matter: Consumers Mislabeled as Terrorists Win Record $60 Million against TransUnion for Violating Key Consumer Protection Law

Congress Must Defend Service Members from Predatory Financial Scams

CFPB Highlights Complaints About The Public Service Loan Forgiveness Program

STATEMENT COMMENDING NEW MILITARY CONSUMER ENFORCEMENT ACT

Court Denies Creditor’s Motion to Dismiss Chapter 11 Case Despite Multiple Factors in Favor of Dismissal

Abolishing Medical Bills Attracts BIG Activists – Nurses, Academics and…Bill Collectors?

What Deleveraging?

Debt Collection Complaints Continue Monthly Decline; Consumer Litigation Filings Bounce Back

Conversion from Chapter 13 to 7 Occurs Automatically Upon Filing a Notice or Motion, by Operation of Law

Don’t Miss Today’s Webinar!

Don’t miss NACBA’s comprehensive webinar, “2017 Case Law Updates & Impact on Consumer Bankruptcy Attorneys,” Thursday, June 22nd from 3pm-4pm ET with Henry Sommer and Angela Littiwn. This webinar will discuss recent trends in bankruptcy case law, with analysis of cases decided by the Courts of Appeals and other appellate courts. Take a look at the cases they will be discussing and make sure you Register Today!

Cost is $25 for NACBA Members/$75 For NonMembers

Renew Your Membership  For a Chance to Win This Great Resource!

Renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out the Requirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

Bankruptcy News Briefs 6/21

Midweek Headlines…

Secretary of Education Betsy DeVos Announces Intent to Appoint Dr. A. Wayne Johnson as Chief Operating Officer of Federal Student Aid

Maine Adopts New Law for Debt Buyers

Judge raps Consumer Financial Protection Bureau over $15M tug-of war

Subprime lender Provident Financial hit by shortage of debt collectors

Debt Collector Defined: Supreme Court Exempts Debt Purchasers

Obamacare credited with reducing bankruptcy rates

Subject Matter Jurisdiction and Abstention in Legal Malpractice actions brought by a Bankruptcy Debtor – Part 2

Refinancing Isn’t The Solution To Student Loan Woes

District Court Upholds Bankruptcy Court Determination that Lien Based on Unemployment Over-payment is a Judicial Lien, which Can be Avoided under § 522(f)

Student loan servicing giant takes on state regulatory moves

Register for Tomorrow’s Webinar!

Don’t miss NACBA’s comprehensive webinar, “2017 Case Law Updates & Impact on Consumer Bankruptcy Attorneys,” Thursday, June 22nd from 3pm-4pm ET with Henry Sommer and Angela Littiwn. This webinar will discuss recent trends in bankruptcy case law, with analysis of cases decided by the Courts of Appeals and other appellate courts. Take a look at the cases they will be discussing and make sure you Register Today!

Cost is $25 for NACBA Members/$75 For NonMembers

Renew Your Membership  For a Chance to Win This Great Resource!

Renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out the Requirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!

Bankruptcy News Briefs 6/20

Take A Moment to Read Today’s Headlines…

$200 Debt Turns into $500 Jury Verdict …and $36,000 in Attorney Fees

Second Thoughts: CFPB And Prepaid Card Rules

US TREASURY REPORT A GIFT TO WALL STREET, A THREAT TO CFPB AND EVERYONE ELSE

Harris & Harris, associated debt collection firm allegedly used autodialer to seek debt

Diagnosing the Health of the U.S. Consumer

Starting July 1, some black marks will vanish from credit reports

Consumer Groups Take Aim at Navient for Phone Harassment

Robocalls Hijacking Your Voicemail Is ‘Invasive and Abusive,’ Say Lawmakers

Could Illinois be the first state to file for bankruptcy?

 

Phoney Lawsuits: House Subcommittee Hears Testimony On TCPA ‘Lawsuit Abuse’

Upcoming NACBA Webinar!

Don’t miss NACBA’s comprehensive webinar, “2017 Case Law Updates & Impact on Consumer Bankruptcy Attorneys,” Thursday, June 22nd from 3pm-4pm ET with Henry Sommer and Angela Littiwn. This webinar will discuss recent trends in bankruptcy case law, with analysis of cases decided by the Courts of Appeals and other appellate courts. Take a look at the cases they will be discussing and make sure you Register Today!

Cost is $25 for NACBA Members/$75 For NonMembers

Renew Your Membership  For a Chance to Win This Great Resource!

Renew your membership in June to be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month.

Introduce a New Member to NACBA & Receive a $25 Amazon Gift Card! 

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out the Requirements and start referring today!

PlayBack NACBA

Can you believe it’s been a month since the 2017 Convention? Was there a session you wanted to attend, but couldn’t? We understand! There were so many incredible sessions available and you can only be in one place at one time, but don’t fret! There is a way that you can relieve NACBA25 visit Playback NACBA and access your  3 Month Pass if you were an attendee!

Not A Member of  NACBA? Join today and receive membership benefits that will enhance your professional endeavors!