Fleysher Law Blog

Bipartisan Student Loan Bankruptcy Bill Introduced

The Fresh Start Through Bankruptcy Act would change the bankruptcy code to make it easier to discharge student loans under certain conditions. Senators Richard Durbin (D-IL) and John Cornyn (R-TX) are the bill’s sponsors (R-TX). While it is not impossible to discharge student loan debt through bankruptcy under existing law, it can be extremely difficult. To do so, most borrowers must demonstrate “undue hardship,” which is a difficult legal standard

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Car and Auto Refinance with bad credit and no euity

Auto Refinance in Ch. 13

If you have recently been denied an auto refinance loan because (1) your credit score was too low; or (2) because your car is worth less than the current loan balance; or (3) because your car is too old, you may have another option… Ch. 13 is a type of bankruptcy that provides for a personal reorganization of your finances. In addition to discharging your unsecured debts (i.e, credit cards,

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Zombie Foreclosures, Abandoned Properties, Abandoned Homes, Broward County Foreclosure Defense Attorney, Broward County Foreclosure Defense Lawyer, Loan Modification Attorney, Loan Modification Lawyer,

South Florida’s Zombie Foreclosures Have Plunged

Zombie foreclosure, or abandoned properties that are going through the foreclosure process, have had a dramatic decline in South Florida in the past year. According the RealtyTrac’s Zombie Foreclosure Alert, there has been a 46 percent decline in Zombie Foreclosure during the second quarter of litigation, which translates to about 7,021 properties. An attorney from Royal Palm Beach attributes this to higher knowledge of the law. Residents are aware that

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Unpaid medical bills, pendnig medical bills, credit score, how unpaid medical bills affect your credit,

Medical Debt Affects A Large Portion of Americans

In a new report of compiled data provided by the Consumer Financial Protection Bureau, close to 20 percent of U.S. shoppers are in debt due to unpaid medical bills. Many Americans seem to be confused by the bills that insurance companies and hospitals are providing for the cost of their treatments. This confusion is causing lower credit scores and making it much harder for Americans to get loans for homes

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debt collector, frozen bank account, debt settlement, remove freeze over account, Bank of Aerica, PNC Bank, BB&T,

For Nearly Three Years A Palm Beach County Woman Had Her Account Frozen

A Palm Beach County woman had her bank account frozen for nearly three years until a Broward County circuit judge ordered Bank of America to unfreeze it and BB&T to refrain from the pursuit of collecting fund from her account. Amy Kodsi’s Bank of America account had $720,000 when it was frozen by creditors who filed a court judgment due to her husband, who racked up $4 million worth of

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HOA, COA, foreclosure, homeowners associations, codominium association, active foreclosure

Associations Need To Be More Diligent During The Foreclosure Process

Homeowners and condominium association were doing an adequate job of collecting monies due to them including write-offs that were so troublesome or hard for the association to deal with. This is all before the market crashed in 2008, where the court system became highly overwhelmed with mortgage foreclosures and unchallenged cases would typically take at least 3 years to finalize. Associations have had to make changes in their collection policies

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Rent, Renting, South Florida Rent,

South Florida Rentals are Going Sky High

South Floridians are feeling the pain when it comes time to pay their landlords. Rent is taking a larger sum out of their paychecks than nearly anywhere else in the country, and there is no sign of relief in sight. It takes 44 percent of your earnings, typically, to pay rent in South Florida. This is 14 percent more than the average throughout the country stated Zillow.com. San Francisco and

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Deficience judgements, foreclosure defence, deficiency judgment defence, second wave of foreclosures,

Second Wave of Foreclosure Hits South Florida

Many residents in South Florida are confronting a new wave of foreclosure consequences as banks attempt to secure unpaid mortgage debts from foreclosed homes that were lost years ago. Beginning June 1st nearly 110 alleged deficiency judgments were filed by Dyck O’neal, a Texas-based collection company, in Palm Beach County, 200 in Miami-Dade County, and 300 in Broward County. It is believed that because the deadline changed from 5 years,

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lower bankruptcy, filing bankruptcy, sarasota bankruptcy attorney, charlotte bankruptcy attorney, manatee bankruptcy attorney

Southwest Florida Bankruptcy Filings have Lowered Tremendously

A couple of years after the recession, the rate of consumers and businesses filing for bankruptcy have dropped approximately 50 percent in Southwest Florida. Nearly 2,600 companies and residents in Charlotte, Manatee, and Sarasota counties solicited bankruptcy attorneys to defend them against creditor in the last year – this is about half of the bankruptcy filings in 2010. Unfortunately, it is still 500 more bankruptcies filed then when the economy

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foreclosure, palm beach foreclosure, palm beach lawyer, increased foreclosures

New Law Increases Foreclosures in Palm Beach County

July 2014 marks the one year anniversary of Florida’s “Fair Foreclosure Act”. The Florida Legislature passed this law requiring, among other things, the plaintiff to confirm in their foreclosure complaint that they are in possession of all the necessary documents to support their case against the defendant. The law, also referred to as the “Speedy Foreclosure Act” went in to effect on July 1, 2013. July 2014 forelcosure filings were

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