Debt & Judgment
You may not be as misfortunate as you think, and that could cost you. Sometimes people come into money: you could win the lottery, inherit a fortune, or simply land a decent-paying job. Such good luck could be bad news if you have a judgment waiting to collect. A judgment may not mean much when you are broke and cannot afford to pay, but it will cost you later if you do come into money. A judgment is a lien good for twenty years. Often creditors seek judgments not because they expect to collect right away. Should you come into money within that twenty-year timeframe, you may never see it. That judgment means the creditor can garnish your account without warning—whoosh! It is gone! Just when you thought you were turning things around, you are back to very little money. Seek good legal counsel if you are facing a judgment or heavy monetary fine. A legal defense may be able to fit the penalty to your best possible outcome. Read More
Financial Lost & Found
eHarmony users are not looking for a partner in Bankruptcy, and Ancestry.com enthusiasts do not want to turn over a leaf to find that Great Aunt Dora lost the family estate to Foreclosure. Most people do not go out searching for misfortune; misfortune finds them. When you go to buy something, generally you know what you are going to do with that thing when you get it. Harder to know what to do with financial misfortune when it arrives unannounced and unwanted. Medical hardship and loss of income or employment are not situations homeowners are actively seeking, yet they often have to deal with the consequences. You have legal options. Just because misfortune has made an extemporaneous, unwelcome visit does not mean you have to accept the worst case scenario. Seek competent legal counsel to actively look for the best possible outcome in a bad situation. Legal defense in a foreclosure or consumer rights situation is like shopping, where you want the best deal with the best benefit for you and your family. If you are financially lost, seek legal guidance to help find your way to recovery. Read More
Stepping Stones to Misfortune & Recovery
Unemployment, medical hardship, loss of income…these are stepping stones to misfortune. Life pulls you one direction, while your financial goals take a different route. Before you declare bankruptcy, consider your options. Bankruptcy is great if you have been bitten by the right snake. While bankruptcy can stop a home foreclosure, it is not an anti-venom to be taken lightly. There are consequences you need to understand beforehand. Bankruptcy has long-lasting effects, and you may be better served by an alternative resolution. Seek competent legal counsel if you are stuck between a rocky lender and a financial hardship. Make informed decisions about the steps before you. Choose wisely, using expert legal advice to find the best path to recovery. Read More