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Filing Bankruptcy When You Work for a Bank

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What do you do if you need to file bankruptcy but you work for Bank of America or Chase, Wells Fargo, or any bank for that matter? Even worse, what if you owe your employer money? This question comes up rather often. I have represented a number of bank employees, everyone from tellers to loan […]

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How can I pay for a bankruptcy when I am broke?

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This is quite possibly the most frequently asked questions I hear. After all, if you cannot pay your debts and need to file a bankruptcy, where are you supposed to find the $1k-$2k it will cost to pay your bankruptcy attorney? Here are some things to consider with regard to paying for bankruptcy. If you […]

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Loan Modification & Bankruptcy

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Homeowners seeking to modify their loans under the HAMP program may encounter issues with the loan modification when they file for Bankruptcy under Chapter 7 or Chapter 13. In the early days of the HAMP program I used to caution people who were still in their trial modification term to wait until it was over […]

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Bank of America May Not Have Standing to Conduct Arizona Foreclosure

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In early June, the Ninth Circuit Court of Appeals Bankruptcy Appellate Panel issued several decisions in similar cases dealing with the issue of whether lender has standing to prosecute a motion to lift the automatic bankruptcy stay. One of these cases, Sardana v. Bank of America, N.A., contains some interesting insights into the way Bank […]

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Fighting Fraud in Bankruptcy Act of 2011

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On May 25, 2011, Senator Patrick Leahy (D-VT) introduced a bill (S.1054, full text available here) titled the “Fighting Fraud in Bankruptcy Act of 2011” (hereinafter “FFBA”). The FFBA is aimed at providing additional tools to the U.S. Trustees to protect homeowners from lenders who file fraudulent claims. These¬†additional¬†tools consist primarily of remedies against those […]

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Donate to a Good Cause

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The world is becoming an increasingly stratified place. Many people have prospered through the recent recession and many people have struggled. We are all, however, in this world together. One irony of financial downturns is that those people who may need legal help the most are the least likely to be able to afford it. […]

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Donation Only Bankruptcy Help

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KarmaCounsel.org is now providing an alternative method for Arizona and California individuals to obtain help with a bankruptcy. Based on the principle that helping others sows positive seeds for the future, KarmaCounsel.org connects people with attorneys willing to work on a donation only basis. The website fills the gap between those public interest organizations who […]

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Using Nontraditional Credit Data

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The modern credit score carries with it so much meaning for most Americans that it has become part of our identities. Potential employers use it to gauge our trustworthiness and consistency. Creditors use it to determine whether to lend to us. Government agencies use it during security clearances and background checks. There is a lot […]

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Consumer Borrowing On the Rise

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A recent report from the New York Federal Reserve indicates that consumer borrowing is on the rise. This apparent “healing of the credit markets” is widely seen as a good sign for the economy. It often feels, however, that what is good for the economy is bad for consumers. When was the last time you […]

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Bankruptcy and Employment Discrimination

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Often I have people come to me contemplating a bankruptcy who are worried that their employers will terminate them if they file. This is especially common for people who work for banks and credit card companies. After all, if you work for Bank of America as a loan officer and file Bankruptcy to discharge debts […]

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