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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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Private Mortgage Insurance Paying Underwater Borrowers

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PMI Group, a private mortgage insurer, has announced that it will be paying some borrowers cash to stay in their homes. The goal of the program is to prevent mortgage defaults, which naturally cost the insurer. Through its subsidiary, Homeowner Reward, borrowers who are underwater on their homes and choose to participate in the program […]

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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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Help for Artists

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KarmaCounsel.org, the first donation only legal services website in the U.S., is now accepting inquiries from artists and other creative individuals in need of legal counsel on a donation only basis. This service is only available to individuals residing or working in California or Arizona. If you are an artist, writer, musician, or other creative […]

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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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Foreclosures Slowing Nationwide

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Looking at the statistics for April 2011, the pace of foreclosures and trustee sale notices has slowed dramatically compared to last year. In Los Angeles the rate is down a full 17.41%. This slowing of foreclosures, however, does not necessarily mean less families are in trouble. Many still are. Rather, the slowing is likely indicative […]

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