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March 2011 Archives

Credit card debt protection may cost more than it's worth

Last week, we talked about the credit repair scams that seem to be running rampant in South Florida. Now, the Government Accountability Office has released a report about another type of "service" that might do consumers more harm than good. The GAO found that most credit card debt protection offers cost cardholders much more than they benefit them.

Beware of debt settlement or credit repair scams

With the tough economy, most people are struggling to make ends meet. Many have turned to credit cards to bridge the gap between income and bills, but that can only go on for so long. At some point, the debt from the credit cards and unpaid bills can become overwhelming.

Underwater homeowners face tough decisions in South Florida

A decade ago, many people probably did not even know what the term "underwater" meant in reference to a mortgage. Now, nearly everyone has heard about underwater homes, and many in the South Florida community are themselves underwater on their mortgages.

South Florida bankruptcy trustee accused of misappropriating funds

Chapter 7 bankruptcy is often referred to as "liquidation bankruptcy" because it sometimes requires debtors to liquidate assets and use the proceeds to pay back creditors before they are given a discharge of their debts. When liquidating assets is required, a bankruptcy trustee usually becomes involved.

When Florida debt collectors go too far

For people struggling with debt, few things are more humiliating or frustrating than having a debt collector contact a family member. Not only is it humiliating, it is a violation of the debtor's privacy. That is why the Fair Debt Collection Practices Act made it illegal for creditors and collections agencies to communicate about a debtor's situation with any third party.

Florida homeowner fights for her home

These days, many people are facing foreclosure, especially in Florida. Recently, there have been many instances of banks providing inadequate, if not fraudulent, documentation regarding homes in foreclosure. Consequently, borrowers are no longer allowing banks to take their homes without a fight. The "fight" typically occurs through the court system. Homeowners seeking to avoid foreclosure will hire an experienced foreclosure attorney to help them through this complex and confusing process.

Florida Extreme Home Makeover builders file for Chapter 7

"Extreme Makeover: Home Edition" is a TV reality show known for building new homes for individuals who have faced some form of hardship. The actual builders of the new homes gain publicity, notoriety and goodwill as a result of their contributions to families in need.

Even celebrities face major financial problems and bankruptcy

Over the past few years, individuals from every walk of life have been impacted in some way. Celebrities, wall street executives and average Americans may not have much in common, but the economic recession has caused financial problems for each of them. For many, the answer to those problems is the same, too: bankruptcy.

Fewer people filing for bankruptcy in South Florida

The recent downward trend in South Florida bankruptcy filings continued last month, with fewer people filing for personal bankruptcy in February 2011 than in the previous month and the previous year. Bankruptcy analysts have speculated many reasons for this trend.

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