Tag: creditor

Free Credit Reports Available Weekly Through April 2021 Due to Coronavirus

Free Credit Reports Available Weekly Through April 2021 Due to Coronavirus

In response to COVID-19, and effective now through April, 2021, consumers are eligible to pull free credit reports weekly, rather than the normal limit of once per year. This will assist consumers in being able to more regularly monitor their credit to identify and discover possible affects on credit from things such as irregular payment arrangements, or non-payment due to...Read More

Chapter 7 Bankruptcy Means Test Median Family Income Levels By State as of November 1, 2019

Below you will find the median family income levels utilized by the United States Trustee Program for means testing individuals who have filed for bankruptcy relief. As of November 1, 2019, the median family income levels for Florida have risen, which generally benefits individuals who are in need of debt relief. The median income information is used by the bankruptcy...Read More

Short selling your home? Here’s a tip: start the process well in advance of a scheduled foreclosure sale

Short selling your home? Here’s a tip: start the process well in advance of a scheduled foreclosure sale

A September, 2018 opinion[note]Ocean Bank v. Gato, 2018 WL 4761845, ___ So.3d ___ (Fla. 3d DCA 2018).[/note] from Florida's Third District Court of Appeals provides guidance on what is not a "lawful, cognizable basis" for cancelling, rescheduling, or continuing a judicial foreclosure sale date, in the absence of an agreement from the plaintiff (lender). In the case below, thirteen days...Read More

A corporation by any other name…

"A rose lender by any other a slightly different name would smell as sweet still be able to foreclose." - Shakespeare 4th DCA (more or less) Florida's 4th District Court of Appeals has held that the omission of the word "corporation" from a corporation's name as it appears on various mortgage loan documents, did not render the loan invalid as...Read More