As a homeowner, you may be wondering what to do when you get served with foreclosure papers. Like many others, you might be tempted not to respond to the Notice of Intent (NOI), but that’s actually one of the worst things you can do. Unfortunately, many homeowners don’t know what they should do after receiving…
What to do when you receive a Notice of Wage Garnishment and you have just started a new job? One of the effects of the pandemic was to shut the debt collection industry for a month or more when things just started. The inability to put people in their little Stalinist cubicles close together in…
Debt Collection is $14.5 Trillion Industry as of 2019 and it’s growing. Laws protect consumers by regulating how businesses and consumers handle the credit and debit transaction business. That way both the company and the consumer get fair treatment. By understanding the laws, you are better able to protect yourself. For the consumer, laws work…
Your financial future depends on what’s in your credit report. Your ability to get a job, rent a place to live, get a loan, and a credit card are all dependent on having an accurate credit report free of errors. Credit report violations can be devastating. The Fair Credit Reporting Act of 1970 (FCRA) gives…
This post comes to you on the Sunday before the national election for the United States president. Happy Halloween! Today we examine areas that are likely to impact many homeowners and consumers in the coming weeks and months: the CARES Act and debt collection. I’ve written earlier this year about forbearance with the CARES act…
Josh, why do you do what you do? And, more importantly, how can that help me? Everyone of us are dealing with what I call the “Hedge Fund Society” … the society making its money by sucking the lifeblood from the rest of us. The Top 1% of Americans Have Taken $50 Trillion From the…
A forbearance of payments on your mortgage may or may not be right for you. Here is a breakdown of the hidden pitfalls and opportunities built in that you need to understand before making this decision. FHA Back Mortgage Loans and Forbearance Postponing or reducing loan payments while interest continues to accrue is a forbearance….
What is RESPA and how does it relate to your mortgage, your FHA Forbearance, and the CARES Act? The Real Estate Settlement Procedures Act (RESPA) is the federal statute that governs the mortgage servicing industry and protects your rights under the CARES Act. It is an extremely complex and nuanced statute such that few New…
Americans desperately need the CARES Act payments for food, rent, utilities & healthcare. Debt collectors could grab the money. Congress forgot to add an exemption to these funds the way they do for other public disbursements such as Medicare. Protect your money from the debt collection industry. Denbeaux & Denbeaux has teamed up teaming up…
No. That said, in 2014, Pressler obtained over 50,000 judgments in New Jersey Courts. Please get us all communications you still have from Pressler and the docket number of the lawsuit that Pressler filed against you. How Do I Know if I Have a Claim Against Pressler? In order for us to review your case,…