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Month: April 2013

Posted on April 27, 2013 in
The FTC recently released a report detailing how the debt buying industry works.  The report found that debt buyers paid an average of 4.0 cents per dollar of face value debt.  Importantly, the FTC also produced statistics showing that many debt buyers may not possess the information necessary to properly comply with the Fair Debt...
Posted on April 22, 2013 in
HARP 2.0 HARP is the government sponsored Home Affordable Refinance Program.  It is currently available to homeowner’s whose loans are owned by Fannie Mae or Freddie Mac.  Under this program a homeowner that is presently underwater on their mortgage will be able to refinance their home, generally over a new 30 year term, to current...
Posted on April 19, 2013 in
The Federal Trade Commission recently released its “Top 10 Complaint Categories for 2012.”  The second most frequently occurring complaints received by the FTC were in regards to debt collection.  Specifically, the FTC received approximately 1,920 complaints from Nevada consumers regarding debt collection activities.  Importantly, these numbers from the FTC do not include lawsuits filed by...
Posted on April 17, 2013 in
If you are considering a short sale, then you probably have questions about your potential liability on the deficiency—the portion of the mortgage not covered by the sale of the home. This is a legal question, and legal questions require legal advice.  Real estate agents are prohibited from giving legal advice. Unfortunately, many real estate...