According to RealtyTrac, foreclosures in the first three months of 2011 are trending down as compared to 2010. Foreclosures in January, Februrary, and March of 2011 are down by 27% as compared to foreclosures in the same months of 2010. Unfortunately, most experts agree that this trend is not due to a healthier economy and [...]
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Massachusetts Chapter 13 Bankruptcy Update
After practicing bankruptcy in Boston for over 25 years, we often get asked questions about Chapter 13 bankruptcy. We focus mostly on Boston Chapter 7 bankruptcy cases. One important advantage of the Massachusetts Chapter 13 bankruptcy is that it offers you the chance to bring down the amount that you owe to your creditors. When [...]
New Year, New Credit Repair: Five loans to Avoid in 2012
2012 is fast-approaching, and it’s time for resolutions. If your finances were less-than-stellar this year, credit repair should be at the top of your list. While debt reduction and money management are great ways to stay ahead of the curve, avoiding potential trouble is critical as well. For that reason, borrowing money is both the [...]
Ho, Ho, …Hum? Make the Most of Your Holiday Downtime
You’re stuck at the office but things have slowed to a crawl. The phone’s not ringing and you’ve already updated your Facebook page. What to do? The Legal Intelligencer has a great post by Neen James with some great tips for cleaning up and preparing for the New Year by organizing your 2011 mess including: [...]
New Mexico Debt Collection Rule Is a Victory for Debtors
New Mexico’s Attorney General will begin enforcing a new Rule which requires debt collectors doing business in New Mexico to make a good faith effort to determine if collection of a debt is time-barred and if it is time-barred, to so inform the debtor. The collector must also tell the debtor that signing a new [...]
Year End Planning for Massachusetts Clients
As we enter the final weeks of the calendar year we post this blog article to inform Massachusetts consumers of a few things they can do to reduce taxes and keep their retirements accounts active. Our Massachusetts Financial Planning for 2011 blog article in our http://www.bostonbankruptcylawyerblog.com/ blog should be revisited. Tax planning basically involves two [...]
Impact of credit score on interest rate of bank loans
Credit score is essentially a statistical analysis of your credit files and is numerically expressed, though it might also have alphabet designations. A credit score measures your credit worthiness which invariably is a measure of your capability to repay a loan taken out against you. This is a measure taken by most banks or lenders [...]
Debt Re-Aging and Your Credit Score
Depending on your situation, debt re-aging can help or hinder your credit scores. While one represents an act of fair business practices, the other represents business at its worse. Read on to discover the particulars about debt re-aging and how it could affect you. Consumer Request Re-aging The first type of debt re-aging is a [...]
Start Fresh Today is a Hit at NACBA in Colorado Springs
Last week, Start Fresh Today made its way from the sunny beaches of South Florida to the crisp mountain air of Colorado Springs for the NACBA Fall Workshop. The three-day event was held at the beautiful and luxurious Broadmoor Hotel and Resort. It couldn’t have been a more perfect weekend for both business and leisure. [...]
How and When to Reopen a Bankruptcy Case
Sometimes people want to reopen a closed bankruptcy case because they failed to invoke important procedures while their bankruptcy case was open. Fortunately it’s usually possible to reopen the bankruptcy and play catch-up. Common reasons for wanting to reopen a bankruptcy case include: failing to timely file an Official Form 23 failing to name an [...]
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