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Loan modification is the process of negotiating with your lender to reach agreement on modifying the terms of repayment of your existing home mortgage to enable you to continue making your payments despite some hardship that you and your family may be experiencing.

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Last year, the internet was abuzz after Hostess Brands filed for Chapter 11 bankruptcy. People feared that their beloved sponge cake treat, the Twinkie, would disappear forever as a result of the bankruptcy (far fewer tears were shed for Ho Hos and Ding Dongs). The fears were legitimate — but it appears they have been allayed, as a couple of ...

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The Orantes Law Firm was recently engaged to take over the languishing reorganization of a luxury hotel in Toledo, Ohio. The Firm is currently writing and negotiating the terms of a plan of reorganization that will ideally allow the hotel to exit Chapter 11 within about three months, which is the minimum time the law would allow.

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Credit cards can be a dangerous trap. With high interest rates and low minimum monthly payments, it is easy to believe that you just need a little more time to pay them off. But eventually you get to a point where you need to start looking for real solutions.

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In the aftermath of the recession, many small business owners have found themselves in difficult positions – unable to pay their bills and uncertain about the future. When faced with such a trying situation, it is important to understand the options available to regain solid financial footing. For many business owners, filing for Chapter 11 bankruptcy provides a way to ...

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One of the topics we often discuss here on this blog is the nearly impossible task of discharging student loan debt. Many students leave college with a degree that is supposed to help them land a career-launching job; but with the job market still relatively unstable, this degree saddles post-graduates with immense debt and only a slightly improved chance of ...

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In this still shaky economy, millions of Californians have found themselves struggling to keep up with their monthly expenses. Some have turned to credit cards to make up this spending gap while they look for ways to bring in more income.

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In the past, we have talked about the extreme (and illegal) measures that debt collectors will employ to try and extract money from people. The supposedly in-debt party may not even owe money; or the debt collectors may not even have the legal grounds to even make such a request; and yet, there they are, making a harassing phone call ...

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In 2005, when the Bankruptcy Code of the United States was altered to grant more oversight of consumer bankruptcy filings, Congress charged the U.S. Trustee Program with undertaking the vast challenge of reviewing potentially fraudulent filings.

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Many California residents have been enjoying the last couple of years, financially speaking. Things have been on the uptick ever since the 2008 economic depression (caused by the housing market collapse), and though things still are not quite back to where they were, it certainly appears we are on our way.

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