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What does the CARES Act do for student loans?
The Coronavirus Aid Relief and Economic Security (CARES Act) was first passed by President Trump on March 27, 2020 with goal of helping people with their student loans. Trump extended the effective timeframe twice and President Biden extending its protection a third time, through September 30, 2021. The CARES act reduces interest rates to 0%, stops wage garnishments and collection attempts if you are in default and suspends your need to make a payment if your loan qualifies. It’s important to note that not all student loans in Chicago are eligible.
What loans qualify for protection under the Cares Act?
According to FSA.gov, only federal student loans held by the Department of Education are eligible for protection. Some Stafford/FFEL and Perkins loans may not be covered, especially if your loan is in good standing and you make payments on time. Depending on your circumstances, you may not benefit from the CARES Act and must continue paying these loans even while other loan payments are suspended.
Some federal student loans are subsidized by the federal government but are not owned by the federal government and that is the major difference as to which loans are covered by CARES.
Are there exceptions to student loan protection under the CARES Act?
Despite the fact that the CARES Act attempts to clearly define which loans qualify for protection, there are several exceptions. Some loans can become federal owned loans based on the status of the loan, your status, or various other circumstances. Understanding eligibility requirements, how they apply to your loan and what it means in the end is best accomplished with the help of a trained student loan lawyer. Making a mistake can cost you dearly with a severe negative impact when the CARES Act expires or potentially sooner.
How does a student loan lawyer help me?
A trained, experienced student loan lawyer understands the specific circumstances of the loan cycle. They can help you understand your loan status and the strategies you can implement during the protection period and after the CARES Act expires. Knowing how to position your loans now can help you avoid collections, make it easier to plan your finances, and ease any stress you have on this topic. Contact me today to set up an analysis of your student loans so you are prepared and don’t get stuck in the middle when CARES expires.
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Senior Citizens and Chapter 7 Bankruptcy
It used to be that people grew up, got jobs, raised families and happily retired. If you are like many older residents in Chicagoland, life has gotten more complicated than that. Your savings and Social Security payments may not be enough to cover your needs. Our team at Benjamin Brand, LLP, has the experience to assist clients when bankruptcy becomes the best option to get out from underneath overwhelming debt.
For most seniors living in Chicago’s Lower West Side, Near West Side, East Garfield Park and West Town, bankruptcy is not one of the first options considered. However, according to the Washington Post, increased health care costs and reduced income result in more Americans filing for bankruptcy than ever before. It can help eliminate debt and provide protection from creditors so that they cannot seize personal assets or garnish wages.
Protection Under Chapter 7 Bankruptcy
Medical debt is one of the primary reasons people 65 and older file for bankruptcy. Chapter 7 can significantly decrease the amount due and help make payment plans manageable. Most retirees depend on retirement accounts throughout the golden years. Federal law protects the following types of accounts from creditors:
- Profit sharing plans
- IRA’s
- 402(b)s
- 401(k)s
- Defined benefit plans
Social Security income is also protected under Chapter 7. While not everyone who files for bankruptcy qualifies, if the bulk of your funds come from SSI, you likely will.
Alternatives to Bankruptcy
Bankruptcy can cause a lot of changes in your life. Take the time to explore alternatives, such as interest debt reduction, deferment of debt and renegotiation of secured loans to find out if they can provide enough relief. If it looks like Chapter 7 is your best option, retaining an attorney can help ensure the process goes smoothly.
You worked hard to get to your golden years. Filing for bankruptcy in Illinois can help protect your home, vehicle and other assets, lifting a heavy financial burden from your family. Visit our webpage or call us at 312.853.3100 to schedule an appointment.
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Tips to Take Control of Your Student Loan Debt
When you decided to go back to college or start your degree in the Chicago area, chances are you took out student loans. If you are like millions of Americans, you have finished school, but are saddled with overwhelming student loan debt. Not only have your financial conditions not improved, but you are stressed about the way the debt affects other aspects of your life from buying a car to qualifying for a mortgage. At Benjamin Brand, LLP, we often help clients in the West Loop address financial issues, from bankruptcy and student loan debt to mortgage restructuring and foreclosure.
Understand your Student Loan Debt
If your life is full, juggling family, work and friends, it’s tempting to avoid dealing with student loans and other financial issues. Take the first step toward escaping student loan debt by analyzing the information in the emails or envelopes delivered by USPS from your student loan servicers. Here are some tips to reclaim control of your school debt by getting to know it a bit better.
Start by writing everything down or entering it into a spreadsheet. Sometimes it helps to be able to see everything laid out.
- How many student loans do you have? Are they public or private? The federal government backs public loans, but each type has different borrower protections. Take some time to read the fine print and understand what they are.
- What are due dates and minimum payments for each? This can help you build a realistic monthly budget that incorporates the amounts.
- What is the repayment timeline for each loan? Most default to a 10-year plan, but if you can pay them off sooner, you’ll pay less in interest over the loan’s term. Make sure there are no prepayment penalties.
- What is the balance and interest rate for each? This will tell you how much you are estimated to pay over the life of the loan. It can also help you decide if refinancing the loan is a viable option.
Because student loans are installment loans instead of revolving debt, like credit cards, credit scoring models are generally more forgiving. Make on-time minimum payments to give your credit score a boost and limit credit card use. Maxing them out hurts your score.
Consult with a Chicago Attorney Near Me
Our team can help you make sense of your student loan paperwork and work with you to develop a plan to get your financial life back on track. Are the default minimum requirements out of the question? We will discuss which repayment plans work best for your budget and current situation. Deferment may sound good, but the downside is an inflated balance due to interest fees. Contact us today to schedule an appointment and learn more about how we can help you take back control of your student loans and move on with your life.
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Chapter 13 and Child Support
When filing Chapter 13 bankruptcy in Chicago, it is critical to comprehend how child support payments and any past due balances are impacted. Unlike Chapter 7, where assets are liquidated to pay off these debts, Chapter 13 requires you to bring current all payments in arrears.
This is because of a public policy determination by Congress to make sure that a child’s wellbeing is not jeopardized due to missed child support. This decision adds these debts to a special category called Priority Debts, which are paid off before other bills and takes precedence over others in the category such as taxes.
However, this also means that filing for Chapter 13 bankruptcy in Chicago will not relieve you of these debts or discharge your obligations. It is extremely important that your payments continue to be made during the entire Chapter 13 repayment plan.
Curing past due balances
A benefit of Chapter 13 bankruptcy in Chicago is that it allows you to cure past due child support. To ensure the balance is paid off, available funds to pay bills may be applied unequally between your child support balance and ongoing payments. This may result in lower payments to non-priority debts like credit cards, medical bills and general debts.
When you file a Chapter 13 bankruptcy in Chicago, an automatic stay is issued to all creditors. This stay does not stop efforts to collect child support debt using property that is not considered to be included in your bankruptcy estate. Different from Chapter 7, Chapter 13 includes your earnings in your bankruptcy estate. Due to this, a creditor cannot circumvent the bankruptcy to collect child support debt. Instead, they must attain permission from the court (through a motion) prior to them initiating any action to collect. Most often, this filing affects your earnings after bankruptcy, so meeting these obligations while under the repayment plan is of great advantage to you. If you are making plan payments on time and curing your pre-bankruptcy child support balance while in Chapter 13 bankruptcy in Chicago, you do not need to worry about a separate action to collect money from you outside of bankruptcy.
Remember, Chapter 13 bankruptcy in Chicago only allows you to bring current your past due child support balance through your repayment plan. This means you must continue to make your regular payments during your filing. If you fail to pay child support during your Chapter 13, the court can lift the automatic stay and allow creditors to use your assets regardless of whether or not they are included in the bankruptcy estate.
You are required to be current on child support payments to receive a discharge on any other debts
You cannot receive a Chapter 13 discharge on any of your debts until you certify that you are current on all domestic support obligations, including child support when you complete your Chapter 13 plan. If you miss any child support payments during your filing, you must pay them off before you can receive your discharge.
There may be other concerns when filing a Chapter 13 bankruptcy in Chicago as it pertains to family law and its impact related to a filing. Contact me now to have your scenario reviewed and see how I can help you determine how to file for best results.
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Child Support in Chicago Chapter 7 Bankruptcy
Filing for Chapter 7 bankruptcy in Chicago can be an uncomfortable experience, especially if you have child support payments. Making these payments on time is extremely important, but if you carry a past due balance and are filing a Chicago bankruptcy, they have a greater impact.
Typically, when Chapter 7 is filed, an automatic stay is issued that stops most collection activities from creditors. However, child support is exempt from this rule. This financial commitment does not get discharged, postponed, suspended or changed in bankruptcy even if it is Chapter 7. It must continue as the obligation states. In fact, filing may not stop any court proceedings or lawsuits that may be in progress regarding the payment default.
Why Can’t Child Support Be Discharged in Chapter 7?
In Chapter 7, there are several types of “priority debts” which are not dischargeable in Chicago bankruptcy. Child support payments receive special treatment because it is considered to be one of these priority debts. This means that any outstanding commitment of this type will survive the bankruptcy and will not eliminate or change your obligation to make ongoing payments or catch up on any in arears. You must continue to make the required installments on time.
A Hidden Benefit of filing a Chapter 7 with Child Support
If you have outstanding child support debt or cannot afford to make the required payments, Chapter 7 Chicago bankruptcy may have a silver lining. Since this court-mandated payment is prioritized over other debt, such as credit cards, those amounts may be wiped out leaving you enough cash to become current on the financial obligation to your child. Additionally, this requirement is at the top of the priority list, so it is paid even before other debts such as back taxes, making sure your children get precedence.
Court Mandated Payments are Prioritized Debt
If you have assets that are nonexempt, the Chapter 7 trustee appointed to your Chicago bankruptcy can liquidate them and use the proceeds to pay creditors. However, how the trustee distributes the proceeds depends on several criteria such as the amount owed and type of debt. Priority debt (child support), is paid before general unsecured debts (medical bills, credit cards, or car loans).
As a result, filing for Chapter 7 in Chicago can assist a child support creditor in collecting past due payments without having to engage in a separate legal action. If you are considering bankruptcy and have financial obligations mandated by the court, contact me today to learn how I can work with you to find the best filing solution.
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Getting help with Federal Student Loan debt
Federal student loans have several options to assist people with paying them off. However, typically people are unaware of these options until they are in payment trouble. This is where I can help by getting people out of wage garnishment, delinquency, default, assist in lowering monthly payments, qualifying for forgiveness programs and more.
Federal Student Loan Repayment Plans
There are nine different federal Student Loan Repayment Plans. Each one has a different payment calculation method and uses different logic to determine how they work. Several plans are based on income such as IDR, New IDR, ICR and IBR. Other options are balance-based. The plans are as follows:
- Standard Repayments
- Extended Repayments
- Graduated Repayments
- Extended Graduated Repayments
- Income-Based Repayments
- New Income-Based Repayments
- Income Contingent Repayments
- Pay-As-You-Earn
- Revised-Pay-As-You-Earn
What to consider when choosing a plan
There are many variables you should consider when selecting which of the Student Loan Payment Plans you want. These variables include:
- How long has it been since departure from school?
- What are the current annual earnings?
- What is future earning potential?
- Are there significant purchases expected in the future like a house, wedding, etc.?
- What life-altering events are planned such as having children?
- What other financial responsibilities are there?
The answers to the above questions make a difference because some repayment plans put you on a gradually increasing payment regardless of future earnings growth. Other federal Student Loan repayment Plans dictate an amount that increases as your income increases. An annual review of income is required and evaluated. When contemplating these options, I can help you understand the ramifications of each plan and any affects on short and long term goals. Once we decide which program works best, I can complete the necessary documents, file them per procedure and help maintain the plan if yearly recertification is required.
There are more options for working with federal student loans which include:
- Forbearance and Deferment
- Defense to Repayment
- Federal Student Loan Consolidation
- Federal Student Loan Rehabilitation
Not all of the repayment plans are offered to everyone with some restricted to certain loans or can only be used once. Every program has a different impact on:
- Public Service Loan Forgiveness
- Teacher Forgiveness
- Administrative discharges
Schedule a consult with me to review and get the right repayment plan.
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What is Bankruptcy in Chicago (and should I file)?
Bankruptcy in Chicago is a legal process used to eliminate a variety of debts when a person is not able to afford payments. It is not always calculated or based on debts being larger than assets. It is more often related to the ability for a person to repay the debts based on income after paying necessities such as groceries, utilities, children needs, etc.
Considering filing bankruptcy in Near West Side, Little Italy and Greektown?
Ask yourself these questions:
- Are credit cards used to pay for necessities?
- Are minimum payments the only way payments can be made on your debts?
- Are the debt amounts owed uncertain?
- Do collection companies call repeatedly?
- Does debt consolidation seem like the only answer?
If the answer to at least one of these questions is yes, filing for Chapter 7 or Chapter 13 bankruptcy may be the best option.
How do I know when to file Chicago bankruptcy?
Many individuals feel filing for bankruptcy in Chicago is a scary experience and something a person should never do unless there are no other options. This fear is unnecessary and can lead to significant harm by not taking action. Filing for bankruptcy in Chicago can be refreshing as a person becomes unburdened with the immense financial pressures and receives an opportunity for a new beginning. When determining whether to file for Chapter 7 or Chapter 13 bankruptcy in Chicago, there are several actions a person should take.
How do I declare bankruptcy in Chicagoland?
The first step regardless of whether debts and assets have been calculated is to call me for a free consultation where we can discuss the types of bankruptcy in Chicago. Chapter 7 and Chapter 13 bankruptcies are typically the most filed but have different timelines, benefits and procedures. Chapter 13 bankruptcy has several protections that Chapter 7 does not but takes longer to complete. Contact me today, and I will assist with selecting and processing the best bankruptcy option.
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Stopping Federal Tax Intercept & Keeping Your Tax Refund
Federal Tax Intercept occurs when the Internal Revenue Service takes (intercepts) a tax refund you think you are getting in order to pay off government debt. Federal Student Loans are one such qualifying government debt that can lead to a tax intercept. Often, the IRS will not notify you in advance of the intent to have your tax refund intercepted. You typically find out the hard way when you realize you did not receive your tax refund. Most often, you have received several notices from collection agencies or loan servicers well in advance which may include a warning that a tax intercept is possible.
How Do I Stop A Federal Tax Intercept?
Stopping a Federal Tax Intercept is not easy, but it can be done. The first thing is to get ahead of it by taking action before filing your tax returns. Most often, it requires preparation of several documents, which can be confusing. A trained Student Loan Lawyer like Benjamin Brand can create a strategy with you, prepare and file the necessary documents. Consolidating loans, performing rehabilitation or changing your current arrangement to an Income Driven Repayment plan before things get bad can help to avoid or resolve the default before the federal tax intercept scenario can occur. Some variables that come into consideration when preparing a strategy include:
- Marital Status
- Child Support and Alimony
- Income type and source
Does My Spouse Lose Tax Refunds as Well?
Not necessarily. It depends on the filing status with your spouse. If you file jointly, your spouse has generated enough income that part of the tax refund is theirs and you incur a Federal Tax Intercept, your spouse does have an option. Your spouse can file the Injured Spouse form with the Internal Revenue Service and receive a refund in a proportional amount your tax return justifies as their portion of the refund. This is somewhat discretionary on the part of the IRS as it does not have to agree with the amount you feel your spouse is due. However, the IRS is most likely to go with the refund amounts calculated directly from the tax return. If you do not file joint tax returns, your spouse will most likely not have their tax refund intercepted due to your federal student loan default.
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Do You Have Federal Student Loans in Bankruptcy in Chicago?
Federal Student Loans are not the same as other debts when in bankruptcy. In fact, if you are considering Chapter 13 bankruptcy in Chicago, there are ways to have your federal student loan payments count towards IDR. Do you know how to negotiate this? At Benjamin Brand attorney in Chicago, they do. Ask them about your IDR payment and how to get on an Income Driven Plan if you are not already on one. These plans can lower your monthly payment and lead to alleviating you of any remaining balance after 20, 25 or 30 years depending on your scenario.
How low can my payment be while in bankruptcy
Federal Student Loans can be modified in bankruptcy in Chicago to be as low as $0 or to take priority discriminately meaning that more money goes towards them lowering your payment to credit cards and other debtors so you get more benefit for the federal student loan. This requires modifying the payment schedule you submit with your Chapter 13 bankruptcy through your attorney in Chicago and completing the necessary documents as needed. This is important because your federal student loan is not discharged in bankruptcy and you want your payments during bankruptcy to count towards the final payment requirement. Since your bankruptcy can take up to 5 years, you don’t want that period of time to be disqualified.
This does not mean your Federal Student Loan can get all the money in the plan instead of other debtors while in a Chapter 13 bankruptcy, but bankruptcy in Chicago can account for this disproportionate payment if you use the right bankruptcy expert. Benjamin Brand is one of the rare attorney in Chicago that can do this for you. They know the process and techniques to get your IDR payment to count and have the payment adjusted to be acceptable to the courts. This process is not just about submitting your financial plan but proper negotiation with the trustee.
What is a Trustee
A Trustee is important to the Chapter 13 bankruptcy in Chicago as they are a court-appointed representative who has decision making power to keep the bankruptcy plan fair for all involved. Being able to negotiate with the trustee takes talent and experience as well as an understanding of how everything in bankruptcy relates. A good attorney in Chicago knows this and can maneuver to get you the best financial options in bankruptcy.
Chapter 13 Bankruptcy in Chicago
When filing for bankruptcy in Chicago, you want to make sure you are in Chapter 13 in order to take advantage of the federal student loan payment plan options. A chapter 7 bankruptcy offers you little protection or advantage towards your federal student loan.
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- andre rochat
- andre's
- plaza bank
- ← Marie Callender and Perkins Restaurant Chain File Chapter 11 Bankruptcy
- Patricia Kluge Blows Through $1 billion and Files for Bankruptcy →
- allstate life insurance
- chicago bankrupty attorneys
- general investment and development
- helmut jahn
- naperville
- cook county
- ← Fannie Mae Moves to Foreclose on Apartment Building in Chicago Ridge
- Bankrupt Fraudster Fugitive Heading to Jail →
- chicago cubs
- first personal bank
- lakeview baseball club
- wrigley field
- chapter 7 bankruptcy
- ← MetroWest Building in Naperville Facing Foreclosure
- Divorce Settlement Line Drives the Dodgers into Chapter 11 Bankruptcy →
- $1 billion
- bill moses
- divorce settlement
- kluge winery
- patricia kluge
- ← Congress Proposes Legislation to Allow Private Student Loans to be Dischargeable in Bankruptcy
- Cancer Survivors Face Rising Odds for Filing Bankruptcy →
- date to file claims
- milwaukee archdiocese
- victims of clergy sex abuse
- ← 50-year-old Evergreen Plaza Losing its Vibrancy
- Faces Foreclosure
- Las Vegas’ “Original Celebrity Chef” Files for Bankruptcy Protection →
- cook county circuit court
- foreclosure suit
- j.p. morgan chase bank
- olympia fields
- ← Fashionable Deb Shops File for Chapter 11 Bankruptcy
- Data Center Can’t Stop Foreclosure Virus on Building →
- chevy volt
- ener1
- hink global as
- nissan leaf
- ← Bankrupt Fraudster Fugitive Heading to Jail
- TD Bank Sued by Bankruptcy Trustee Liquidating Rothstein Law Firm →
- bank of america
- block 37 mall
- eastdil secured llc
- state street
- ← Bankruptcy Judge Declares Defense of Marriage Act Unconstitutional
- Spiderman Sued by Bankruptcy Trustee for Poker Winnings →
- aston martin
- bernard madoff
- chicago bankruptc attorneys
- peter madoff
- chicago bankruptcy attorneys
- ← Illinois Bankruptcy Court Facing Eviction from Will County Courts
- Bankruptcy Judge Authorizes Sale of Aston Martin Owned by Peter Madoff →
- defense of marriage act
- doma
- judge donovan
- ← Allerton Hotel Files Chapter 11 to Halt Foreclosure
- Investor Pays Pennies on the Dollar for Portfolio in Chapter 7 Case →
- dan mclean
- illinois bankruptcy
- navy pier
- north pier
- ← Spiderman Sued by Bankruptcy Trustee for Poker Winnings
- Founder of Failed New Century Bank Faces Foreclosure on Personal Condo →
- chris rose
- creditors
- marilyn wade
- martin wade
- rookwood pottery
- ← Site Owner of LTH Forum Files for Personal Bankruptcy
- Florida Couple Forecloses on Bank of America →
- borders
- short sale
- ← Foreclosures Represent 29 Percent of Home Sales in the First Quarter
- Site Owner of LTH Forum Files for Personal Bankruptcy →
- delinquincy
- eviction
- illinois
- ← Florida Couple Forecloses on Bank of America
- Minnesota Auto Dealership Mogul Claims Bad Bankruptcy Advice put Him in Prison →
- federal indictment
- northbrook
- ← Borders Gains More Time to Handle Its Bankruptcy Case
- Five Charged in Mortgage Fraud for North Shore Development →
- florida
- foreclose
- seizure
- chicago
- foreclosures
- ← Industrial Surfacing Corp. of Urbana Files for Chapter 11
- Delinquent Homeowners Stay in their Homes up to 15 Months →
- distressed properties
- ← Battle for Control of Rookwood Pottery Takes a Surprising Turn
- Marie Callender and Perkins Restaurant Chain File Chapter 11 Bankruptcy →
- chicago short sale attorney
- condominium
- faye pantazelos
- new century bank
- real estate crash
- ← Wisconsin Ethanol Pioneers File Bankruptcy with a Debt Load of $100 Million Plus
- Industrial Surfacing Corp. of Urbana Files for Chapter 11 →
- investigation
- bankruptcy court
- ← Owner of Giordano’s Pizza Makes Strange Decisions during Bankruptcy
- Bankruptcy Judge Declares Defense of Marriage Act Unconstitutional →
- joliet
- will county
- ← Illinois Attorney General Expands Probe of Foreclosure “Robosigners”
- Foreclosures Represent 29 Percent of Home Sales in the First Quarter →
- industrial surfacing corp
- rodger ferguson
- urbana
- ← Bankruptcy Restructuring of North Pier Moving Forward
- Lincolnwood’s Purple Hotel is Facing Foreclosure →
- rel financial llc
- smith rothchild
- ← Investor Pays Pennies on the Dollar for Portfolio in Chapter 7 Case
- Wisconsin Ethanol Pioneers File Bankruptcy with a Debt Load of $100 Million Plus →
- donald bae
- lincolnwood
- purple hotel
- ← Founder of Failed New Century Bank Faces Foreclosure on Personal Condo
- MetroWest Building in Naperville Facing Foreclosure →
- castle harlan
- marie callender
- perkins restaurants
- ← Five Charged in Mortgage Fraud for North Shore Development
- Vacant Lots Owned by Gas City to be Auctioned by Bankruptcy Court →
- denny hecker
- trustee
- ← Vacant Lots Owned by Gas City to be Auctioned by Bankruptcy Court
- Illinois Bankruptcy Court Facing Eviction from Will County Courts →
- apostolou
- giordano's
- pizza
- restaurant
- ← Delinquent Homeowners Stay in their Homes up to 15 Months
- Borders Gains More Time to Handle Its Bankruptcy Case →
- gary wiviott
- lth forum
- lthforum
- peter daane
- ← Bankruptcy Judge Authorizes Sale of Aston Martin Owned by Peter Madoff
- Battle for Control of Rookwood Pottery Takes a Surprising Turn →
- bradley ruderman
- hedge fund
- howard ehrenberg
- tobey maguire
- ← Minnesota Auto Dealership Mogul Claims Bad Bankruptcy Advice put Him in Prison
- Owner of Giordano’s Pizza Makes Strange Decisions during Bankruptcy →
- 7-eleven
- gas city
- ← Lincolnwood’s Purple Hotel is Facing Foreclosure
- Illinois Attorney General Expands Probe of Foreclosure “Robosigners” →
- chicago bankrupty lawyer
- david olsen
- ethanol
- paul olsen
- ← Study shows racial variance in Chapter 13 bankruptcy filings
- Huge drop in foreclosed home prices reported in Chicago and many cities nationwide →
- mortgage fraud
- ← Chicago Rabbi Facing Foreclosure on his Gold Coast Home
- Bankruptcy Restructuring of North Pier Moving Forward →
- allerton hotel
- alt hotel llc
- ← Huge drop in foreclosed home prices reported in Chicago and many cities nationwide
- Giordano’s pizza chain owners ordered out of Chicago headquarters →
- ← Illinois legislators take aim at powerful debt collection industry
- With skyrocketing debt
- Chicago hotel files bankruptcy →
- ← Giordano’s pizza chain owners ordered out of Chicago headquarters
- Allerton Hotel Files Chapter 11 to Halt Foreclosure →
- chicago foreclosure
- lubavitch chabad
- rabbi meir chai benhiyoun
- ← Facing life or death
- Illinois charity hospitals brace for closure
- Illinois legislators take aim at powerful debt collection industry →
- chicago bankruptcy
- credit report audit attorneys
- ← Pasquinelli Homebuilding Files for Chapter 7 Bankruptcy
- Credit reporting mishaps cause unwarranted foreclosures →
- ← Another one bites the dust: Orland Park Re/Max franchise to liquidate
- Chicago Rabbi Facing Foreclosure on his Gold Coast Home →
- ← 41 percent drop in mortgage fraud cases
- Another one bites the dust: Orland Park Re/Max franchise to liquidate →
- attorney
- ← Credit reporting mishaps cause unwarranted foreclosures
- Chicago foreclosures drop in March compared to last year but dramatically rise from February →
- Chicago based bankruptcy attorneys
- repossession lawyers
- ← With skyrocketing debt
- Chicago hotel files bankruptcy
- 41 percent drop in mortgage fraud cases →
- ← Chicago foreclosures drop in March compared to last year but dramatically rise from February
- Study shows racial variance in Chapter 13 bankruptcy filings →
- negative equity
- ← Record Number of Americans Living in Poverty
- Not Many Positives To Be Found In Latest Reports About Negative Equity
- Delinquency Rates →
- stan humphries
- zillow
- ← Nobody’s Safe from Foreclosure
- The Invisible Foreclosures →
- sarah duda
- bankruptcy means test
- ← Not Many Positives To Be Found In Latest Reports About Negative Equity
- Delinquency Rates
- Foreclosure ‘Rain Delay’ Coming To an End →
- braxton family values
- grammy award
- tiffany
- toni braxton
- federal trade commission
- ← Supply of Affordable Apartments Not Keeping Up with Demand
- With Copays Rising
- Is Bankruptcy Your Best Medicine? →
- expert legal helpers
- mortgage assistance relief services rule
- ← Foreclosure Destroys House First
- Neighborhood Second
- Knock Knock
- Foreclosure Help Going Door-To-Door →
- black disciples
- calvin shivers
- fbi
- federal bureau of investigation
- jason boone
- national white collar crime center
- vice lords
- white-collar crime
- ← Foreclosure Victims Will Pay More Than $72 Billion in Rent
- Drug Ring Around the White Collar? →
- jonathan martin
- thomas burton
- west wilcox
- realtytrac inc.
- ← Braxton Un-Breaks The Bank
- Will Metra Fare Increase Derail Your Budget? →
- ← The Invisible Foreclosures
- Foreclosure Destroys House First
- Neighborhood Second →
- morgan stanley
- oliver chang
- u.s. homeownership rate
- foreclosure victims
- ← With Inventory Down
- Will Housing Market Ever Look Up?
- Nobody’s Safe from Foreclosure →
- case-shiller
- home price index
- s and p
- ← Proposed HUD Cuts Could Reduce Chicago Foreclosure Help
- With Inventory Down
- Will Housing Market Ever Look Up? →
- illinois department of employment security
- unemployment
- ← Knock Knock
- Foreclosure Help Going Door-To-Door
- The Young and the Homeless →
- arizona
- david crowe
- national association of home builders
- nevada
- single-family housing starts
- ← Drug Ring Around the White Collar?
- Illinois Will Need Jobs to Recover From Housing Crisis →
- circuit court of cook county
- foreclosure mediation program
- gail schechter
- interfaith housing center of the northern suburbs
- ← Home Prices Rise Again
- But Will It Help?
- As Foreclosures Take More Time To Complete
- Is Time Running Out For Those Needing Help? →
- ← Will Metra Fare Increase Derail Your Budget?
- Supply of Affordable Apartments Not Keeping Up with Demand →
- foreclosure prevention
- neighborhood housing services
- nhs
- ← Almost Half of Chicago Area Underwater
- Braxton Un-Breaks The Bank →
- late payments
- transunion
- zillow inc.
- poverty
- ← The Young and the Homeless
- Almost Half of Chicago Area Underwater →
- ← Not For Profit
- But Is NHS For Fraud?
- Do Not Get Tricked Into Paying For Mortgage Help →
- depaul university
- institute for housing studies
- south shore
- South Loop
- ← As Foreclosures Take More Time To Complete
- Is Time Running Out For Those Needing Help?
- Foreclosure Victims Will Pay More Than $72 Billion in Rent →
- appraisal research counselors
- gail lissner
- one museum park west
- richard m. daley
- ← Illinois Will Need Jobs to Recover From Housing Crisis
- Record Number of Americans Living in Poverty →
- 10-year plan to end homelessness
- chicago alliance to end homelessness
- chicago public schools
- ← Foreclosure ‘Rain Delay’ Coming To an End
- Not For Profit
- But Is NHS For Fraud? →
- illinois regional transportation authority
- metra
- ← Illinois Unemployment Rate Hits Double-Digits Again
- Home Prices Rise Again
- But Will It Help? →
- illinois association of realtors
- loretta alonzo
- midwest real estate data llc
- Action NOW
- Bob Fioretti
- Deborah Graham
- ← Mortgage Modification Leaves Shell Of A Home
- Illinois Among Country’s Biggest Losses In Tech Jobs →
- Chicago Teachers Union
- ← How to Survive Garnishment in Illinois
- College Grads Learning Truth About Student Loans In Bankruptcy →
- student loan debt
- ← Chicago Business Owners More Pessimistic Than Optimistic
- Your Housing Market Concerns Are Justified →
- bachelor’s degree
- Institute for Financial Literacy
- Sallie Mae
- The Institute for College Access and Success
- ← Your Housing Market Concerns Are Justified
- Two Different Foreclosure Plans Get Two Different Reactions →
- CBOE
- Chicago Board Options Exchange
- Chicago Mercantile Exchange
- CME
- Stand Up Chicago
- ← Unemployment Tax Hikes Hurt The Employers
- Mortgage Modification Leaves Shell Of A Home →
- consumer spending
- GDP
- gross domestic product
- ← Will More Startups Lead To More Hiring?
- Making Foreclosures Strategic →
- Illinois Home Equity Assurance Act
- Illinois House Speaker Michael Madigan
- Kenneth Pannaralla
- Southwest Home Equity Assurance Program
- Standard and Poor’s
- ← State Sues Mortgage Rescue Companies For Not Rescuing
- Unemployment Tax Hikes Hurt The Employers →
- Case-Schiller
- ← Making Foreclosures Strategic
- Proposed HUD Cuts Could Reduce Chicago Foreclosure Help →
- ← In Volatile Housing Market
- Fixed Mortgage Rates Hit Record Lows
- Chicago Business Owners More Pessimistic Than Optimistic →
- 401(k)
- IRA
- wage garnishment
- ← Aldermen
- Teachers Seek Safe Passages
- Illinois To Provide $78 Million To Help Banks
- Lenders →
- TechAmerica Foundation
- ← Illinois Among Country’s Biggest Losses In Tech Jobs
- In Volatile Housing Market
- Fixed Mortgage Rates Hit Record Lows →
- Department of Commerce and Economic Opportunity
- Gov. Pat Quinn
- Lenders
- ← Illinois To Provide $78 Million To Help Banks
- How to Survive Garnishment in Illinois →
- 30-year fixed mortgage
- ← Home Agency Director Took Interest-Free Loans Despite State Law
- Housing Starts Surge in September
- But Not Enough to Single Recovery →
- Northwestern University
- strategic defaulters
- University of Chicago
- ← GDP Growth Is Weak
- But Improved
- Aldermen
- Teachers Seek Safe Passages →
- Greentree Mortgage
- Washington Mutual
- ← Housing Starts Surge in September
- But Not Enough to Single Recovery
- Illinois Unemployment Rate Hits Double-Digits Again →
- hud
- u.s. department of housing and urban development
- u.s. house of representatives
- ← Foreclosure Process Slowing Down
- But Not Going Away
- State Sues Mortgage Rescue Companies For Not Rescuing →
- Lisa Madigan
- ← Renting Still Preferred To Buying
- But Experts Warn Descent Is Imminent →
- Anita Alvarez
- Illinois Attorney General
- ← Could 25 Cents Bring 40
- 000 Jobs To Chicago?
- Will More Startups Lead To More Hiring? →
- City Council
- Mayor Rahm Emanuel
- Pat Dowell
- tax increment financing
- But Experts Warn Descent Is Imminent
- GDP Growth Is Weak
- But Improved →
- ← Two Different Foreclosure Plans Get Two Different Reactions
- Home Agency Director Took Interest-Free Loans Despite State Law →
- Chicagoland Entrepreneurial Center
- ← College Grads Learning Truth About Student Loans In Bankruptcy
- Could 25 Cents Bring 40
- 000 Jobs To Chicago? →
- Doug Duncan
- Mortgage Bankers Association
- bankruptcy information
- ← Teachers Want CPS To ‘Turn Up The Pressure’ On Banks
- Stop Foreclosures
- Spire Developer’s Gold Coast Home Faces Foreclosure →
- Chapter 7 process
- ← Chicago One Of Five ‘Choice Neighborhoods’
- New Home Construction Suffers Alongside Struggling Housing Market →
- ← Real Estate Industry Continues To Suffer
- Lawyers Could Challenge Chicago Foreclosure Law →
- ← Suburban Exodus Regions Now Among Hardest Hit By Housing Downturn
- Teachers Want CPS To ‘Turn Up The Pressure’ On Banks
- Stop Foreclosures →
- ← Consumer Confidence Hits Lowest Level In More Than 2 Years
- Chicago One Of Five ‘Choice Neighborhoods’ →
- Chapter 7 bankruptcy information
- ← Chicago Home Prices Rise For Month
- $196K In HUD Funds To Be Used For Foreclosure Prevention Counseling →
- ← Spire Developer’s Gold Coast Home Faces Foreclosure
- Chicago Home Prices Rise For Month →
- bankrutpcy means test
- consumer confidence
- ← Lenders
- Lawyers Could Challenge Chicago Foreclosure Law
- Unfit Finances Shuts Down Lakeshore Athletic Club’s Power →
- Gino’s East
- ← Home Sales Increase While Prices Decrease
- Home Sales Increase While Prices Decrease →
- credit card default
- Experian
- ← Proposed Bill Would Eliminate Property Tax Increases
- Illinois Ranked Among Worst Business Climates →
- U.S. Attorney’s Office
- Renting Still Preferred To Buying →
- ← Credit Card Default Rates Drop In Chicago
- Foreclosure Process Slowing Down
- But Not Going Away →
- ← Illinois Ranked Among Worst Business Climates
- Credit Card Default Rates Drop In Chicago →
- President Barack Obama
- ← Feds Pick On Poor And Powerless
- ← Chicago Area’s Most Expensive Home Going To Auction
- Could Chapter 11 Deliver Giordano’s To Competitor? →
- Chicago City Council
- ← $196K In HUD Funds To Be Used For Foreclosure Prevention Counseling
- Real Estate Industry Continues To Suffer →
- ← Unfit Finances Shuts Down Lakeshore Athletic Club’s Power
- Feds Pick On Poor And Powerless →
- Jack Franks
- ← New Home Construction Suffers Alongside Struggling Housing Market
- Chicago Area’s Most Expensive Home Going To Auction →
- ← $16 Million In Foreclosure Funds Still Available
- Consumer Confidence Hits Lowest Level In More Than 2 Years →
- affordable bankruptcy now
- chicago spire
- end creditor harassment
- ← Chicago Developer Facing Another Foreclosure Suit
- $16 Million In Foreclosure Funds Still Available →
- ← Could Chapter 11 Deliver Giordano’s To Competitor?
- Proposed Bill Would Eliminate Property Tax Increases →
- Lakeshore Athletic Club
- Millennium Park
- debt collectors
- automatic stay
- ← Durbin Looking to Help Students Who ‘Have No Idea What They’re Getting Into’
- FTC Complaints About Debt Collectors Have Increased 73 Percent Since 2008 →
- hhgregg
- ← Chicago-area Foreclosures Higher Than Last Year as Lenders Tackle Backlog
- Homeowners in Foreclosure Demand Moratorium on Evictions →
- acute myeloid leukemia
- suleika jaouad
- ← Mother of Pint-Sized Gymnast Had Olympic-Sized Debt
- Bankruptcy Helps Sick People Who Did Not Plan on Getting Sick →
- ← Proposed Ordinance Could Help Renters
- Reduce Vacancies
- How One Family Wiped Out $1
- 200 in Credit Card Debt
- Saved $575 in Interest →
- better business bureau
- legal helpers debt resolution llc
- credit card debt
- ← Is Robo-Signing Sequel Being Put on Plastic?
- 30 Million Americans Dealing with Debt Collection Industry →
- dick durbin
- elmhurst college
- tom harkin
- ← 30 Million Americans Dealing with Debt Collection Industry
- With Medical Bills
- dateline nbc
- ← Bankruptcy Helps Sick People Who Did Not Plan on Getting Sick
- Is Robo-Signing Sequel Being Put on Plastic? →
- thomas dart
- toni preckwinkle
- ← Debt Settlement Firm Will Refund $2.1 Million to Illinois Customers
- Teens Need to Learn Dangers of Credit Cards Before Heading Off to College →
- survive this economy
- ← Homeowners in Foreclosure Demand Moratorium on Evictions
- Durbin Looking to Help Students Who ‘Have No Idea What They’re Getting Into’ →
- ← Russell Brand’s Father Faces Bankruptcy For Unpaid Rent
- Chicago-area Foreclosures Higher Than Last Year as Lenders Tackle Backlog →
- gabby douglas
- kellogg’s corn flakes
- russell brand
- ryan lochte
- ← The Underwhelming Results of Foreclosure Outreach
- Debt Settlement Firm Will Refund $2.1 Million to Illinois Customers →
- chapter 7 bankrtuptcy
- chicago aldermen
- lawyers’ committee for better housing
- ← Teens Need to Learn Dangers of Credit Cards Before Heading Off to College
- Mother of Pint-Sized Gymnast Had Olympic-Sized Debt →
- ← How One Family Wiped Out $1
- Saved $575 in Interest
- Russell Brand’s Father Faces Bankruptcy For Unpaid Rent →
- credit card act
- ← How a $140 Sewer Bill Could Cost New Jersey Plumber More Than $50
- 000
- Proposed Ordinance Could Help Renters
- Reduce Vacancies →
- government accountability office
- new york city department of education
- office of the comptroller of the currency
- ← Q&A with a Chicago Bankruptcy Attorney–Borrowing from a 401(k)
- ← Chicago Bankruptcy Attorney Weighs in On Decreased Filings
- Q&A With A Chicago Bankruptcy Attorney →
- creditor harassment
- ← Chicago Bankruptcy Lawyer Reflects on Detroit Financial Crisis
- Chicago Bankruptcy Attorney Evaluates Options for Student Loan Debt →
- ← Chicago Bankruptcy Attorney Critical of Hostess’s Business Practices
- Q&A with a Chicago Bankruptcy Attorney–Borrowing from a 401(k) →
- ← Repairing Your Credit after Bankruptcy
- Chicago Bankruptcy Attorney Appalled at Creditor Harassment →
- ← Chicago Bankruptcy Lawyer Supports Senator-Elect Warren
- Chicago Bankruptcy Lawyer Reflects on Detroit Financial Crisis →
- ← Chicago Bankruptcy Attorney Weighs In on Looming Fiscal Cliff
- Chicago Bankruptcy Attorney Critical of Hostess’s Business Practices →
- ← Chicago Bankruptcy Lawyer Warns of Tax Complications After Filing
- Chicago Bankruptcy Attorney Weighs In on Looming Fiscal Cliff →
- chocago bankruptcy lawyer
- ← Q&A With A Chicago Bankruptcy Attorney
- Chicago Bankruptcy Lawyer Supports Senator-Elect Warren →
- ← Chicago Bankruptcy Attorney Evaluates Options for Student Loan Debt
- Chicago Bankruptcy Attorney Addresses Financial Struggles Athletes Face →
- ← Chicago Bankruptcy Attorney Appalled at Creditor Harassment
- Chicago Bankruptcy Lawyer Warns of Tax Complications After Filing →
- chicago bankrutcy attorneys
- struggling with debt
- ← Breaking Down Chicago Bankruptcy: Is Filing Your Best Option?
- Chicago Bankruptcy Attorney Weighs in On Decreased Filings →
- ← Famous Bankruptcies: Mike Tyson
- Three Car Options in Chapter 7 →
- car loans
- cramdown
- ← Three Car Options in Chapter 7
- How a $140 Sewer Bill Could Cost New Jersey Plumber More Than $50
- 000 →
- black friday
- mark twain
- whiskey ring
- ← Famous Bankruptcies: Ulysses S. Grant
- The Underwhelming Results of Foreclosure Outreach →
- national consumer law center
- ← Cramming Down Car Loans in Chapter 13
- Famous Bankruptcies: Ulysses S. Grant →
- reaffirmation
- redemption
- surrender
- ← Chapter 7 and Chapter 13 Bankruptcies
- What Does Elizabeth Warren Appointment to Banking Committee Mean for Chicago Bankruptcy? →
- ← What Does Elizabeth Warren Appointment to Banking Committee Mean for Chicago Bankruptcy?
- Repairing Your Credit after Bankruptcy →
- ← Healthcare Costs
- Medical Debt and Bankruptcy
- Bankruptcy Filings Down in 2012; Chicago Bankruptcy Attorney Hopes it is Sign of Improving Economy →
- ← Four Things to Remember About FTC Rules on Debt Relief
- Obama Tweaks ‘Pay as You Earn’ Program →
- ← Will Congress Adjust the AMT to Avoid Fiscal Cliff?
- Healthcare Costs
- Medical Debt and Bankruptcy →
- ← Mayor Emanuel Critical of Governor Quinn Appointee Who Filed Bankruptcy
- Creditors of Student Loans Go after Co-Signers →
- debt settlement plans
- federal reserve
- ← Do Not Lose Sight of Financial Obligations during Divorce
- Chapter 7 and Chapter 13 Bankruptcies →
- medical bankruptcies
- ← Which Workers Will Be Commanding Higher Incomes in 2013?
- Four Things to Remember About FTC Rules on Debt Relief →
- chicago mayor rahm emanuel
- governor pat quinn
- ← Creditors of Student Loans Go after Co-Signers
- Will Congress Adjust the AMT to Avoid Fiscal Cliff? →
- ← More Consumers Refuse to Be Cleaned Out by ‘Messy Business’ of Debt Collection
- Which Workers Will Be Commanding Higher Incomes in 2013? →
- medical bills
- obamacare
- patient care and affordable care act
- president obama
- ← Bankruptcy Filings Down in 2012; Chicago Bankruptcy Attorney Hopes it is Sign of Improving Economy
- Breaking Down Chicago Bankruptcy: Is Filing Your Best Option? →
- ← Obamacare May Reduce Some Large Medical Bills
- But Not Everybody Can Be Protected
- Mayor Emanuel Critical of Governor Quinn Appointee Who Filed Bankruptcy →
- mortgage payments
- pay boost
- salary increases
- ← Obama Tweaks ‘Pay as You Earn’ Program
- Do Not Lose Sight of Financial Obligations during Divorce →
- ← Nearly One in Five Households Carrying Student Loan Debt
- New Tool Helps Consumers Manage Credit Card Debt
- Save Interest →
- american express
- unlawful late fees
- ← Illinois AG Calls Attention to Foreclosure Assistance Programs
- Sinking Incomes No Help for Underwater Homeowners →
- corelogic
- underwater
- ← Medical Bills Force US Congressman to Sell DC House
- Nearly One in Five Households Carrying Student Loan Debt →
- blue cross blue shield
- medical expenditure panel survey
- ← New Tool Helps Consumers Manage Credit Card Debt
- Save Interest
- Foreclosures Pushing Down Home Values
- Nearly 250K Underwater →
- illinois hardest hit fund
- ← Survey Shows Happy Holidays Ahead for Seasonal Workers
- ‘Rich Dad
- Poor Dad’ Author Files for Chapter 7 Bankruptcy →
- charles schumer
- holiday shopping season
- layaway fees
- ← New Study Says Equipping Mortgage Servicers Better Could Have Prevented 800K Foreclosures
- High Costs of Getting Well Leaves Millions Worried Sick About Medical Bills →
- health care expenses
- jesse jackson jr
- ← US on Pace for 70 Percent Increase in Foreclosure Rescue Scams in 2012
- Obamacare May Reduce Some Large Medical Bills
- But Not Everybody Can Be Protected →
- garnish wages
- moody’s analytics
- ← High Costs of Getting Well Leaves Millions Worried Sick About Medical Bills
- American Express Will Pay $112.5 Million For Deceiving Customers →
- pew research center
- ‘Hidden Time Bomb’ Could Leave Thousands of Homeowners with Hefty Tax Bill
- Medical Bills Force US Congressman to Sell DC House →
- dan rather reports
- home affordable modification program
- home loans from hell
- ← American Express Will Pay $112.5 Million For Deceiving Customers
- Illinois AG Calls Attention to Foreclosure Assistance Programs →
- cardhub.com
- ← Layaway Looks Attractive
- But Many Plans Can Cause Ugly Problems
- US on Pace for 70 Percent Increase in Foreclosure Rescue Scams in 2012 →
- oprah winfrey
- robert kiyosaki
- the learning annex
- ← Foreclosures Pushing Down Home Values
- Nearly 250K Underwater
- Survey Shows Happy Holidays Ahead for Seasonal Workers →
- ← Sinking Incomes No Help for Underwater Homeowners
- Layaway Looks Attractive
- But Many Plans Can Cause Ugly Problems →
- christmas
- holiday employment
- seasonal workers
- snagajob
- ← ‘Rich Dad
- Poor Dad’ Author Files for Chapter 7 Bankruptcy
- More Consumers Refuse to Be Cleaned Out by ‘Messy Business’ of Debt Collection →
- dupage homeownership center
- financial crimes enforcement network
- foreclosure rescue scams
- legal aid society of metropolitan family services
- ← Homeowners Over 50 Being Hit Hard by Foreclosure
- What Will Higher Food Prices Mean For You? →
- institute of government and public affairs
- university of illinois
- consumer financial protection bureau
- ← What Will Higher Food Prices Mean For You?
- Trap Doors Being Exploited In Cards ‘Designed To Be a Safety Net’ For Consumers →
- ← With Medical Bills
- ‘Patients Who Can Least Afford It Often Get The Highest Bills’
- More than 5
- 000 Illinois Homeowners Receive Over $357 Million in Relief →
- affordable care act
- department of health and human services
- scribner insurance
- ← Is Your New Job Making it Harder to Pay Bills?
- Homeowners Facing Foreclosure Should Know Three Benefits to Chapter 7 →
- bank repossessions
- default notices
- foreclosure auctions
- ← Homeowners Facing Foreclosure Should Know Three Benefits to Chapter 7
- New Study Says Equipping Mortgage Servicers Better Could Have Prevented 800K Foreclosures →
- mortgage debt forgiveness act
- principal reduction
- ← Foreclosure Filings Increase Nearly 150 Percent from Last Year
- ‘Hidden Time Bomb’ Could Leave Thousands of Homeowners with Hefty Tax Bill →
- tax liability
- ← More than 5
- 000 Illinois Homeowners Receive Over $357 Million in Relief
- Are You Tired of Being ‘Stuck in Slow-Growth Mode’? →
- aarp public policy institute
- ← Trap Doors Being Exploited In Cards ‘Designed To Be a Safety Net’ For Consumers
- Foreclosure Filings Increase Nearly 150 Percent from Last Year →
- great recession
- mortgage payment
- national employment law project
- ← Five Tips to Help Avoid High Medical Bills
- Homeowners Over 50 Being Hit Hard by Foreclosure →
- attorney general lisa madigan
- national mortgage foreclosure settlement
- ← Credit Card Debt
- Borrowing Fall as CFPB Takes Aim at Add-On Costs
- Is Your New Job Making it Harder to Pay Bills? →
- green dot corp
- prepaid cards
- ← Are You Tired of Being ‘Stuck in Slow-Growth Mode’?
- Borrowing Fall as CFPB Takes Aim at Add-On Costs →
- david frum
- food prices
- thanksgiving
- us agriculture department
- ← FTC Complaints About Debt Collectors Have Increased 73 Percent Since 2008
- Five Tips to Help Avoid High Medical Bills →
- American College of Physicians
- Federal Student Loans