An article in the July 26, 2008 Washington Post, “What Gets Left Behind,” talks about one side of the human cost when a house goes to foreclosure. As the owner of a company that cleans out foreclosed homes, Troy Hughes notes:
I remember that kid’s balloon was still inflated, like someone had just had a birthday […]

Over on the Bankruptcy Law Network, I have been writing a series of blogs on Senators Obama and McCain’s positions on bankruptcy. The results may surprise you.
The articles may be found by clicking on the links:
Obama vs. McCain on BankruptcyObama and McCain’s Votes on Bankruptcy AmendmentsBarack Obama on BAPCPABarack Obama on Bankruptcy/Credit Reform

Discounted Replica […]

When Governor O’Malley signed into law changes to Maryland’s foreclosure laws effective on April 4, 2008, new foreclosure filings stopped. Although the new law’s changes were, in most instances, more cosmetic than substance (see my article on the Mortgage Law Network, “Changes to Maryland Foreclosure Law: Steak or Sizzle?“) they contained provisions that resulted in […]

According to an article on the US Trustee website, random debtor audits, which were halted in January 2008 due to budgetary problems, will resume on May 12, 2008. The only change appears to be that instead of randomly auditing one out of each 250 cases filed, the UST will audit one out of each 1,000 […]

We’re often asked by new clients what we actually do for them. I thought I’d put a list together:

We let you answer your phone without your heart seizing with fear that it’s someone calling to collect a bill.
We give you room in your mailbox for birthday cards instead of bills.
We let your answering machine be […]

I’ve taken over a number of cases where a debtor prepared and filed the various bankruptcy documents without the help of an attorney–what is called filing pro se or pro per. Apart from the fact that the schedules generally have to be completely redone (the exemptions are usually wrong, debts are not listed, assets are […]

While traditionally, Maryland has not been the most homeowner-friendly state in terms of its foreclosure procedures, things have gotten far worse with the deepening of the mortgage crisis. According to State officials, Maryland has jumped from No. 40 to No 15 in foreclosures nationally. A recent article in The Washington Post summarizes the recommendations of […]