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Mount Pleasant Bankruptcy Blog
Posted on Feb 15, 2013
Debt Collectors are out of control. These are some of the foulest human beings walking the planet. And they routinely breach your rights. Below the fold is the entire text of the Federal Fair Debt ...
Continue reading "Fair Debt Collection Practices Act" »
Posted on Feb 15, 2013
This post includes the full text of the Fair Credit Reporting Act. Read it at your own risk. Application of the Fair Credit Reporting Act is difficult even for attorneys. Most tend to refer these ...
Continue reading "Fair Credit Reporting Act" »
Posted on Feb 12, 2013
As news from the February 10th 60 Minutes piece generates headlines across the country, we at Traywick Law Offices ask: "How can this be a surprise to anyone?" That the credit ...
Continue reading "60 Minutes Torches Experian, Equifax, and Transunion" »
Posted on Nov 9, 2012
Suppose you are buying a car or you are trying to get a mortgage on a piece of property. Both are situations in which a consumer's credit score is crucial to the transaction. Your credit record ...
Continue reading "Credit Report Errors and Credit Reporting Violations" »
Posted on Jul 21, 2012
If you own an investment property financed by Bank of America or serviced by Bank of America, you may be in luck if the property is now underwater, worth less than what is owed, or otherwise ...
Continue reading "Strategic Default on Second Mortgage: The Bank's Perspective" »
Posted on Jul 21, 2012
FIA Card Services and Discover Bank are suing South Carolina residents left and right on charged off credit card debt. Two law firms are very active representing both companies against South Carolina ...
Continue reading "Timing Credit Negotations and Credit Card Lawsuits" »
Posted on Apr 21, 2012
This law practice talks to many people about their financial situation. Frequently, those consultations involve folks who have borrowed too much money, primarily credit card debt, and can no longer, ...
Continue reading "Too Much Credit Card Debt? Start Here And Avoid Bankruptcy" »
Posted on Mar 27, 2012
The office has been absolutely pummeling Citimortgage and Bank of America on second mortgages those institutions foolishly extended on properties that are now underwater. Essentially, the office has ...
Continue reading "Credit Negotiation Attorney Having Outstanding Success Hammering Underwater Second Mortgages" »
Posted on Mar 27, 2012
These offices will not try to mislead anyone into thinking getting a loan modification is a sure thing or even probable, but when you need one or you lose your property, you should retain local ...
Continue reading "Use an Attorney to Secure a Loan Modification" »
Posted on Feb 19, 2012
YOUR LOAN AS A CONTRACT In any contract, and your mortgage is a contract, there are at least two parties. Parties to a contract offer what is known as 'consideration' in support of the other ...
Continue reading "Mortgage Loans in the Land of Oz: Who Owns Your's?" »
Posted on Feb 19, 2012
Your real estate agent can be relied upon to do one thing and one thing only: push aggressively for a short sale of your property. Sometimes that is good but many times a short sale is not in your ...
Continue reading "Real Estate Agent Clowns" »
Posted on Feb 19, 2012
This office has several clients who unfortunately paid money to a company who has sold them a service or product called a 'forensic loan audit'. Some of these people actually sell ...
Continue reading "More Hyenas! Forensic Mortgage Loan Audits are a Joke" »
Posted on Feb 19, 2012
This office has noted a marked increase in the number of borrowers seeking advice regarding their prospects of successfully walking away from loans on Myrtle Beach condos and other properties that are ...
Continue reading "Upside Down Condos: Myrtle Beach & South Carolina" »
Posted on Jul 3, 2011
The below listed companies are the biggest servicers on the planet. Chances are, even if your loan is owned by a securitization trust issued by a private label or a GSE like fannie or freddie, that ...
Continue reading "Top 12 Mortgage Loan Servicers Suing for Foreclosure" »
Posted on Jul 3, 2011
Are you asking yourself whether it makes sense to stay in your house when it is upside down and underwater? Are you wondering whether it is rational to keep making payments on an investment property ...
Continue reading "Numbers Games: Cost/Benefit Analyses - Factors Influencing the Decision to Walk Away (Strategic Default)" »
Posted on Jul 2, 2011
Citimortgage Foreclosure Lawsuits / Citimortgage Strategic Defaults / Walking Away From Citimortgage Loan This blog post will elaborate on the risks of going it alone and the benefits of consulting ...
Continue reading "CitiMortgage is a Good Target for Strategic Defaults and Foreclosure Defense" »
Posted on Jun 23, 2011
I have this day seen a mortgage loan modification contract, executed by a loan servicer, in favor of the mortgagor, reducing the monthly payments on an existing loan for a three year period. After the ...
Continue reading "Bank of America and Its Stooge Lawyers" »
Posted on Jun 22, 2011
This blog post is purely informational. It simply identifies the top credit card issuers in the United States. Chances are that if you are being sued by a credit card company, or a debt collector is ...
Continue reading "Top Credit Card Issuers" »
Posted on Jun 22, 2011
UNDERSTANDING THE COLLECTION AGENCY In order to deal effectively with a Collection Agency (“CA”), one must get inside its head and understand its psychology. Only then can one successfully ...
Continue reading "Understanding Debt Collection Agencies" »
Posted on Jun 22, 2011
This is a long, tedious post. But chances are that if someone is blowing up your phone trying to collect a debt, that debt collector might be on this list. Check it and see. Here is a pdf listing ...
Continue reading "Debt Collectors Database - Is Someone On This List Blowing Up Your Phone? Call Us." »
Posted on Jun 21, 2011
Warchesting is another concept we've been developing at Traywick Law Offices. Warchesting, as we affectionately refer to it, can be extremely successful for people who have fallen behind but want ...
Continue reading "'Warchesting'" »
Posted on Jun 21, 2011
In this post, we described a Home Run whereby a second lien was negotiated for 10% of what was owed. What follows is a description of a Grand Slam we hit on behalf of a particularly down on her luck ...
Continue reading "Grand Slam: Second Mortgages in Strategic Default Context Case Two" »
Posted on Jun 21, 2011
This will be our first blog entry permitting viewer comments and questions. If you ask a question we will make our best efforts to respond to it in a timely fashion. This post will address an emerging ...
Continue reading "Hitting a Home Run: First and Second Mortgages in Strategic Default Context Case 1" »
Posted on May 6, 2011
We all know that credit card companies are trashy. What follows is a time-line of what normally happens when you stop paying your credit card: 1. Junk mail and annoying telephone calls for first 90 ...
Continue reading "Defending Against Credit Card Companies" »
Posted on May 6, 2011
You will please note that a few days ago I posted a blog in which I described the biggest problems I have been experiencing in my dealings with law firms that represent the banks in foreclosure ...
Continue reading "Supreme Court Directive" »
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