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Most federally backed mortgage lenders are required to provide annual statements regarding the status of each escrow account it services under §2609(c)(2) of the Real Estate Settlement Procedures Act. While this section tells mortgage servicers what to do, §1024.17...
So you fell behind on your credit card payments and now the credit card lender has sued you. While you should prepare for a defense as soon as possible, this blog may have reached you too late and now they have entered a judgment against you. If the suit was filed...
If you own your home or any other real estate in Pennsylvania, your county, municipality and school district probably assess a real estate tax. For example, if you live in Harrisburg, you will be assessed a real estate tax by Dauphin County, the City of Harrisburg and...
On August 24, 2022, the U.S. Department of Education announced targeted student debt cancellation programs to address the continuing impact of COVID-19 on borrowers' income. The program cancels debt held by the Department of Education (click here and sign in to see if...
In the last blog, we explored legal safeguards in place to protect your residence from foreclosure. This blog will explore remedies beyond legal safeguards within foreclosure litigation to save your home. So even if you cannot cure all of the arrears prior to a...
Estate planning is important for everyone, but it's especially important for those with loved ones who may be dependent on them. One of the most important estate planning documents is a beneficiary designation. What is a beneficiary designation? A beneficiary...
A man’s (or woman’s) home is his (or her) castle. In recognition of this adage, Pennsylvania state law provides various protections to homeowners when marauders (including mortgage companies) attack. While most of the rights and obligations of the parties are...
If the Loan Simulator indicates that you will do better with an income-driven repayment (IDR) plan, you still have plenty of options. The following options are available: Revised Pay As You Earn Repayment (REPAYE) Plan Participants pay 10% of their discretionary...
So, you are beyond the need for a deferment or forbearance in your student loan payments and now you are looking for a long-term solution to paying your student loan balance. Most of your federal student loans offer several options for repayment depending upon your...
If you do not qualify for a deferment as we discussed in our last blog, you may qualify for a forbearance. Optional forbearances for direct, FFEL loans and Perkins loans can be granted in the discretion of the servicer for: financial difficulties medical expenses...
