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| free debtor education course: The Debt Life Chad Van Horn, 2020-01-15 Lessons learned from assisting more than 50,000 people with over one billion dollars of debt |
| free debtor education course: How to File for Bankruptcy Stephen Elias, Albin Renauer, Robin Leonard, 1998 Every year, more than a million people file for bankruptcy. This book gives them a clear and complete overview of the bankruptcy process, explains the repurcussions of filing for Chapter 7 bankruptcy and provides step-by-step instructions and all the forms necessary to file. It clearly outlines what debts can and cannot be eliminated in bankruptcy, what property debtors risk losing, how to protect assets and rebuild credit and how to deal with aggressive credit card companies seeking speedy credit repayment. State-by-state exemption tables included. |
| free debtor education course: Debt management Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee, 2012-03-07 This report highlights four main areas of ongoing concern relating to debt management: regulation of consumer debt, payday loans, debt management companies and the Money Advice Service. It makes a number of recommendations for future Government action including reforms for higher licensing fees to be charged for higher-risk credit businesses, for a fast track procedure be put in place to suspend credit licenses, and for the new regulator be given the power to ban harmful products. The Financial Services Bill did little to clarify the way in which the consumer credit market is to be regulated. The Committee also wants be certain that the payday loan industry adheres to the highest standards - either through the codes of practice that are currently being developed or, failing that, by the new regulator. Regulations also need to be introduced to ensure that debt management companies publish the cost of their debt advice and their outcomes, if an agreement cannot be reached during discussions with the industry. Furthermore, effective auditing of debt management companies' client accounts needs to be established. The Money Advice Service needs to provide details of its business plan. Given that the legal aid budget for such services is being cut by 75% the Minister's assertion that there will be no diminution of face-to-face debt advice is confusing. The Money Advice Service will be up and running by April and yet its remit, and in particular its relationship with highly respected brands such as Citizens Advice, remains unclear |
| free debtor education course: Surviving Debt , 2024 |
| free debtor education course: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| free debtor education course: Medical Debt United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Administrative Oversight and the Courts, 2010 |
| free debtor education course: Everyday Money for Everyday People Todd Christensen, 2013-11-04 The Powerful, Practical Money Guide for Anybody and Everybody Ready to Swap Financial Insecurity for Financial Stability AND Success. LIVING PAYCHECK TO PAYCHECK? CHECK THIS OUT: Everyday Money for Everyday People stands on the shoulders of the great American tradition begun more than three centuries ago with Poor Richard's Almanac. After facilitating nearly a thousand workshops on the fundamentals of effective money management over the past decade, Todd Christensen based his first book, Everyday Money for Everyday People, on the discussions, tips, stories and ideas shared by the thousands of individuals and couples in attendance. It's a financial guidebook of the people, by the people, and for the people. This book is based on what works for everyday people. Saving is a commitment, not an amount! Inside you'll find:-Day-to-day money topics-Dos for building financial stability-Don'ts for minimizing financial stress-Steps to breaking out of the paycheck-to-paycheck spiral-Scores of inspirational financial quotes, stories and illustrations for you to live by |
| free debtor education course: American Default Sebastian Edwards, 2019-09-10 The untold story of how FDR did the unthinkable to save the American economy. |
| free debtor education course: Financial Peace Dave Ramsey, 2002-01-01 Dave Ramsey explains those scriptural guidelines for handling money. |
| free debtor education course: How to Get Credit After Filing Bankruptcy Mitch Wakem, 2007 According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates. In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. |
| free debtor education course: Master Your Debt Jordan E. Goodman, Bill Westrom, 2010-01-26 Strategies and tools to live debt free The world of borrowing and debt management has changed dramatically, leaving people confused about how best to secure their financial future. This book is the only guide with detailed advice to help you become debt free or master the debt you have, based on the latest laws and new government programs and policies implemented under the Obama administration. Is the information and advice on debt management different than in years past? Definitely. In this savvy, engaging guide, bestselling financial expert Jordan Goodman will tell you how to Win the mortgage game: avoid foreclosure, obtain the best refi, and modify your mortgage even if it is under water Clean up your credit report and dramatically boost your credit score Negotiate new terms and payments for burdensome medical bills, student loans, and credit cards Protect yourself from the devastation of identity theft Master the new credit card rules, and avoid the rate and fee traps Learn a revolutionary strategy that will help you become mortgage free in 5 to 7 years, change the way you pay all your bills, and save hundreds of thousands of dollars Master Your Debt recommends many pioneering strategies as it lays out an innovative plan for achieving the elusive goal of financial success. The book is filled with helpful web sites, toll free numbers, associations and government agencies, and vetted companies and services to help you implement this advice. In today's volatile economy, getting out of debt is the key to surviving and thriving, and author Jordan Goodman provides you with the strategies and tools to live debt free. |
| free debtor education course: Open Book Barry Friedman, John C.P. Goldberg, 2016-04-15 Open Book: The Inside Track to Law School Success, 2E is a book that every JD and LLM law student needs to read, either before classes start or as they get going in their 1L year. Now in an expanded second edition, the book explains in a clear and easygoing, conversational manner what law professors expect from their students both in classes and exams. The authors, award-winning teachers with a wealth of classroom experience, give students an inside look at law school by explaining how, despite appearances to the contrary, classes connect to exams and exams connect to the practice of law. Open Book introduces them to the basic structure of our legal system and to the distinctive features of legal reasoning. To prepare students for exams, the book explains in clear and careful detail what exams are designed to test. It then devotes a single, clearly written chapter to each step of the process of answering exams. It also contains a wealth of material, both in the book and digitally, on preparing for exams. Finally, and perhaps most importantly, Open Book comes with a free suite of 18 actual law school exams in Civil Procedure, Constitutional Law, Contracts, Criminal Law, Property and Torts, written and administered by law professors. These exams include not only questions, but: (1) annotations from the professors explaining what they were looking for; (2) model answers written by the professors themselves; and (3) actual student answers, with professor comments that explain why certain answers were stronger of weaker. As Open Book explains, there is no better way to prepare for exams than by practicing, and these unique materials will enable students to get the most out of their pre-exam practice. |
| free debtor education course: Legal Scholar’s Guidebook Elizabeth E. Berenguer, 2020-02-03 The Legal Scholar’s Guidebookdemystifies academic legal writing by providing concrete advice on topic selection, research strategies, and analytical frameworks. It is an essential resource for any serious legal scholar. Nascent scholars will find it a reassuring guide through a demanding process and experienced scholars will find it a source of encouragement. Wherever you are on your scholarly journey, the Guidebook is your compass. Scholars will benefit from: Chapter Brainstormsthat contain Questions guiding entry into stages of the research and writing process. Squelch the Impostor tips that include advice to manage stress inherent at each stage of the research and writing process. Specific assignments to methodically guide the scholar through each stage. Examples, Guides, and Checklists that provide samples to help the scholar understand expectations at each stage. |
| free debtor education course: Individual Income Tax Returns for ... , 1937 |
| free debtor education course: The Debt Escape Plan Beverly Harzog, 2015-02-18 Advice on how to liberate yourself—and take control of your financial future—from the author of Confessions of a Credit Junkie. Winner of the American Society of Journalists and Authors Outstanding Book Award, Self-Help category If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte—and cut up all your credit cards—this is the book for you. Former credit junkie Beverly Harzog racked up thousands in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional personal finance advice didn’t work for her. So she created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years. In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer—and stay out of—credit-card debt. You’ll learn: Why a one-size-fits-all approach to credit card debt doesn’t work How to use the Money Personality Quiz to customize your own debt escape plan The nine biggest debt mistakes and how to overcome them Seven secrets for giving your credit score a quick boost How to overcome the hardships of medical bills How to debt-proof your future so this never happens to you again! |
| free debtor education course: The Law of Debtors and Creditors Elizabeth Warren, Jay Lawrence Westbrook, 1991 |
| free debtor education course: Business Bankruptcy Law in Focus Daniel A. Austin, Stephen P. Parsons, 2016-09-16 When you purchase a new version of this casebook from the LIFT Program, you receive 1-year FREE digital access to the corresponding Examples & Explanations in your course area. Now available in an interactive study center, Examples & Explanations offer hypothetical questions complemented by detailed explanations that allow you to test your knowledge of the topics covered in class. Starting July 1, 2017, if your new casebook purchase does not come with an access code on the inside cover of the book, please contact Wolters Kluwer customer service. The email address and phone number for customer service are on the copyright page, found within the first few pages, of your casebook. As part of the In Focus Casebook Series, Business Bankruptcy Law In Focus, offers a comprehensive, practice-oriented approach to the legal and practical aspects of business bankruptcy. By providing real world scenarios throughout, the text gives students numerous opportunities to apply what they are learning, and solidify their understanding of important concepts. Clear explanatory text, case previews and case follow ups further clarify the doctrine and aid in student understanding of concepts. With its focus on business bankruptcy, this text begins by reviewing the basics of business entities and debt along with essential business bankruptcy concepts, then moves onto covering powers of debtor in possession, drafting and confirming a plan of reorganization, evolving forms of business bankruptcy (e.g. liquidation of assets, prepackaged and pre-negotiated, structured dismissals, etc.). It then introduces cross-border insolvencies under Chapter 15 of the Code, bankruptcy jurisdiction, including core and noncore proceedings following the Supreme Court decision in Stern v. Marshall. Features: Fresh approach that uses selected cases to illustrate key developments in the law and to show how courts develop and apply doctrine Approachable manner and assessment features provide an experiential environment for students Hands-on approach encourages students to apply concepts to real-world scenarios, offer many opportunities for students to apply their knowledge Assessment features include: Real Life Applications Applying the Concepts Case Previews and Post Case Follow Ups |
| free debtor education course: Handbook for Chapter 13 Standing Trustees , 1998 |
| free debtor education course: Debt Information for Teens, 3rd Ed. James Chambers, 2018-03-01 Provides information for teens about establishing and using credit, managing credit cards, and coping with debt-related problems. Includes index and resource information. |
| free debtor education course: Paralegal Career For Dummies Scott A. Hatch, Lisa Zimmer Hatch, 2011-03-03 Apply important legal concepts and skills you need to succeed Get educated, land a job, and start making money now! Want a new career as a paralegal but don't know where to start? Relax! Paralegal Career For Dummies is the practical, hands-on guide to all the basics -- from getting certified to landing a job and getting ahead. Inside, you'll find all the tools you need to succeed, including a CD packed with sample memos, forms, letters, and more! Discover how to * Secure your ideal paralegal position * Pick the right area of the law for you * Prepare documents for litigation * Conduct legal research * Manage a typical law office Sample resumes, letters, forms, legal documents, and links to online legal resources. Please see the CD-ROM appendix for details and complete system requirements. |
| free debtor education course: Ethical Lawyering Bernard A. Burk, Veronica J. Finkelstein, Nancy B. Rapoport, 2021-09-14 The purchase of this ebook edition does not entitle you to receive access to the Connected eBook with Study Center on CasebookConnect. You will need to purchase a new print book to get access to the full experience, including: lifetime access to the online ebook with highlight, annotation, and search capabilities; practice questions from your favorite study aids; an outline tool and other helpful resources. Many professional responsibility professors struggle to engage students in a required course, one that students wouldn’t otherwise have chosen to take, covering material that simultaneously appears both obvious and intricately technical. Ethical Lawyering: A Guide for the Well-Intentioned addresses those concerns with a fresh look at teaching and learning Professional Responsibility. Instead of containing impenetrable cases typical of most professional responsibility casebooks, which force students and teachers to sort out convoluted facts and incomplete or out-of-date analysis, this book “flips the classroom” by providing detailed explanations of the Model Rules, accompanied by problems for class discussion that require students to explore how the Rules apply in real-world situations—a structure which lends itself easily to both in-person and online courses. The book’s explanations are focused on building statutory interpretation skills, and then bringing these skills to common practice scenarios. Discussion covers all aspects of the law governing lawyers, from professional discipline to civil liability to court sanctions, as well as informal concerns, such as client relations and the business of law practice. Professors and students will benefit from: A “flipped classroom” structure in which the book provides detailed explanations of the Model Rules, interspersed with problems for class discussion, that are both drawn from practice and illustrate some of the challenges in applying the rules in real-world situations. MPRE-style multiple-choice review questions at the end of each chapter (or after substantial portions of a chapter) addressing the material. An informal, irreverent, down to earth, and conversational style, meant to be accessible, crafted to engage students without understating the seriousness of the subject matter, and to encourage them to put themselves into the “hot seats” that the problems describe. A statutory construction approach to the Model Rules, designed to build text-interpretation skills. A comprehensive treatment of the law regulating lawyers, considering all of the practical hazards that lawyers face, and illustrating the connections between the Model Rules as a basis for professional discipline and the law of torts (fiduciary duty and malpractice), contracts (scope of the attorney-client relationship and engagement agreements), agency (authority), and procedure (sanctions), as well as informal concerns such as client relations and reputational issues. A digital edition that includes links to all necessary statutory materials. Teaching materials Include: A detailed Teacher’s Manual, including: Suggested syllabi for two-hour and three-hour courses. Detailed analyses of all of the problems, including pedagogical suggestions, to stimulate class discussion. Explanatory answers to the MPRE-style multiple-choice review questions. Suggested PowerPoints for class use. Two online-only chapters (The Government Lawyer; Judicial Ethics). |
| free debtor education course: My Misspent Youth Meghan Daum, 2014-12-23 The cult classic essay collection from “one of the most emotionally exacting, mercilessly candid, deeply funny . . . writers of our time” (Cheryl Strayed, The New York Times Book Review). First published in 2001, My Misspent Youthcaptured a generation’s uneasy coming of age as the world made its chaotic way into a new millennium. It also established Meghan Daum as a leading literary voice, widely celebrated for her fresh, provocative approach to the hidden fault lines of America’s cultural landscape. From her New Yorker essays about the financial demands of big-city ambition and the ethereal, strangely old-fashioned allure of cyber-relationships to her dazzlingly hilarious riff about musical passions that give way to middle-brow paraphernalia, Daum delves into the center of things while closely examining the detritus that spills out along the way. With precision and well-balanced irony, Daum implicates herself as readily as she does the targets that fascinate and horrify her. |
| free debtor education course: Data Visualization Handbook Juuso Koponen, Jonatan Hildén, 2019-04-01 The data visualization handbook is a practical guide to creating compelling graphics to explain or explore data. It is primarily aimed for designers, journalists, researchers, analysts, and other professionals who want to learn the basics of visualization, but also includes plenty of material for people with intermediate level visualization skills. |
| free debtor education course: Non-profit Credit Counseling Organizations United States. Congress. House. Committee on Ways and Means. Subcommittee on Oversight, 2004 |
| free debtor education course: Examples & Explanations for First Amendment Laura E. Little, 2021-03-09 Award-winning teacher and respected author of several volumes, Professor Laura Little has written a new book on the First Amendment. Following the proven Examples and Explanations format, the book covers all of the amendment’s major topics – with emphasis on speech and religion. Professor Little presents hypothetical examples that range from simple and straightforward to complex and rich. As a result, students using the book can acquire both basic and advanced knowledge of First Amendment doctrine. Equally important, this approach allows students the opportunity to practice their skill of marshalling arguments on many sides of contested legal issues. With its short chapters, the book is an exceptionally useful complement to any of the available casebooks in the field. Highlights of this E&E study aid (first edition): Professor Little brings her characteristically clear writing style and constitutional law expertise to the subject. The book’s organization enables students to choose the particular topics they need to study and that match the coverage of their course. The topics covered include a comprehensive review of the most recent U.S. Supreme Court decisions on speech, association, and religion as well as cutting edge issues raised by current events, including the COVID-19 pandemic. The concise explication of legal doctrine (and its uncertainties) ensure a baseline of student understanding and maximizes accessibility to difficult, abstract concepts. The book’s balance between simple and complex hypotheticals serves an array of student needs. While providing deep coverage of abstract concepts, the book includes many practical introductions to law practice reality. Professor Little has not only established her reputation as a constitutional scholar, but also comes to the subject with experience as a practicing First Amendment lawyer for the media. Professors and students will benefit from: Adaptable organization allows the book to complement any casebook. Figures, examples, explanations, and varying difficulty in the presented material ensure that the book will serve the needs of a variety of users and will appeal to different learning styles. Balance between theoretical and practical materials enables broad understanding. |
| free debtor education course: Financial Literacy for Millennials Andrew O. Smith CFO, 2016-08-22 A modern primer on consumer finance and personal money management intended for readers aged 15 to 30, this guide can also serve as a primary text for high school, college, or adult education courses on personal finance. There is growing awareness that teaching consumers more about finance is an urgent national priority—and that their education should begin early. Combining practical advice with targeted information on virtually every aspect of personal finance and money management, this book is the ideal resource for young people who want to start off their financial lives properly. The guide updates traditional personal finance topics, such as budgeting, credit, debt, savings, and investment, and goes beyond those fundamentals to furnish important life lessons on such concerns as career planning, starting a business, Internet fraud, and avoiding financial scams. It even provides useful background on the tax system, how to avoid bankruptcy, legal issues young adults often face, and the plethora of government benefits they can access. In fact, young readers will come away from this book with basic knowledge of every important area of personal finance. Ideal for teens and young adults, the volume will prove useful to parents who want to educate their children about the wise use of money, preparing them to make independent financial decisions. In addition, this book can be used to meet the standards enacted in every state for developing a curriculum guide for teaching financial literacy to high school students. It can also serve as a primary or supplementary resource in personal finance or consumer economics courses for college students and adults. |
| free debtor education course: A Survival Guide to Debt Mitchell Allen, 2009 For readers who are paying bills with credit cards, cringing every time the telephone rings, avoiding stacks of unopened overdue notices, or facing foreclosure, Mitchell L Allen offers a practical resource full of hope. In this guide Allen empowers readers to make smart choices about how to emerge from debt and recover from the devastating financial and emotional effects of hard times. Unlike other debt-relief authors, Allen doesn't focus on bankruptcy or avoiding bankruptcy; he presents all of the options available and explains how to take advantage of them. He teaches readers: How to deal with financial trouble on their own, including negotiating with creditors; Where to find professional help with debt problems; How to determine if bankruptcy is the best solution; How to file for bankruptcy; How to regain control of their lives and their finances -- forever. Filled with proven and effective strategies for finding a way out of the debt forest, this guide provides the dearest path from debt-induced insanity .to financial security. |
| free debtor education course: Consumer Bankruptcy Henry J. Sommer, 1994-02-01 The most comprehensive and reliable guide for consumers--by the nation's preeminent bankruptcy attorney. This information-packed guide offers consumers all the help they will need to protect themselves through every step in the bankruptcy process. |
| free debtor education course: Corporate Bankruptcy Grant W. Newton, 2003-01-31 No company should proceed toward a possible bankruptcy claim without a thorough understanding of the implications of all the available options. Corporate Bankruptcy provides CEOs, CFOs, controllers, and treasurers, as well as financial advisors and other professionals involved with bankruptcy filing, the tools they need to succeed. Order your copy today! |
| free debtor education course: Alwd Citation Manual Darby Dickerson, 2010-06-01 ALWD Citation Manual: A Professional System of Citation, now in its Fourth Edition, upholds a single and consistent system of citation for all forms of legal writing. Clearly and attractively presented in an easy-to-use format, edited by Darby Dickerson, a leading authority on American legal citation, the ALWD Citation Manual is simply an outstanding teaching tool. Endorsed by the Association of Legal Writing Directors, (ALWD), a nationwide society of legal writing program directors, the ALWD Citation Manual: A Professional System of Citation, features a single, consistent, logical system of citation that can be used for any type of legal document complete coverage of the citation rules that includes: - basic citation - citation for primary and secondary sources - citation of electronic sources - how to incorporate citations into documents - how to quote material and edit quotes properly - court-specific citation formats, commonly used abbreviations, and a sample legal memorandum with proper citation in the Appendices two-color page design that flags key points and highlights examples Fast Formatsquick guides for double-checking citations and Sidebars with facts and tips for avoiding common problems diagrams and charts that illustrate citation style at a glance The Fourth Edition provides facsimiles of research sources that a first-year law student would use, annotated with the elements in each citation and a sample citation for each flexible citation options for (1) the United States as a party to a suit and (2) using contractions in abbreviations new rules addressing citation of interdisciplinary sources (e.g., plays, concerts, operas) and new technology (e.g., Twitter, e-readers, YouTube video) updated examples throughout the text expanded list of law reviews in Appendix 5 Indispensable by design, the ALWD Citation Manual: A Professional System of Citation, Fourth Edition, keeps on getting better |
| free debtor education course: Corporate Financial Distress, Restructuring, and Bankruptcy Edward I. Altman, Edith Hotchkiss, Wei Wang, 2019-03-26 A comprehensive look at the enormous growth and evolution of distressed debt markets, corporate bankruptcy, and credit risk models This Fourth Edition of the most authoritative finance book on the topic updates and expands its discussion of financial distress and bankruptcy, as well as the related topics dealing with leveraged finance, high-yield, and distressed debt markets. It offers state-of-the-art analysis and research on U.S. and international restructurings, applications of distress prediction models in financial and managerial markets, bankruptcy costs, restructuring outcomes, and more. |
| free debtor education course: Foreclosure Nation Shari B. Olefson, 2009-12-04 The family residence is the backbone of the American economy, the most valuable and enduring asset for those who have achieved a financial foothold. Yet today record numbers of households confront foreclosure. In the next year it is estimated that over two million Americans will lose their homes and almost two billion dollars of wealth will disappear in the process. How did the traditional American Dream morph into a nightmare for so many? Real estate attorney and educator Shari B. Olefson, a recognized expert in the current mortgage crisis and its effects on homeowners, explains how America slipped to the edge of this dangerous stagnation-recession precipice. In plain language that is easily understandable to the average person, she clarifies legal and financial terminology and describes how our country’s mortgage system really works. Utilizing real-life lender and borrower interviews, she exposes its intrinsic flaws and often discriminatory practices, from the mortgage application process to the securitization of bundled mortgages by large investment firms. She also provides evidence to show the government’s and Wall Street’s roles in both causing and solving the problem. Above all, Olefson offers expert tips, tools, and resources to help you: • Choose a mortgage professional and understand what’s motivating him or her • Decide what mortgage product fits best and when to refinance • Get the best fees, interest rate, and service • Create your own solutions for navigating the credit crunch • Know what to do when you can’t afford your mortgage • Protect your home if you are at risk of foreclosure • Understand how to proceed if you are already in foreclosure • Capitalize on emerging opportunities and avoid the scams and mortgage fraud • Prepare for coming changes Foreclosure Nation demystifies the real estate bubble and the subprime mortgage crises that followed. With bold, clear visuals like inventory, absorption, and price trend graphs, Olefson pinpoints exactly when and why experts are predicting a recovery. She also cites statistics that strongly suggest the number of foreclosures will surge in the fall of 2008 and again in 2009, with increased reverberations felt throughout the US and global economies. Foreclosure Nation will prove indispensable to explaining what is happening and guiding readers through. Whether you are planning on buying your first home, struggling to meet your current mortgage payments, facing foreclosure, or wondering how your investments will be affected, this comprehensive book will assuage the fear of the unknown, empowering you to make wise choices and protect your most valuable assets. |
| free debtor education course: College Success Amy Baldwin, 2020-03 |
| free debtor education course: Handbook for Chapter 7 Trustees , 2001 |
| free debtor education course: Bankruptcy and Debtor/creditor Brian A. Blum, 1999 Recommended with confidence by law professors across the country, BANKRUPTCY AND DEBTOR/CREDITOR: Examples & Explanations enters its Second Edition helping students Understand The many rules, principles, and policies of bankruptcy and debtor/creditor law. Author Brian Blum draws on his own teaching experiences to respond to student needs. Adhering to a proven-effective format, he begins with basic concepts, then gradually introduces more advanced issues. Demystifying debtor/credit law and facilitating comprehension, The book promotes effective study through: exceptionally clear writing organization that tracks the leading casebooks problems and answers that allow students to test their understanding BANKRUPTCY AND DEBTOR/CREDITOR: Examples & Explanations, Second Edition, now incorporates: updated text and new examples that reflect changes in the Bankruptcy Code the latest developments in debt adjustment and reorganization, support obligation in bankruptcy, and bankruptcy discharge new material on jury trials reorganized problems and answers - answers no longer immediately follow the problems more streamlined material with a sharper, tighter focus on the essential topics |
| free debtor education course: Bankruptcy Survival Guide Mason Kiani Sean, 2009 The bankruptcy survival guide was written to help and assist people facing finacial crisis by providing them with the right mindset in order to engage, face and overcome problems that people who are in this position have to deal with. Like with anything in life the outcome of a particular situation is often dictated by the actions that a person ado |
| free debtor education course: The Guarantee Natalie Foster, 2024-04-23 With a foreword by Angela Garbes From the president of the Economic Security Project, a book showing how a just future is around the corner, if we are ready to seize it The Guarantee asks us to imagine an America where housing, health care, a college education, dignified work, family care, an inheritance, and an income floor are not only attainable by all but guaranteed, by our government, for everyone. But isn’t this pie-in-the-sky thinking? Not by a long shot, as this provocative new book reveals. As it stands, our current economic system is chock full of government-backed guarantees, from bailouts to bankruptcy protection, to keep the private sector in business. So why can’t the same be true for the rest of us? Author Natalie Foster, co-founder of the Economic Security Project, has had a front-row seat to the dramatic leaps forward in government guarantees over the past decade, from student debt relief to the child tax credit expansion. Her brilliantly sketched vision for a new Guarantee Framework is rooted in real life experiences, collaborations with some of today’s most important activists and visionaries, and a concrete sense of the policies that are possible—and ready to implement—in twenty-first-century America. The Guarantee is the rare book that will shift the terms of debate, moving us from the expired and defunct assumptions of no-guardrails capitalism to a nation that works for all of its people. |
| free debtor education course: Starting Over Ramsey Press, 2012-01-01 The book Starting Over is the product of consumer demand. Dave Ramsey's Debtor Education (DRDE) provides pre-discharge financial education to debtors filing Chapter 7 and 13 bankruptcy as mandated by the United States Trustee, delivered to its users by their attorneys. Many of those attorneys have asked that DRDE provide something to help discharged debtors avoid the pitfalls they'll face as they leave the Bankruptcy Court's jurisdiction and their lawyers' protection and return to the real world.Starting Over begins with the moving story of the Director of Dave Ramsey's Debtor Education. He has been through the trenches and has great empathy for those who have to start over, as he did himself. This chapter reinforces the credibility of those who are offering this advice.After that the chapters are divided into several sections designed to track the debtors' progress, beginning with the days after discharge. It begins with a To-Do List of issues that should be addressed right away--the sooner the better--listed in more or less chronological order. Some of these may seem obvious--secure your home, don't go into debt for anything, cut up credit cards, etc.--but in truth, many people who have no history of fiscal responsibility need elementary guidance and a dose of hope in their effort to change their behaviors.The next several chapters make up what is called the Next Steps. These are matters which will take longer, and about which one may need to do some serious planning. This includes finding a career that really fits, setting short term and long term goals, working on the attitudes and behaviors that caused the bankruptcy, making sure you have the right insurance protection, to name a few.Finally there is a section entitled Advice for Moving Forward. In addition to some real-life suggestions and examples from successful bankruptcy lawyers, this part deals with major decisions such as renting versus buying, what to do about an upside-down car or home, the arguments against cosigning, and--hopefully unnecessary--dealing with collectors and creditors. |
| free debtor education course: Profiteering in a Non-profit Industry United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations, 2004 Printed for the use of the Committee on Governmental Affairs. |
| free debtor education course: Debtor Nation Louis Hyman, 2011-01-03 The story of personal debt in modern America Before the twentieth century, personal debt resided on the fringes of the American economy, the province of small-time criminals and struggling merchants. By the end of the century, however, the most profitable corporations and banks in the country lent money to millions of American debtors. How did this happen? The first book to follow the history of personal debt in modern America, Debtor Nation traces the evolution of debt over the course of the twentieth century, following its transformation from fringe to mainstream—thanks to federal policy, financial innovation, and retail competition. How did banks begin making personal loans to consumers during the Great Depression? Why did the government invent mortgage-backed securities? Why was all consumer credit, not just mortgages, tax deductible until 1986? Who invented the credit card? Examining the intersection of government and business in everyday life, Louis Hyman takes the reader behind the scenes of the institutions that made modern lending possible: the halls of Congress, the boardrooms of multinationals, and the back rooms of loan sharks. America's newfound indebtedness resulted not from a culture in decline, but from changes in the larger structure of American capitalism that were created, in part, by the choices of the powerful—choices that made lending money to facilitate consumption more profitable than lending to invest in expanded production. From the origins of car financing to the creation of subprime lending, Debtor Nation presents a nuanced history of consumer credit practices in the United States and shows how little loans became big business. |
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