Each state has different rules governing foreclosure of real estate. In Texas, lenders have the option of pursuing foreclosure in court or out of court. By either means, the foreclosure process in Texas is relatively quick. When a foreclosure is executed by the court, it is called a judicial foreclosure. Judicial foreclosure is required when […]
“Not all it’s cracked up to be” is one of my favorite idioms. “Too good to be true” is another good one that also applies to debt settlement. Forgive me for speaking in generalities, but the reality is that debt settlement rarely benefits the debtor in the end. It sounds like a great idea, but […]
If you don’t know that the economy is in bad shape, turn on the radio and prepare to be enlightened. On any given station, at any time of the day or night, you will hear advertisements for companies that will tell you how to eliminate your debt. Each of these companies has a different method […]
At thirty-five years old, I have gone through the mortgage loan process three times. First, when I was twenty-three, my wife and I bought our first house. We were young, stupid, and so excited to be buying our first house that it never occurred to us to shop around for a mortgage company. Our home […]