Yes. But – only for the limited purpose of confirming that you live in the house. A debt collector can call your house and confirm that you live in the house. But, they cannot say that you owe a debt or discuss your situation with them.

Yes it can. A cram down is the process where the principal balance on a loan is reduced to the value of the collateral that has been pledged as collateral for that loan. In the case captioned In re Reinhardt, 563 F.3d 558 (6th Cir., 2009) the court held that a manufactured home that is…

Just because the debt was written off does not mean they will release the mortgage.  Michigan law (MCLA 600.3175(1)) provides: (1) When a recorded mortgage on real property, land contract, or tax lien (except tax liens held by the state or any political subdivision of the state) on lands or property has been paid or…

The Saginaw News reported today that mortgage foreclosures in Saginaw County rose to 1000 in 2010. Foreclosures for 2009 were 740 and 1130 for 2008. Tax foreclosures increased as well with 837 in 2010 up from 789 in 2009. County Treasurer Marvin D. Hare remarked “Nothing’s any better than it was, and a lot of…

I file several plan mod’s a year to keep tax refunds, and have yet to have a major issue.  In each case I have clear expenses in mind (tires, home repair, dental/medical bills, etc.) and point out that the amount budgeted in the plan is not large enough to cover the unexpected expense.   Keep…

What is bankruptcy? Bankruptcy is the most sophisticated financial planning tool available to consumers. It’s not about cheating your creditors–it’s really about being a responsible person and getting your financial act together so that you can take care of yourself and your family. The bankruptcy laws are mandated by the US Constitution for the purpose…