Consumer Advocacy Group Joins Forces with Law Firm
North Huntington, PA
May 23, 2005 -- The United Consumers Advocacy Network (UCAN) announced today an alliance with Apex Law Group and its national network of attorneys to offer legal support to clients of debt relief companies that subscribe to UCAN's services.The alliance will offer a broader range of services ranging from basic advocacy to legal representation in court if a client is sued by a creditor or if a creditor violates a client's consumer rights. Apex will also offer bankruptcy solutions to clients whose financial situation worsens and are unable to continue their debt relief program.UCAN executive Dave Leuthold says that there is a growing need to protect consumers enrolled in debt relief programs against abusive collection practices and creditor lawsuits. "As a third-party advocacy firm, creditors are usually willing to work with us once we get involved in a case," explains Leuthold. "However, cases do arise that necessitate legal intervention and this new alliance gives us greater access to attorneys to safeguard clients from lawsuits and violations of consumer protection laws, such as the FDCPA." The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 because of the tremendous volume of complaints the Federal Trade Commission received from consumers and consumer advocacy groups about unethical debt collection practices. Violations can be costly for debt collectors as each carries a potential $1,000 civil penalty in addition to actual damages suffered by the consumer.
A class action lawsuit for FDCPA violations could cost a collection agency up to half a million dollars."Clients of debt relief companies can barely afford to repay their debts, much less an attorney to defend against creditor-initiated lawsuits," explains Dharma Naik, lead consumer rights attorney for Apex. "This alliance provides legal assistance to clients who would otherwise fall victim to default judgments because they simply did not have access to an affordable attorney."UCAN services are available to clients of debt relief agencies who subscribe to UCAN's services. About UCAN: The United Consumer Advocacy Network was formed in 2001 by experienced industry veterans to offer advocacy support and services for clients of debt relief agencies. UCAN serves the needs of debt relief companies and their clients as they face the growing problem of abusive, harassing and unfair practices of creditors and their collection efforts. For more information, please call 1-877-462-UCAN or visit their website at www.ucan.net.About Apex: Apex Law Group, LLC, is a law firm based in Columbia, Maryland, that offers bankruptcy, civil litigation and debt resolutions services.
For more information, please call 1-877-502-2739 or visit their website at www.apexlawgroup.com.Contact:Dave Leuthold1-877-462-8226e-mail protected from spam botsUNITED CONSUMERS ADVOCACY NETWORK.
Mortgage After Bankruptcy
Most people probably assume that obtaining a mortgage to purchase a home, refinance or to consolidate debt after a bankruptcy is out of the question. In fact, many people are able to obtain these mortgage services, even 1 day after a bankruptcy discharge in some cases. Loan programs and lenders are available that require little or no time after the discharge of a bankruptcy. Here are a few tips to speed up the road to credit recovery and the mortgage services you desire. First, continue timely paying on items such as your home and cars that were not discharged in the bankruptcy.
Having at least a couple credit items you are paying on- time will help. Second, limit the amount of other debts such as credit cards or bank loans. Too much debt will make it more difficult to qualify for a loan, particularly revolving credit accounts such as credit cards. Your debt-to-income ratio is one part of the puzzle lenders will look at in determining your ability to repay a mortgage. Another...
Mortgage After Bankruptcy
Bankruptcy > Mortgage After Bankruptcy
Buying A Home After Bankruptcy - Get A Mortgage Loan After Bankruptcy
If you have a recent bankruptcy on your credit and are looking to get financing for a home, there is hope. Buying a home with bad credit will just put more emphasis on the other two factors needed to get a mortgage loan, which are; income verification and a down payment.After bankruptcy most lenders want you to wait at least 2 years from the time of the bankruptcy discharge before they will consider you for a mortgage loan. After the two year waiting period is over, you should be able to get financing easily. You should also be able to get 100% financing as well. You can usually achieve this as long as at least most of your payments have been reported to the credit bureau as having been paid on time since the discharge of your bankruptcy.If you are looking to get a mortgage loan after bankruptcy sooner than the 2 years from the time of discharge, you will need to have almost flawless payment history since your bankruptcy discharge.
Also, you may need to have a down payment. If...
Buying A Home After Bankruptcy - Get A Mortgage Loan After Bankruptcy
Bankruptcy > Buying A Home After Bankruptcy - Get A Mortgage Loan After Bankruptcy
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Bankruptcy > One-Stop Online Source for the New Bankruptcy Law
Stop Foreclosure
For Immediate Release Contact:
Comprehensive Financial Planner
770-210-8797STOP FORECLOSUREHow Homeowner Can Save Their Home From ForeclosureDrive around and see how many signs you see that says House for Sale. How many lease purchases do you see? How many abandon houses are on your street? Our country is up against the wall with delinquence mortgages. FHA mortgage lenders are filing claims in the millions from HUD. How do I know? I counsel homeowners every month concerning their mortgage and what they need to do to protect their property and communicate with their mortgage lender. What is the cause of all these delinquence? There could be several reasons: Lost of a job, health issues, divorce, business failure & income reducing.
Before the homeowner even tries to save his/her home, they move out or better yet file bankruptcy. If they only knew what options were available to them, they stood a better chance of saving their homes.Some homeowners try to make an...
Stop Foreclosure
Bankruptcy > Stop Foreclosure
Bankruptcy
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