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Consumer Attorney Services / The McCann Law Group Client Agreement Review

hiding

A reader asked me to review the client agreement Consumer Attorney Services is asking them to sign. I am not a lawyer. What follows is my review of what I read when looking over the client agreement. If you have a debt relief services agreement you’d like for me to review for you, upload it here. The McCann Law Group, ... Read More »

Consumer Attorney Services Wants to Charge Us to Help Modify Our Mortgage. – Kelley

contemplate

“Dear Steve, My husband was unemployed for 2.5 years due to medical issues. We exhausted our savings staying on top of the bills. In aug, 2012 he did receive a job, but is underemployed and the combination of our two paychecks are barely getting us by. We have an 80-20 loan on our house (from 2004) and our current 80% ... Read More »

Will I Have to Tell My Husband if I File Bankruptcy? I Can’t! – Mandy

Super Hero - Female

“Dear Steve, I have approximately $50,000 in credit card and personal loan debt. Living paycheck to paycheck and counting change to make it. Not enough to cover all the bills each month. I pay the minimum monthly payment due on the credit cards and then have to turn around and use that card to pay a utility bill with it ... Read More »

I’m Unemployed. Does a Debt Management Plan Make Sense? – Andrew

boxer

“Dear Steve, I ran up my credit card to almost 21k after losing my job. I’ve been making payments until this month – in a couple days payment is due but I have no money. I’m now on welfare and food stamps, but have a little money coming soon from computer editing work I’m doing currently. I’ve thought about a ... Read More »

I Got a New 1099-C on an Old Mobile Home That Was Repossessed. – Donna

1099C

“Dear Steve, Purchased a mobile home in 1996 with a mortgaged amount of 47000. Mobile home repossessed in 2003. My husband and I separated in May 2002. He refused to help pay any debt (mortgage, credit cards, etc). I immediately called the mortgage company to ask for help. They refused. I paid the note until August because by then I ... Read More »

Wells Fargo Bank Wants Us to Apply for a Loan Remodification With Bankruptcy. – Monique

mysterious

“Dear Steve, My husband and I are behind on our Mortgage payments. After my husband hurt himself and was out of work for 3 months they put us on a 6 month repayment plan but it is coming to an end May 29th. We have filed bankruptcy and wells fargo knows this. We would like to keep the house if ... Read More »

Should We File Bankruptcy When Our ARM Adjusts? – Mark

money down the drain

“Dear Steve, Support and live with wife and 3 children–23, 21 and 14 years old. I am 48 yrs. old Yearly income is $74,000/about $5050/month net Current on all bills and payments–have never missed a bill payment of any type. No extra money after bills per month. Job is secure but income will not increase much if any in the ... Read More »

National Housing Advocates Says They Can Modify My Mortgage if I Pay. – Reesa

Real Estate Concept

“Dear Steve, National Housing Advocates- assists with obtaining loan modifications and lowering principles. They say I definitely qualify for their help services because I’m upside down in my mortgage. They only guarantee that they will help me with the paperwork and obtaining mortgage assessment report Their fee is $3500, and there was no mention of a money back guarantee. Are ... Read More »

Bank of America Charged Off My Account Even Though I Made a Payment. – Mac

Bank

“Dear Steve, Erroneous Chargeoff of Bank of America Credit Card $22,000.00 Bank of America gave me a deadline of 5PM 30 November to make a payment on my credit card or it would be charged off. I made the payment of $600.00 using Bank of America’s Online Billpay service on November 29, 2012. Because of an error in their system, ... Read More »

I Was Hospitalized Without Insurance and Can’t Afford It. – Abril

operation

“Dear Steve, I am in so much debt and I have tried everything I could possibly think of but nothing is working. Please tell me what to do! Here’s my story. I’m a 20 y/o college student. A year ago (Feb. 2012) I got very very sick. I spent 3 weeks in the hospital quite literally fighting for my life. ... Read More »

We Are Both Out of Work and About to Lose the House. Should We File Bankruptcy? – Maria

qa7

“Dear Steve, My husband loses his job as of this year in a couple weeks. Due to family illness, I lost my job 2 years ago. He is in his late 60′s & I am 60. Due to all foreclosures in my area, unable to sell house for what we owe. We would have to pay out almost 9-15k to ... Read More »

Wells Fargo Did Not Reaffirm Our Mortgage in Our Bankruptcy. – Kenneth

questions

“Dear Steve, Me and my wife filed bk 7 in 2011 and some how Wells Fargo didn’t get reaffirmed our second mortgage with First Tennessee did get reaffirmend.I was trying to get refinance but wells fargo wont because we didn’t reaffirm.I applied with quicken loans and after apprisal the property is only worth 81000 and I wanted to borrow 80,000 ... Read More »

I Should be Able to Get My Student Loans Forgiven But Can’t. – Dan

Federal Student Aid Ombudsman

“Dear Steve, Science teacher in a low income school. Have been teaching for 15 years. I took out two federal loans for undergrad 1991-1995and another for masters in 2002 – 2004. I have applied for teacher loan forgiveness and have been turned down because I never paid off my undergrad loan in full. It is not in default. Otherwise I ... Read More »

United Financial Relief Wants to Sell Me California Debt Relief Program. – Karen

surprise

“Dear Steve, I am in the process of applying for California debt relief with United Financial Relief. I have about $16,000 in debt that my income can no longer manage. Are there any financial risks or obligations that I should be aware of, either now or in the future? Karen” Don’t miss our free Get Out of Debt – “How ... Read More »

US Council for Consumer Debt Relief Claims They Can Help Me. – Tracie

Big Scam Dog

“Dear Steve, I have constant mail about my finances as I have never contacted anyone. I recieved a letter from U. S. Council for Consumer Debt Relief saying I had qualified to participate in this Mon Profit 501c-3 creditor sponsored program. It says they are not affiliated with debt settlement and NO COST to enroll 888-593-6097. Says they will decrease ... Read More »

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