Wednesday, November 11, 2015

According to CNN MONEY,

Zombie debt collection scams are on the rise

What you need to know can be found at http://goo.gl/cu1bdf

Friday, November 6, 2015

SCAM: Con-Artist Possing As Attorneys


http://www.nacba.org/wp-content/uploads/2015/07/NACBA-Logo_digital_large.gif

I just received the following email from the National Association of Consumer Bankruptcy Attorneys, and I am posting it here in its entirety.





The National Association of Consumer Bankruptcy Attorneys (NACBA) is urging members to remain in communication with present and past clients regarding bankruptcy "con-artists" posing as attorneys.
Over the past few weeks, NACBA has issued a consumer bulletin and been in contact with the courts and media regarding this well orchestrated scam. Warnings have been issued by the Office of the Attorney General in New Hampshire and by Virginia Eastern District bankruptcy clerk William C. Redden. The warning in Virginia has been posted on the websites of both the Eastern and Western District Bankruptcy Courts.
Despite warnings being issued to the general public, incidents continue to be reported and it is likely this fraudulent activity will spread to other states.
Members of the NACBA Legislative Committee will soon approach the Department of Justice to not only request a deeper investigation into how consumer information is being compromised but also recommend steps that can be taken to further protect the identity of those going through the bankruptcy process.
NACBA is requesting all Consumer Bankruptcy Attorneys to warn current and past clients about this scam and to urge these clients not to turn over money to anyone who calls by phone.
Please post the consumer bulletin prepared by NACBA to your law firm website and blog. Also, please send out the warning via email to all current clients.
If any clients report being a target of this scam, please send the basic information to admin@nacba.org. NACBA will compile all info and present to the Department of Justice to further illustrate the need for immediate action.
To see a copy of the consumer bulletin issued by NACBA, please visit: HERE
To see a copy of the consumer bulletin issued by the New Hampshire Attorney General, please visit: HERE
To see a copy of the consumer bulletin issued by the United States Courts, please visit: HERE
To see a copy of the consumer bulletin issued by the Eastern District of Virginia, please visit: HERE

Thursday, November 5, 2015

GoFundMe Worthwhile Cause: Need Your Help By November 30, 2015



While my blog may make it look like Bankruptcy work is all I do, that is not the case.  I not only practice in other areas of the law, but am passionate about volunteer work.


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One of the projects I am currently helping with involves high school students from approximately 45 high schools in Duval, Nassau, Clay, Baker, and St. Johns Counties.

This event is being headed up by the Rotary Club of South Jacksonville (of which I am a member), in which area high school seniors will have the opportunity to compete for college scholarship dollars by researching, creating and delivering a presentation based on the topic, 

“What can Jacksonville and the First Coast community do to gain recognized greatness nationally and internationally, using in your argument some or all of the following discussion categories: finance, education, medical, transportation and public service.”

These students will be competing for a minimum of $20,000 in scholarship funds.  What happened last year?  Take a look at http://goo.gl/SaOXzD 

Want to see last years speeches?  Click on https://www.youtube.com/watch?v=T-dMWSCDF4g

We are in the process of raising funds for the scholarships sponsorships an crowd funding.  Towards CROWD FUNDING, you can help.  There is currently a giant PUSH to get some small donations (just $10 or $20).  We need your support by not later than Friday, November 6, 2015.  If everyone makes a small donation, it should put us on the map to receive more funds.  So, you can view your donation as having a multiplier effect.  There is no telling what a small amount could end up generating, but I do need your support.

Go to GoFundMe.com/gt3tm8 and sign up to support these kids.

If you are interested in becoming a Sponsor, please contact me so I can keep you updated about news releases, sponsor's events, publicity, etc.

THANKS in advance.


Dinkins Grange

Will Supreme Court Hear Case Of Student Loan From Florida (FCSL)?

A Waukesha man has filed a petition with the U.S. Supreme Court  in hopes of having his student loans written off in bankruptcy court. The case calls into question the different standards used across the country.

Mark Tetzlaff is far from typical when it comes to the severity of his student loan debt. He’s 57, and inching closer to retirement age, yet he still owes a lot of money.

“In terms of the balance, we’re now at about $285,000. It’s accumulating at something close to $950 a month,” Tetzlaff says.

Tetzlaff says nearly half his balance is interest, and he simply can’t afford to pay. “I survive, we survive here, my mother lives with me, we survive solely on her social security,” he says.  

Tetzlaff says there are multiple reasons for why he is so deeply in debt and unable to repay his college loans. He says the majority of them accrued while he was earning a law degree from Florida Coastal School of Law, a for-profit college in Florida, about 10 years ago. Since graduating, he’s taken the bar twice and failed. Along the way he’s dealt with substance abuse, depression and two misdemeanors, including one for threatening a witness.

The most recent numbers show that about 11 percent of student loans are delinquent at least 90 days. But not many owe as much as Waukesha’s Mark Tetzlaff. According to the New York Federal Reserve, less than one percent of borrowers owe $200,000 or more.

Source: http://wuwm.com/post/wisconsin-man-challenges-discharging-student-loans-bankruptcy#stream/0