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Ten Mistakes Financially Stable Consumers Make Which Can Lead to Bankruptcy

Ten Mistakes Financially Stable Consumers Make Which Can Lead to Bankruptcy
November 13, 2019 by zleiden

The common misconception of the debtor in bankruptcy is an individual who was reckless in borrowing, and irresponsible in paying back their debts.  While mismanagement and over-extension are present as causes in some bankruptcy cases, even the...

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Finance & Credit Trends to Avoid in 2018

Finance & Credit Trends to Avoid in 2018
January 3, 2018 by zleiden

At the beginning of the most recent century, both lenders and borrowers had developed many bad habits from a toxic combination of unrealistic optimism and immediate gratification. These bad habits led to a dramatic increase in bankruptcy for both...

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AVOIDING THE PAYDAY LOAN/TITLE PAWN TRAP

AVOIDING THE PAYDAY LOAN/TITLE PAWN TRAP
June 12, 2016 by zleiden

Unfortunately, many lower income consumers lack any type of savings or reserve to address an unforeseen expense or temporary reduction in come.  An auto repair of $400 can be an intimidating obstacle to someone who does not have any money set...

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COSIGNERS AND BANKRUPTCY: WHAT YOU AND YOUR BANKRUPTCY ATTORNEY NEED TO KNOW

COSIGNERS AND BANKRUPTCY:  WHAT YOU AND YOUR BANKRUPTCY ATTORNEY NEED TO KNOW
May 23, 2016 by zleiden

As part of the bankruptcy consultation process, bankruptcy attorneys will want to review all of your creditor information.  This will include any debts that you may want to keep, such as a house loan or car loan.  A consumer will be required to...

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AUTOMOBILE TITLE PAWNS AND BANKRUPTCY

November 13, 2014 by zleiden

Title pawns have become an ever-growing percentage of consumer debt, as they are marketed as a short-term “quick fix” to a budget deficit.  Presumably, these loans will allow the consumer to bridge the gap until payday, at which time the loan...

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Personal Internet Loans: Convenience vs. Consequences

March 13, 2014 by zleiden

Internet lending is very commonplace nowadays, as many mortgage and auto lenders may rely substantially on information submitted via the internet to process loan applications.  This reduces the amount of face-to-face time which may be necessary...

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Loan Modifications and Short Sales: The Hidden Costs

February 19, 2014 by zleiden

Bankruptcy is often used as a method of foreclosure prevention, especially in Georgia where the foreclosure process is expedited compared to other states.  However, over the last few years, more lenders have been willing to negotiate the terms of...

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Mortgage Loan Modification Update

September 18, 2013 by zleiden

Previous blogs have discussed the mortgage modification options that are available to distressed homeowners, and the steps necessary to successfully accomplish a mortgage loan modification.  Unfortunately, there appeared to be little incentive...

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Beware of mortgage loan modification scams!

September 28, 2012 by m3admin

Click Here to Read More.

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Do’s and Don’t’s in Dealing with a Collection Agency

April 4, 2012 by m3admin

Even the most vigilant, conscientious consumers may have to deal with a collection agency at some point.  It could be because a bill was overlooked at some point.  It may be because the consumer disputed the debt, and refused to pay the original...

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The Truth About Rapid Refunds: Refund Anticipation Loans May Not be Worth the Risk

January 4, 2012 by m3admin

Refund Anticipation Loans or “RAL’s” were originally marketed as “rapid refunds”, with the goal of expediting the receipt of income tax refunds for tax filers.  What many filers believed was a refund was actually a loan made directly to the...

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WHAT YOU SHOULD KNOW BEFORE YOU EVER COSIGN A LOAN

April 11, 2011 by m3admin

Our firm routinely meets with prospective clients who have encountered financial trouble after “cosigning” or “guaranteeing” a loan for a family member or friend that went into default.  Many times they misunderstood the extent of their liability...

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An Important Note Regarding Representation

While the attorneys at Leiden & Leiden, P.C. are admitted to practice in the states of Ohio, South Carolina, and Georgia, representation at this time is limited to residents of the state of Georgia. Information on this website is based upon the law of the State of Georgia, and applicable laws of the United States of America.

Recent Posts

  • IT’S TIME TO REVISIT THE DISCHARGE OF STUDENT LOAN DEBT IN BANKRUPTCY
  • The Covid-19 Pandemic and its effect on Leiden & Leiden
  • ASSETS THAT MANY PEOPLE DON’T REALIZE THAT YOU CAN PROTECT IN A BANKRUPTCY CASE
  • CONSIDERING BANKRUPTCY AND RECEIVING AN INCOME TAX REFUND? SUGGESTIONS FOR POTENTIAL BANKRUPTCY FILERS
  • THE PERSONAL COSTS OF COVID-19

Testimonials

Your office made this process easier.
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Recent News

  • IT’S TIME TO REVISIT THE DISCHARGE OF STUDENT LOAN DEBT IN BANKRUPTCY
  • The Covid-19 Pandemic and its effect on Leiden & Leiden
  • ASSETS THAT MANY PEOPLE DON’T REALIZE THAT YOU CAN PROTECT IN A BANKRUPTCY CASE

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330 Telfair St.
Augusta, GA 30901
Phone: (706) 724-8548
Fax: (706) 724-9727

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Mon – Friday: 9am – 4:30pm

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