Van Horn Law Group Blog

How to Handle Debt After Hurricane Irma

Posted by Chad Van Horn on Sep 21, 2017 10:04:12 AM


Although Floridians are always on watch and prepping for hurricanes, Irma is one of the worst disasters that the state has seen in decades. With the huge range and extent of the damage, it’s hard to know where to start in the recovery process. Many residents are still trying to figure out how to get groceries for their families, much less how to get to work or handle credit card payments. Small business owners are going through similar plights, trying to figure out how to allow their employees to come back to work after suffering hundreds of thousands of dollars of damage to their properties. Then there are intangibles such as credit card and loan payments, and these need to be attended to just as readily as practical issues. This is where Van Horn Law Group comes in to serve Floridians who are trying to get a handle on debt after Hurricane Irma.

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Topics: Get Out of Debt

Can a Credit Card Company Sue You?

Posted by Chad Van Horn on Aug 30, 2017 8:24:55 AM

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Topics: Get Out of Debt, Bankruptcy, Debt Collection

Getting in Over Your Head With Fantasy Football Debt?

Posted by Chad Van Horn on Aug 28, 2017 8:10:49 AM

If you work in an office, frequent sports bars or peruse sports related websites then you’re well aware of America’s second favorite past-time. Fantasy Football started as an Internet-based fan activity that has ballooned from its humble days on YahooGroups and Usenet into a multimillion dollar industry. Some call it unregulated gaming (gambling), its legal definition is a game of skill, while others compare it to World of Warcraft and other MMPORGs. There are some Fantasy Football players who do make a sustainable living from their playing; but as with professional gambling, there are winners and losers. Others have blown through hundreds of thousands of dollars, racking up Fantasy football debt, often times destroying personal relationships or ending up on the streets.

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Topics: Get Out of Debt

National Collegiate Trusts Gets Served

Posted by Chad Van Horn on Aug 24, 2017 8:31:47 AM

New York’s Attorney General, Eric Schneiderman, issued subpoenas on Wednesday, August 16 seeking information from National Collegiate Student Loan Trusts. I’ve covered National Collegiate Trust periodically in this blog, but this may be the opening salvo that gets other states attorneys general off the fence and into the fight. The target of the subpoenas is information on every collection action filed by national collegiate trust’s attorneys against New York residents.

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Topics: Student Loans

Credit Card Debt Sets New Record High Surpassing 2008

Posted by Chad Van Horn on Aug 22, 2017 8:24:48 AM

Just before the Recession of the 2000s hit, Americans were loading up. They were piling into the real estate market with easy mortgages, furnishing them with loads of credit card debt. It was an epic spending spree, a giddy real estate and stock market, and when the crash came, it was less a “correction” in the polite terms of financiers than it was a complete train wreck that wiped out the lifetime assets of millions of families. Massive job losses, foreclosures and evictions, and massive mortgage debts are still having a ripple effect today.

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Topics: Get Out of Debt

It’s Complicated: The Best and Worst States for Student Loan Debt

Posted by Chad Van Horn on Aug 18, 2017 11:22:37 AM

When you look at WalletHub’s new map that shows the best and worst states for student debt, it’s easy to say that Ohio has the overall highest student loan debt, while Hawaii has the lowest. That, however would only be half the picture because also included is the student loan indebtedness rank (Ohio in third place, Hawaii in 50th) and a third factor – ‘Grant & Student Work Opportunities Rank’. In this, Ohio is in 20th place for these opportunities, and Hawaii is dead last. However, there are a number of other factors that go into creating these scores.

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Topics: Student Loans

What Is a 722 Redemption?

Posted by Chad Van Horn on Aug 16, 2017 9:47:04 AM

One of the worries that people have when they are filing for a Chapter 13 or Chapter 7 bankruptcy is losing their car. In fact, fear of losing their car is one of the biggest things that holds people back from filing for bankruptcy. A car is a necessity – it takes the kids to school, takes adults to work, drives elderly parents to and from doctors’ appointments. With Broward County playing a hasty catch-up on public transportation, a car is just as much a necessity of life for some of us as it is in car crazy Los Angeles California. However, I am going to let a cat out of the bag.

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Topics: Chapter 13, Bankruptcy, Chapter 7

How and When to Communicate with your Lawyer

Posted by Chad Van Horn on Aug 14, 2017 9:34:25 AM

It helps to think about your relationship with your lawyer as you would a relationship with your medical doctor. You need to go in from time to time to have a checkup, and occasionally you’ll have a problem that needs some attention. That’s where the similarities stop, since legal proceedings are definitely an entirely different issue. When you’re working with an attorney, it helps to know what to expect from them, and what they need from you.

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Topics: About Our Firm, Lawyer

Being Sued by a Debt Collector?

Posted by Chad Van Horn on Aug 11, 2017 9:34:39 AM

You probably never imagined finding yourself being sued by a debt collector. Nobody ever plans to get into an amount of debt that they cannot repay, or at least keep up with over time. Unfortunately, for a variety of reasons, it can happen to anybody. All it takes is a medical bill, a cut in hours at your job, or a former spouse unable to make child support and you will find yourself using credit cards for everyday expenses like groceries, diapers, gas, and medicine. It’s a fact that the average household credit card debt in America is over $8000; that’s a six percent increase from the previous year and an annual net increase of 26 percent.

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Topics: Get Out of Debt, Credit Restoration, Debt Collection

How Are Wrongful Death Settlement Distributions Paid Out?

Posted by Chad Van Horn on Aug 9, 2017 8:55:07 AM

Wrongful death lawsuits are horribly traumatic for survivors. In a way it forces them to relive the loss of their loved one and the horrible circumstances in which it occurred. Florida law strictly governs who can recover, what damages they can recover, and at what age they can recover them. Special provisions are made for both adult and minor children, as well as spouses and parents of the deceased. Survivors are also entitled to payment of legal fees incurred in the process of the suit and other expenses to the estate such as medical, mortuary, and funeral incurred before the filing of the suit.

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Topics: Get Out of Debt


About Chad Van Horn


Chad T. Van Horn, Esq. is a South Florida business leader and founding partner attorney of Van Horn Law Group, P.A. Through a combination of dedicated philanthropy, spirited entrepreneurship and legal expertise, he applies his resources and network to helping people. Learn more about Chad Van Horn.


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