Van Horn Law Group Blog

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

Being Sued by American Express?

Posted by Chad Van Horn on Aug 7, 2017 10:07:29 AM

American Express does not mess around when it comes to collecting on their delinquent accounts. The list of famous-but-not-so-rich people like Tori Spelling ($87,000 and $38,000 respectively), Li’l Wayne ($86,000), ex-NBA star DeShawn Stevenson ($384,000 and a bank levy when he blew off the lawsuit), and the mom of the “Cash me outside” girl Danielle Bregoli ($7,600 and a claim of unjust enrichment) is just the tip of the iceberg, as American Express filed lots of lawsuits to collect on those delinquent accounts. If you’re being sued by American Express, there are something you need to know.

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

What to Expect From Your Lawyer

Posted by Chad Van Horn on Aug 4, 2017 11:15:13 AM

Most people don’t have much experience in dealing with lawyers. Let’s face it, you don’t really need the services of a lawyer in your everyday life. It’s when things become exceptional that you need legal advice. As a result, communicating with an lawyer can seem like learning to speak another language. You are understandably anxious, worried, and even angry at the situation in which you find yourself. Law is a highly specialized profession, and it’s perfectly okay not to know how to communicate with your lawyer.

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Topics: Lawyer

Top Rated Bankruptcy Attorney in Fort Lauderdale on Yelp

Posted by Chad Van Horn on Aug 2, 2017 8:47:26 AM

Our clients are five-star and we strive to provide them with five-star service. It’s not easy to get a lot of great reviews on Yelp, people who review there are often painstakingly honest about the shortcomings they perceive in the businesses they patronize. So it delights me to look over the reviews that are so overwhelmingly positive, and see that we have made a tremendous difference in people’s lives as a bankruptcy attorney in Fort Lauderdale. There are a number of reviews visible on the page, but the ones not commonly shown on the page are worth reading too. We strive to learn from every client how to be better at what we do.

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Topics: Customer Success Story, About Our Firm

Why Retail Bankruptcies Are on the Rise

Posted by Chad Van Horn on Jul 31, 2017 10:19:58 AM

As an attorney who specializes in bankruptcy, I can’t help but note with dismay the huge increases in retail bankruptcies, and of course it’s the smaller businesses that provide the majority of American jobs that are feeling the heat. Retailer bankruptcies are turning into what CNN has called “a bloodbath” and there are retail stalwarts from Neiman Marcus Group to 99 Cents Only Stores facing the down the bankruptcy beast. The ripple effect isn’t being felt in the board rooms, but rather in the living rooms of the people who work for these companies. Retail for years has been known for low wages, absent benefits, grueling and at times uncertain hours, and the squeeze is tightening.

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Topics: Bankruptcy, Bankruptcy for Businesses

What to Do When Receiving a Summons from Capital One Bank

Posted by Chad Van Horn on Jul 27, 2017 9:06:13 AM

Capital One Bank wants to know what’s in your pocket, and they’ve issued a summons to get it. There are a number of credit card companies who prefer the direct approach instead of farming out there uncollected balances to debt purchasers such as Midland. There are several things that you should do if you are in receipt of a summons from Capital One, but there is one big thing you should never ever do and that is to ignore the summons. When you receive a summons from Capital One Bank, this means that it’s the beginning of a legal process initiated by the bank to collect the debt that they believe you owe.

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Topics: Get Out of Debt, Debt Collection


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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