Van Horn Law Group Blog

Student Loan Debt Savior - Nicki Minaj Pays Fans' College Expenses

Posted by Chad Van Horn on May 22, 2017 8:14:41 AM

While some superstars seem to be interested only in showing off only the latest bling or excessive spending, one star shows heart and gives a hand to some struggling fans. Nicki Minaj, a prolific and outspoken Twitter user, recently reached out to some her fans who are facing financial difficulties in obtaining an education. The outcome made some her fans euphoric and proved that she is an outspoken advocate of education. The rapper paid for tuition, rent, books, student loan debt, graphics tablets, and other equipment that adds additional expense over and above tuition.

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Topics: Student Loans

Getting the Upper Hand when Dealing With Debt Collectors

Posted by Chad Van Horn on May 11, 2017 8:38:59 AM

Debtors have rights. You might not know it from the behavior of some debt collectors, but debtors have rights that are actual laws. That’s not to say that some these companies do not blatantly break the law, making outrageous threats, and possibly even collecting on debts that people do not even owe. In one case, a collection company owner manipulated his company software to falsely inflate debtors balances and made “material misrepresentations*” to debtors not only over the phone but in mailing campaigns that mimicked mailings from courts of law and government agencies.

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Topics: Get Out of Debt, Debt Collection

Student Loan Deferment and Forbearance is it Bad for Credit Scores?

Posted by Chad Van Horn on May 9, 2017 8:43:37 AM


Dear Van Horn Law Group,


I have student debt of about $50,000 from getting my BSN from one of the top ten nursing schools in the country – and that’s with a partial scholarship and grants. I passed my NCLEX and was hired, but it’s been hard to make ends meet with a loan payment on top of everything else. It’s an income-based repayment plan, but between commuting costs, rent, a car payment, food, utilities and everything else, it can be a real stretch to meet that payment. I’ve paid late a couple of times, but am in good standing.

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Topics: Student Loans

Getting a Handle on Out of Control Debt

Posted by Chad Van Horn on May 5, 2017 8:56:57 AM

It’s rare to see someone coming in to talk to a bankruptcy attorney with just one kind of debt weighing them down. More often, it’s a mix of out of control debts, that while they might be manageable on their own, have turned into a storm of debt that has no evacuation plan. When people talk about being swamped with debt, or buried under debt, or drowning in debt, those are evocative metaphors for explaining the overwhelming nature of debt. If you have a credit card, a car loan, and are paying off student loans, you are looking at three factors in a debt storm that need only the addition of, say, medical bills to tip you out of “doing all right” or “things are a little tight” right into “HELP!”

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Topics: Student Loans, Get Out of Debt, Bankruptcy, Medical Debt

Referring a Client to Van Horn Law Group

Posted by Chad Van Horn on May 3, 2017 8:10:13 AM

Some people I've met are surprised at how intersectional the law can be. It’s not unusual for my firm to see clients who have multiple legal needs. We have individuals with pending malpractice suits who also need to enter bankruptcy. We have people filing for bankruptcy who are also preparing for divorce. No matter what the situation - from personal injury and labor law to malpractice and family law - our clients need to have dedicated and knowledgeable representation to guide them through complex legal proceedings toward resolution. At Van Horn Law Group, we want the best for our clients – and so do you.

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Topics: About Our Firm

Tips to Negotiating Medical Debt

Posted by Chad Van Horn on May 1, 2017 8:38:35 AM

Even for people with insurance, medical bills can rapidly become overwhelming and are the number one cause of bankruptcy. It’s not just the initial expenses of an illness or injury, such as the visit to the ER, or admission to a hospital, but often the expenses that come afterwards for rehabilitation and continuing care that can last a lifetime. You can often negotiate medical debt on your own, with a little advice from some friendly professionals.

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Topics: Get Out of Debt, Medical Debt

IRS to Use Debt Collection Agencies to Pursue Overdue Taxes

Posted by Chad Van Horn on Apr 27, 2017 8:46:17 AM

So, does anyone remember that scam out of India where people were posing as IRS agents or debt collectors working for the IRS? Nine call centers employing as many as 700 people were where a highly organized scam was perpetrated on as many as 450,000 US taxpayers by 24-year-old mastermind Sagar Thakkar – now under arrest. In operation since 2012, at its height, the scam netted as much as $225,000 a day. So it’s hard to imagine that some member of the Bozo Brigade was able to get this idea past the Bureau of We Really Shouldn’t Do That. 

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Topics: Debt Collection, IRS Debt

Betsy Devos Undoes Protections for Student Loan Borrowers

Posted by Chad Van Horn on Apr 25, 2017 8:05:40 AM

It’s been an interesting couple of weeks for student loan borrowers, and by “interesting” I mean anxiety inducing. Betsy Devos, who has never attended a public school or a public college, but is now nonetheless the Secretary of Education, has rescinded regulations put in place by former President Barack Obama that would hold loan servicers to act in the best interests of their clients. These regulations were put in place by the former president’s administration after years of concern over the practices of a number of student loan servicers. With one memo to James Runcie – the COO of Federal Student Aid - the secretary made very clear just how much she values protecting borrowers versus how much she wishes to insulate to servicers from scrutiny of their practices.

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Topics: Student Loans

Servicemembers Civil Relief Act and Car Repossession

Posted by Chad Van Horn on Apr 14, 2017 7:00:00 AM

When it comes to car repossession cases, keep in mind that the car you buy on credit is a co-owned car. You own part of it, and the creditor owns the other part. The creditor owns progressively less as you pay off the loan, and after the loan is paid the car is 100 percent yours – in this way a car loan is exactly like a mortgage. Unfortunately, sometimes car owners can fall behind on their bills and that can trigger a repossession. In Florida, this type of procedure does not require any court hearings or even a notice of warning. They are authorized to enter onto private property, take the car, and either keep it or sell it after informing the debtor of their decision. However, military personnel has special protections just for them against repossession through the Servicemembers Civil Relief Act.

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Topics: Debt Collection

Another Hit to Retail, Payless Files Chapter 11 Bankruptcy

Posted by Chad Van Horn on Apr 12, 2017 9:57:38 AM

News of Payless Shoes filing chapter 11 bankruptcy hits Florida hard, with 50 stores being shuttered statewide, and putting hundreds of mostly low-wage people out of work.

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Topics: Bankruptcy, Chapter 11, Job Loss


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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