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.
Topics: About Our Firm
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.
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.
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who has never attended a public school or a public college, but is now nonetheless the Secretary of Education, has rescinded regulations put in place by former President Barack Obama that would hold loan servicers to act in the best interests of their clients.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.
Topics: Student Loans
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.
Topics: Debt Collection
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.
I have written extensively about how for-profit colleges cashed in on higher education and vulnerable populations, but NPR has taken the lid off with a new article and interview with Tressie McMillan Cottom. Cottom, a former insider who helped recruit students into the for-profit college that employed her. Her book, “Lower Ed: The Troubling Rise of For-Profit Colleges in the New Economy” is a close and troubling look at how in the last three decades, for-profit schools have sucked up vast amounts of federal student loans, student aid, and veterans’ benefits.
Topics: Student Loans
When struggling with debt, there comes a time when personal bankruptcy may be the best choice. The most well-known types are Chapter 7 and Chapter 13, but the former is most since it’s quick and simple.
Choosing to go forward with a bankruptcy filing is an extremely stressful time, but the best and first proactive step you can take is choosing an attorney. Although filing for Chapter 7 is the simplest and most straightforward type of personal bankruptcy, it’s still very complex and requires the expertise of a lawyer. Here are a few tips about what you can to do to prepare for a meeting with a Chapter 7 attorney.
There is a time when you have to wonder if anything is sacred. The Mai-Kai Restaurant on North Federal Highway popped up on my radar screen because of an article announcing that the Temple of Tiki was slapped with a $2 million-plus foreclosure suit. The news caused a wild flutter online, even as one of the restaurant’s principals claimed that the matter had been resolved by press time. The restaurant and its property are on the National Register of Historic Places, but that doesn’t guarantee all will be well.
Topics: Bankruptcy for Businesses
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.