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WHY YOU SHOULD HIRE JOE ROMANO

WHY YOU SHOULD HIRE JOE ROMANO

When You Call My Office, I Answer The Phone. I want you to call me. I am not ashamed of wanting your business. I like what I do for a living.; I find bankruptcy law interesting. And, I want to help you. That’s why I answer the phone when people call. Most of the time […]

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What is the Title Defect Rescission Fund and why does it matter?

What is the Title Defect Rescission Fund and why does it matter?

Licensed Ohio motor vehicle dealers are required to participate in a program called the Title Defect Rescission Fund (TDR), which helps consumers who are unable to get a certificate of title in their name. To help ensure that your next car purchase goes smoothly, you should consider doing business with one of the TDR member […]

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Two Easiest Things To Do To Improve Your Credit Score After Filing Bankruptcy

Two Easiest Things To Do To Improve Your Credit Score After Filing Bankruptcy

Apply for one (1) credit card. Use it to pay for gasoline for your car. Take the $25 – $50 cash that you were going to use to pay for the gas and put it in the cookie jar. When the credit card statement comes in the mail, pay the bill off IN FULL. Why […]

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GOOD ATTORNEYS CAN TALK…. GREAT ATTORNEYS LISTEN

GOOD ATTORNEYS CAN TALK…. GREAT ATTORNEYS LISTEN

My phone rings all the time by potential clients asking the same questions over and over… I saw your ad in the paper, or I found your website online… “How much do you charge?” That’s a good question. But, is that the first question you should really be asking when you’re talking about hiring a […]

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A Summary of the Supplemental Directives of the Home Affordable Modification Program (HAMP)

A Summary of the Supplemental Directives of the Home Affordable Modification Program (HAMP)

The Home Affordable Modification Program (HAMP) Supplemental Directive 10-02 addresses the problem of foreclosure referrals and proceedings continuing during HAMP review, borrower solicitation for HAMP, and reasonable efforts by the servicer to contact investors. These changes can be read in addition to HAMP Supplemental Directive 10-01. These changes do not become effective until June 1, […]

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Seeking HAMP in Bankruptcy

Seeking HAMP in Bankruptcy

Part III of a three part series Written by Craig D. Robins, Esq. Can I Seek HAMP Relief If I am in Bankruptcy? Debtors in active bankruptcies are eligible for HAMP but it is up to the discretion of the servicer. This is a significant concern because Chapter 13 debtors have no guarantee of getting […]

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Warning about HAMP

Warning about HAMP

Part II of a three part series Written by Craig D. Robins, Esq. (republished with permission) Here are two types of horror stories I’ve been hearing from some recent clients about their HAMP experiences. First, the homeowner applies for HAMP relief but does not receive a timely response from their mortgage servicer. In the meantime, […]

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Bankruptcy Issues Involving HAMP

Bankruptcy Issues Involving HAMP

Bankruptcy Issues Involving HAMP The Home Affordable Modification Program Part I of a three part series Written by Craig D. Robins, Esq. (republished with permission) What Is HAMP? HAMP (the Home Affordable Modification Program)is one of President Obama’s initiatives to make a dent in home affordability by using the economic bailout program. It’s a quasi-voluntary […]

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34 DON’TS in preparing to file a Chapter 7

34 DON’TS in preparing to file a Chapter 7

Do Not leave out any Bank, Checking, Savings, Credit Union or brokerage accounts. Do Not file if your income is greater than your expenses. Do Not use your credit cards. Do Not take credit card cash advances. Do Not use convenience checks offered from any credit cards. Do Not do balance transfers between credit cards. […]

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