Author Archives: Daniel J. Winter, Esq.

Can missed mortgage payments be put into a Chapter 7 as a way to catch up with a mortgage?

Posted on June 19, 2013

This is a question that was asked on AVVO.com: Can missed mortgage payments be put into a chapter 7 as a way to catch up with the mortgage? I am underwater due to medical bills and was unable to pay … Continue reading →

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Bankruptcy Lawyer Reviews- Why are they Important?

Posted on June 1, 2013

I’ve been an attorney for over 20 years, and over the years, I realize that when people pick an attorney, they have no idea whether one attorney is more qualified than another to help them. Many of my clients have … Continue reading →

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Student Loan Interest Rates – a Ticking Time Bomb

Posted on May 27, 2013

On July 1st, subsidized student loan interest rates are set to double, from 3.4 percent to 6.8 percent. So far the House has passed a bill which would address the issue, and tie the rates to the Treasury’s borrowing rates. … Continue reading →

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Credit Repair? Is it for Real? No!.

Posted on May 21, 2013

Almost all “Credit Repair” schemes you see are frauds. The article: What do you mean there is No Credit Repair Fairy?” is dead on. We’ve all seen the ads- fix your credit, repair your credit now! Don’t buy it! http://mesquitemoney.org/what-do-you-mean-theres-no-credit-repair-fairy/ … Continue reading →

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Looking for a Job— Bad Credit Can Haunt You

Posted on May 13, 2013

The country is trying to recover from recession, and it just seems more difficult for casualties of the economy. If you lose your job and try to find a new one, many employers will check your credit. It becomes a … Continue reading →

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Zombie Foreclosures—Scary for Many Reasons!

Posted on April 24, 2013

Here’s the latest trend in foreclosures and real estate– Zombie Foreclosures. See this article from the Chicago Tribune: http://www.chicagotribune.com/classified/realestate/foreclosure/sc-cons-0418-umberger-20130419,0,2297043.column What is a “Zombie” foreclosure? It’s where the foreclosure has started, the owners often leave the house empty, but the bank … Continue reading →

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An Oldie but a Goodie- How much does it Cost to File Bankruptcy?

Posted on April 20, 2013

This is a question that is very hard to answer without an attorney meeting with you. The legal fees and court costs of a bankruptcy are the last part of the process. First, the attorney needs to know which companies … Continue reading →

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Do I Have to Pay Taxes on Debts I Included in Bankruptcy?

Posted on April 13, 2013

Hopefully, you have filed your taxes by now, but if you haven’t, you could still file for an extension to October 15th. (By the way, the extension doesn’t extend the due date for the payments!) Many times people who file … Continue reading →

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What is an In Rem Judgment in a Foreclosure?

Posted on April 1, 2013

This question came from Avvo.com: My condo was sold at sheriff’s auction and the foreclosing bank was the purchaser. I have received Notice of Motion for Order Approving the Sale.It says “That there shall be an IN REM deficiency judgment … Continue reading →

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Announcing Our New Gurnee Office Location

Posted on March 12, 2013

If you are in the northern Lake County area, we can meet you at our new Gurnee office. So you can call to discuss your situation and set up a free first consultation with an experienced bankruptcy and foreclosure defense … Continue reading →

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