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Dec 2015

Tonya is homeowner just two years after bankruptcy

Posted by / in After Bankruptcy, Virginia Bankruptcy /

Two years after bankruptcy, Tonya is as home owner.

Two years after bankruptcy, Tonya is a home owner.

Tonya M of Stafford Va, filed bankruptcy with me in January 2013. In May 2015, she was approved for a mortgage and bought a house.

Tonya M, of Stafford VA, came to see me in late 2012.  Her marriage had broken up, and she was working in a clothing store.  

Tonya was desperate.  She had just sold her engagement ring to keep herself afloat.  Her biggest problem was a $30,000 loan from Navy Federal Credit Union. She was also cosigner on a $7,000 card with USAA.  So far, her ex was paying that, but she was afraid he’d stop, then then then they’d come after her.  

She had never been a homeowner and never expected to be; she just wanted Navy Fed to leave her alone; and not still be worried about her ex paying the cosigned USAA card.

I told her bankruptcy would do that and more.  In three years, I told her, you can be back to good credit. 

“In three years you can be back to good credit–good
enough credit to get a car loan at 6.9% or maybe
lower–good enough credit, if the income is there, to
qualify for a mortgage and buy a place.”

Turns out, it didn’t take Tonya even three years to by a house after bankruptcy.

We filed Tonya’s Chapter 7 bankruptcy case in January 2013, and it was discharged April 25, 2013. 

In May, 2015, just two years after bankruptcy, Tonya was approved for a mortgage and bought a house.

So many people put off talking to a bankruptcy lawyer.  They are afraid if they file bankruptcy, they can never get anything.  For most people, that’s exactly backwards.  Tonya M would never had been able to buy that house, unless she filed bankruptcy.  Filing bankruptcy was what she needed to do, to fix her credit score and get her off the ex’s USAA card.  

If you are wondering if you should file bankruptcy, make an appointment with an experienced bankruptcy lawyer.   Don’t put it off.  Start toward your better future today.

Tonya still asked for my help.

That big Navy Fed debt, the one that got her to come see me, was still sitting on her TransUnion report.  Since both Experian and Equifax had it right, she had been able to get her mortgage.  But her TU score was lower than the others, and she wanted that fixed.

We got to work right away.

As part of my exclusive Five Year After Bankruptcy Warranty, I’ll fight for you, if discharged debts pop back up on your credit report.  No charge to you.  If they don’t fix it right away, I sue the creditor and credit bureau–and I send them the bill.  We get a couple thousand dollars for our clients, and a couple thousand as legal fees, doing that each month.  

And, of course, we get those after-bankruptcy credit reports fixed.          





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Jul 2015

Alexandria Bankruptcy Courthouse at 200 S Washington Street

Posted by / in Virginia Bankruptcy /

Here’s the Alexandria Bankruptcy Courthouse.

Most people who file bankruptcy never go to the courthouse.  Most people never see the actual bankruptcy judge.  

But complicated cases end up here, at the Alexandria Bankruptcy Courthouse, in front  of the Bankruptcy Judge.  It’s 200 S Washington St.  A real courthouse.  

Alexandria Bankruptcy Courthouse

Alexandria Bankruptcy Courthouse. 200 S Washington St.  This classic front entrance now is blocked off. You need to come in through security on the side door, Prince Street.


Judge Kenney’s court room is on the second floor.  Judge Kindred’s courtroom is on the third floor.


PS.  Are you looking for the bankruptcy “Meeting of Creditors,” that’s the hearing that all bankruptcy clients have to go to.  It is NOT here on South Washington.  Those bankruptcy hearings are at 1725 Dukes Street, #520, Alexandria,  More about that here.   

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May 2015

Cenlar Doesn’t Know Who They Send Bills To, or Why

Posted by / in Virginia Bankruptcy, Weekly Posts / No comments yet

Cenlar Doesn’t Know Who They Send Bills To, or Why

Cenlar is a mortgage servicer. On their website, Cenlar FSB claims to be “the nations leading loan servicing provider.”  What’s more, they say they have been…”actively engaged in mortgage loan servicing for more than 40 years.”

Cenlar wants you to know that they are big guys.  And that they know what they are doing.  Or so you’d think.


Cenlar FSB, the nation’s leading loan servicing provider, has been actively engaged in mortgage loan servicing and subservicing as a core business for more than 40 years.

Last summer, Cenlar upset two of my former clients.  They sent bills Matthew and Christine, saying they were $31,000 past due for a second mortgage on a foreclosed house, in Michigan, that had been wiped out in bankruptcy back in 2008.

Matthew and Christine were understandably upset. They thought this had been taken care of, now it was coming back to haunt them.

They wanted to know if I had messed up on something when I handled thier bankruptcy. I told them I’d take care of it, and that it looked to me like Cenlar didn’t know what they were doing.

Now everybody make mistakes.  But I promise my bankruptcy clients that if an old debt pops back up, I’ll still protect their rights.  Even if it’s seven years later. So I wrote up court papers saying Cenlar had violated the bankruptcy discharge, by trying to collect a discharged debt.  And that Cenlar violated the Fair Debt Collection Practices Act, trying to collect a debt that wasn’t legally owed.  I asked for a $1000 penalty.

I expected Cenlar to say, sorry, our mistake, but it was an accident, so no penalty.

Instead Cenlar denied knowledge of the whole thing!

Cenlar said they didn’t know who Matthew was, or where he lived.  (Even though they sent him the bill.)

Cenlar said they didn’t know who Christine was.  (They sent her the same bill.)

They said they didn’t know whether the bill was for the property in Michigan.  (The bill had the Michigan property address right on it; now Cenlar says they don’t know if that’s right?!)

And that they didn’t know whether the house had been foreclosed!

That’s not all

Cenlar even refused to admit they were the people who sent the bills to Matthew and Christine.

We don’t have to tell you, they said, whether we sent those bills.  You can look at the bills, they told me and the Judge, and figure out for yourself if it was us.

(Now it would be one things to say, that’s not our bill, Matthew and Christine faked it.  But to say, we don’t have to tell you whether that’s our bill.  Come on, guys?!)

Cenlar’s Cute Answer May Not Help Them

I guess Cenlar thinks this kind of B.S. makes them look clever, but actually they may have dug themselves in deeper.

They have said we don’t know who they send bills to, or what we send bills for.

Does a mortgage company want to put that in writing?  To a Judge? They just did!

And on the way to pleading stupidity, they also admitted another violation of the FDCPA. The FDCPA provides a $1000 penalty for harrassment, abuse and unfair methods to collect a debt.

Sending a bill to people you don’t know for a debt you don’t know about–that’s pretty clearly unfair harassment and abuse.  Another $1000 penalty.

I’ll Keep You Posted

This case is in the US District Court for the Eastern District of Virginia.

That Court is known as the “rocket docket.”  The Judges there say they run the fastest Federal Court in America.

By the end of the summer, Cenlar will have to explain themselves in more detail.  Will they stick to this BS of not knowing anything?  Or will they come up with a different excuse? I’ll let you know.

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