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Brandon, FL (Law Firm Newswire) April 13, 2016 – Title lenders are coming under fire from the federal government and ordinary Florida citizens. The lenders issue loans to individuals using titles to the borrowers’ automobiles as collateral. Despite existing state law limiting certain controversial practices, the companies remain under scrutiny for what some call predatory lending. Federal regulators may weigh in on the matter soon, and at least one Florida couple is suing one of the state’s biggest lenders. Reggie Osenton, a Tampa bankruptcy attorney, strongly cautions against borrowers turning to title lenders. “Even the best of these lenders have […]


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Brandon, FL (Law Firm Newswire) March 28, 2016 – Florida and other states are set to receive additional federal foreclosure aid funds five years after the initial grants. The Hardest Hit Fund was created in 2010 to help states with high rates of home foreclosures. A federal report last year found that Florida had both the slowest disbursement of funds and the lowest rate of acceptance of applicants. Now, Florida and other states are set to receive additional funds and an extended deadline for disbursement. “Florida is getting a second chance,” said Reggie Osenton, a bankruptcy attorney in Tampa. “We […]


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Brandon, FL (Law Firm Newswire) February 17, 2016 – A pair of recent cases show bankruptcy courts may be increasingly receptive to discharging student loans. In December 2015, the 8th Circuit Bankruptcy Appellate Panel approved the discharge of 11 of 15 student loans Chelsea Conway owed to a private lender. Also in December, a Missouri bankruptcy court discharged the entirety of Michael Abney’s federal student loans, even after an income-based repayment plan absolved him of any current payments on the basis of a lack of disposable income. Reginald Osenton, a Tampa-area bankruptcy attorney, said the cases show courts are beginning […]


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Brandon, FL (Law Firm Newswire) February 8, 2016 – Bankruptcy preparers who charge a fee to help with bankruptcy filings are getting into trouble with the law for providing legal advice. Bankruptcy law is complex, and even filling out the forms correctly can be a challenge for many. In an effort to save on legal expenses, many individuals may be tempted to hire a preparer instead of a bankruptcy attorney. But it is illegal for preparers to give legal advice. “Only an attorney can provide legal advice as part of a service for which a fee is charged,” said Tampa […]


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Brandon, FL (Law Firm Newswire) December 30, 2015 – The Consumer Financial Protection Bureau recently finalized a rule that overhauls the disclosures that mortgage lenders are required to make to borrowers. The rule, called “Know Before You Owe,” replaces four disclosure forms with two new ones. They are the Loan Estimate and the Closing Disclosure. The new forms are intended to be easier to understand and must be provided to the borrower three business days before closing. O. Reginald Osenton, a bankruptcy attorney, said he thinks the new forms are an improvement. “Understandable disclosures are vital to having informed consumers,” […]


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Brandon, FL (Law Firm Newswire) December 10, 2015 – A recent government report says Florida lags behind all other states in disbursing federal funds to families affected by the housing market crash. The Hardest Hit Fund, part of the Troubled Asset Relief Program, or TARP, was created by the federal government in 2010. It is aimed at mitigating the effects of the steep drop in the housing market, the ensuing financial crisis and high unemployment. O. Reginald Osenton, a bankruptcy attorney in Brandon, said that he is not surprised at the report. “I know first hand that Florida families are […]


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Brandon, FL (Law Firm Newswire) October 28, 2015 – Those who repeatedly file bankruptcy in an effort to stop foreclosure on their homes may find their tactics thwarted in Tampa, Florida. Tampa area bankruptcy judges found that some people were taking advantage of a taxed and overloaded bankruptcy system by filing bankruptcy again and again, each time bringing a stop to foreclosure proceedings. A procedure was put in place by which a judge can order anyone filing a third time to show cause why they should be allowed to proceed. O. Reginald Osenton said that while he supports efforts to […]


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Brandon, FL (Law Firm Newswire) September 30, 2015 – A recent U.S. Supreme Court decision is good news for Chapter 13 bankruptcy filers who convert their cases to Chapter 7. Chapter 13 bankruptcy allows debtors with regular income to reorganize their debts and make regular, manageable payments on them under a court-approved plan. However, many such cases are never completed. Bankruptcy attorney O. Reginald Osenton explains why. “Often, the debtor is eventually unable to make the payments,” Osenton said. “Other times, the issue that caused the individual’s financial trouble goes away. In the former case, the debtor’s next step often […]


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Brandon, FL (Law Firm Newswire) September 29, 2015 – Bank of America and JPMorgan Chase agree to change how they report debts discharged in bankruptcy. Many borrowers know the stress of being unable to pay one’s bills — the constant phone calls from collectors, the fear and uncertainty about the future. Those who turn to bankruptcy do so in the hopes that it will enable them to turn their lives around, and it does provide substantial relief. But their credit reports do not always tell the whole story. Bankruptcy attorney O. Reginald Osenton says inaccurately reported discharged debts on credit […]


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Space is very limited. Join the CLM Conversation in Tampa, FL on May 13, 2015 REGISTER NOW Tampa, FL (Law Firm Newswire) April 21, 2015 – Custom Legal Marketing is launching a new nationwide series called CLM Conversations. The event promises to be everything attorneys can’t get from a crowded convention, offering attorneys a chance to have a real conversation about their online marketing with a CLM expert, entirely free and without the pressure to sign a contract on the spot. To start the nationwide tour, Custom Legal Marketing is heading back to its hometown: Tampa, Florida. The first of […]


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Tampa, FL (Law Firm Newswire) December 22, 2014 – Bigger Law Firm magazine’s newest issue provides attorneys and law firms with the latest inside information they need to stay on the cutting edge of online marketing and technology. As the tech landscape changes, BLF helps attorneys adapt their marketing strategies to stay ahead of the latest developments. In this issue, Brendan Conley examines digital signatures with the article, “Save Time by Signing Digitally.” In online commerce, click-through agreements have quickly become ubiquitous, but some legal documents still require a “blue-pen only” paper signature. In the many in-between areas, paper signatures […]


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Tampa, FL (Law Firm Newswire) December 18, 2014 – Featured in the latest issue of Bigger Law Firm (BLF) magazine is a series of seriously helpful articles to help a busy law firm grab hold of new and promising developments. Find out how a law firm can maximize its exposure by using LinkedIn’s newest and very powerful free blogging platform. Kerrie Spencer explores the useful long-form post and how it becomes a part of a law firm’s profile. Launched in early 2014, the new platform is an ideal way to help build authority in a legal niche, such as medical […]


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Brandon, FL (Law Firm Newswire) September 3, 2014 – There are tax implications involved with filing for bankruptcy. Individuals faced with overwhelming debt often consider filing for bankruptcy. The debts discharged in bankruptcy can include taxes, but Brandon, Florida bankruptcy attorney O. Reginald Osenton warns that rules and limitations apply. “The good news is that some taxes can be discharged in bankruptcy proceedings,” said Osenton. “However, it is important to be aware of the limits that apply.” First, Osenton notes, people considering filing for individual bankruptcy should know that if they are going through a tax audit, the bankruptcy will […]


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Lincolnshire, IL (Law Firm Newswire) May 23, 2014 Lincolnshire, IL (Law Firm Newswire) May 23, 2014 – At its Conference & Expo in Toronto this week, the Association of Legal Administrators (ALA) inducted its board of directors for 2014-15. Leading the association and serving as President for 2014-15 is Paula Barnes of Burr & Forman in Nashville, Tennessee and Paul Farnsworth of Woods Oviatt Gilman, LLP in Rochester, New York continuing his service as Past President of the Board. The Board includes the following individuals: President: Paula K. Barnes Burr & Forman, LLP Nashville, TN President-Elect: Teresa Walker Waller Lansden […]


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Sioux City, IA (Law Firm Newswire) March 28, 2014 – The Law Offices of Crary, Huff, Ringgenberg, Hartnett & Storm, PC are pleased to announce that Jeremy Saint has been made a principal with the law firm. Jeremy has been with the firm since 2007 and practices primarily in, but is not limited to, the areas of real estate, business and corporate law. He is a member of the Iowa State Bar Association and the Woodbury County Bar Association. He is a 2007 graduate of the University of Iowa College of Law, where he graduated with high distinction. Jeremy received […]


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Participants are paid to review branding material and provide feedback on proposed designs. San Francisco, CA (Law Firm Newswire) March 18, 2014 – When law firms rebrand, create new marketing literature or design a new website, they want to know what their target market thinks. Anyone who has hired a lawyer in the United States after 2004 can now receive compensation for participation in a Custom Legal Marketing focus group. To qualify, a focus group participant must have retained a lawyer within the last 10 years. Both the focus group member and the retained attorney must have been (and be) […]


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Brandon, FL (Law Firm Newswire) August 15, 2013 – A judge’s approval of Kodak’s plan to repay its creditors has put the company one step closer to emerging from Chapter 11 bankruptcy. Eastman Kodak Co. filed for bankruptcy protection in 2012 after getting left behind by the digital photography revolution. In addition to the repayment plan, Judge Allen Gropper also approved documents that Kodak will send to its many unsecured shareholders to persuade them to sign onto the company’s plan to continue as a much smaller, but profitable, enterprise. “Chapter 11 bankruptcy is a crucial tool for struggling individuals and […]


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Des Moines, IA (Law Firm Newswire) July 9, 2013 – Students having difficulty paying their student loans may qualify for some type of relief to assist them. Usually, student loans are not discharged as a result of filing bankruptcy. However, there may be relief in the form of income based payments, graduated payment plans, deferment or forbearance, remarked Iowa bankruptcy lawyer, Kevin Ahrenholz. It is important for a student in a cash crunch to take action with regard to their loan before it is considered to be in default. Waiting for a student loan to default and not doing anything […]


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Des Moines, IA (Law Firm Newswire) July 2, 2013 – While many people are tempted to get a pay day loan to help them through a tough cash flow period, financial experts warn this is not a smart fiscal move. The debt load faced by the majority of U.S. citizens is staggering. Most debt currently overwhelming these households originates from debts relating to home mortgages, credit card charges, large medical bills and other personal liabilities. Because so many people find they need more cash on hand, they resort to applying for a payday loan. Most major cities and even some […]


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Brandon, FL (Law Firm Newswire) June 24, 2013 – Florida’s implementation of a federal mortgage assistance program is being investigated by federal officials. The Hardest Hit Fund is a federal program to provide $7.6 billion to the 18 states most severely affected by the housing bubble. Many families are deeply “underwater” on their homes, meaning they owe more than the properties are worth. Although Florida state officials have prioritized the reduction of the size of homeowners’ mortgages as a form of assistance, it seems few homeowners have been helped that way. “The housing crisis is still being felt throughout Florida,” […]


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