Sunday, 18 February 2018

Hurricane Harvey and your Mortgage Payments


As the flood waters begin subsiding over the next few days and recovery begins, we wanted to share a few important points about what happens if you are unable to make payments to your mortgage company, car lender, credit card companies, student loans, etc., due to Harvey:

1. A declaration of a disaster zone does not automatically suspend payments owed to lenders. Failure to timely make your payments will result in consequences.

2. The good news is that you can request help by contacting the individual companies. Many may offer assistance. If you have a federally backed mortgage, there may be specific programs available to help (contact your mortgage servicer for details).

3. You must request help, it is not automatic. You should not pay someone to do this for you. An offer of help for a fee may be a scam and it is important you know exactly what information is provided to your lender and exactly what they are offering.

4. Keep copies of all communications with your lenders, including e-mails, faxes and letters, and take detailed notes of your conversations with them.

5. If assistance is offered, make sure you fully understand the terms. When will your normal payments resume? How will the missed payments be repaid? Will there be any fees or late charges?

6. If assistance is offered, do not hesitate to follow-up with the company frequently to ask questions. Also always make sure you receive the agreement in writing!

7. If you have federally backed student loans, the U.S. Department of Education has directed lenders to offer repayment assistance to borrowers affected by Hurricane Harvey. You should contact your lender and can find more information here.

8. If you lost your job or are self-employed and have been unable to work you may qualify for disaster unemployment assistance from the Texas Workforce Commission. You can find more information here.

The information contained in this blog is for general information and educational purposes and is not legal advice. Reading these posts does not create an attorney/client relationship.

CONTACT:
Dove Law Firm, PLLC
1111 N Loop W #1115
Houston, TX 77008
Phone: (832) 509-3400
Fax: 832-559-0770
Business Email: rd@dovebankruptcylaw.com
Blog URL: http://dovebankruptcylaw.com/hurricane-harvey-and-your-mortgage-payments/
Website: http://dovebankruptcylaw.com/attorney-bio/




Monday, 2 October 2017

Houston Bankruptcy Attorney




I moved to Houston in 2003 to work as an engineer at Shell. After a few years I decided to change career paths and attended law school at the University of Houston. The summer after my first year of law school I worked an internship with bankruptcy Judge Jeff Bohm followed by an internship at Adair & Myers, PLLC doing mostly bankruptcy work. I enjoy bankruptcy law because it involves a little bit of many areas of law and allows interaction with clients. A lot of practicing bankruptcy includes counseling your clients and helping them get a fresh start.

I returned to Adair & Myers, PLLC the next summer to continue my internship and began working as an associate attorney after passing the bar in November 2008.

In the fall of 2009 I left Adair & Myers, PLLC to begin working for my mentor, Adam Schachter, at the Schachter Law Firm, P.C. to continue working as a bankruptcy lawyer. In the fall of 2014 Adam Schachter decided to retire and I began the Dove Law Firm, PLLC to carry on the client-centered method of practicing bankruptcy law that had been instilled in me

I also volunteer my time to co-teach a semi-annual class for attorneys called Bankruptcy Basics . This class is put on through Lone Star Legal Aide. In order to attend the class the attorneys must agree to take a pro bono case.

Education:
BS - Bachelor of Science from Ohio State University 2002
JD - Juris Doctor from University of Houston Law Center 2008

Experience:
Dove Law Firm, PLLC (Managing Partner) 2014 - Present
The Schachter Law Firm, PC (Associate) 2009 - 2014
Adair & Myers, PLLC (Associate) 2008 - 2009

Awards:
Pinnacle Award Winner from Better Business Bureau in 2017
Reader's Choice Awards from The Leader News in 2017
Best Bankruptcy Lawyers in Houston 2016 from Expertise in 2016
Pinnacle Award Winner from Better Business Bureau in 2016
BBB Award for Excellence from BBB in 2016
Reader's Choice Awards from The Leader News in 2016
Top Lawyers from Houstonia Magazine in 2016
Reader's Choice Awards from The Leader News in 2015
Most Pro Bono Cases Litigated - Southern District of Texas from Lone Star Legal Aid in 2015

Associations:
National Association of Consumer Bankruptcy Attorneys (Member) 2014 - Present
Houston Association of Consumer Bankruptcy Attorneys(Member) 2008 - Present
State Bar of Texas, Bankruptcy Law Section(Member) 2008 - Present

Practice Areas:
Houston Chapter 7 Bankruptcy Lawyer
Houston Chapter 13 Bankruptcy Attorney
Houston Home Loan Modification Attorney
Houston Debt Settlement Attorney

Contact:
Dove Law Firm, PLLC
1111 N Loop W #1115
Houston, TX 77008
Phone: (832) 509-3400
Fax: 832-559-0770
Business Email: rd@dovebankruptcylaw.com
Website: http://dovebankruptcylaw.com/attorney-bio/

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Hurricane Harvey and your Mortgage Payments

As the flood waters begin subsiding over the next few days and recovery begins, we wanted to share a few important points about what hap...