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Resources

Here are a few resources that may be helpful. US Federal Court Bankruptcy Resources Glossary of Legal Terms National Association of Consumer Bankruptcy Attorneys United States Northern District of Texas

Where does that leave the HOA?

I was reviewing some information and came acros some interesting issues regarding liens and HOAs.  It seems that when the builder is working the house and before the home is acutally sold the HOA establishes its lien.  So essentially they have a superior lien to the first mortgagor.  However, because of the subordination clause the…

In the beginning…

We live in a fallen world where life isn’t always easy.  In fact, sometimes, it’s downright horrible.  Divorce.  Crime.  Financial Problems.  Civil Suits.  Death. Divorce rates vary but statistically hover between 40-50% of all first marriages.  Additional statistics push secondary marriage divorces as high as 60%. In 2004, more than 1.5 million bankruptcy cases were…