NACBA 20th Annual Convention: San Antonio, TX

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I have been a member of NACBA (National Association of Consumer Bankruptcy Attorneys) for quite some time and was able to attend the 20th annual convention this year which was held in beautiful San Antonio, TX. I would strongly suggest that you bookmark the NACBA site as a resource for … Continue reading

Frank Coxwell, Guest of MPB Show “Money Talks”

Truth Behind Bankruptcy

Air date 04/03/12  
 
To listen to the full hour interview - click here

 

Attorney Frank Coxwell joins the show to tell the truth behind bankruptcy. Does it ruin your credit and life or save it? Which chapter should you file? Who should you consult?

I had the priviledge of being invited as a guest to the Mississippi Public Broadcasting (MPB) show - Money Talks – on April 3, 2012.  We spent an hour discussing bankruptcy and taking calls/emails from listeners. I highly recommend this show for anyone interested in the topic of finances.  Save this link to their home page as a favorite – you’ll gain a lot of very useful information and you’ll enjoy the hosts!   Thank you Kevin, Chris, and Nancy!  Hope to join you again soon.  

Money Talks focuses on personal finance as it applies to Mississippians. In any given week, we’ll talk about anything from preparing your taxes to saving for college or investing in the stock market. Chris Burford, financial education specialist for Consumer Credit Counseling and Nancy Lottridge-Anderson, Assistant Professor of Finance at Mississippi College, President of New Perspectives, Inc. and author of Tough Talk for Tough Times, join Kevin Farrell in the studio to answer your personal finance questions about family budgeting, retirement savings, Social Security, investments, debt management and more. Email the show at anytime at money@mpbonline.org. Money Talks airs Tuesday mornings at 9 on MPB Think Radio. 

Frank w/host Kevin Farrell

Frank live on Money Talks

Live Interview with Fox 40 AM Co-Host Lindsey Slater

    This morning (March 14, 2012) I had the pleasure of sitting down with Fox 40 AM co-host Lindsey Slater to discuss the process of foreclosure in Mississippi in order to raise consumer awareness.  Not many people know that Mississippi is a non-judicial state, meaning that the courts do not oversee the foreclosure process.   The mortgage company must run a foreclosure notice for at least 3 weeks in the paper, the sale takes place the 4th week, and you’ve lost the house.  But more importantly, we discussed how people can stop a foreclosure and SAVE their home. 

I want to thank Fox 40 AM again for having me on their show!

I am Offering 2 Sessions in the Millsaps 2012 Spring Enrichment Series – Open to the Public

This year I have the priviledge of participating in Millsaps College Continued Education program – 2012 Spring Enrichment Series that is open to the public.  I will be hosting two sessions under the section “Money & Business”.  Click here to register 

“Who Owns your Home? Mortgage Securitization in Mississippi” will be a 2 class session

April 5 & April 12 from 6:00pm – 8:00pm. Millsaps Tuition Cost: $40.00 per person.

I will present an overview of today’s home mortgage loans. You will learn about the note, deed of trust, mortgage securitization, and modification programs.  You will also discover who really owns your loan and why your mortgage company would rather foreclose than continue to accept your monthly payments.

“The Truth About Bankruptcy” will be 1 class session

April 14 from 10:00am – Noon.  Millsaps Tuition Cost: $25.00 per person.

Bankruptcy is one of the most powerful sets of consumer protection laws in this country.  You have heard all the myths about bankruptcy and now you can hear the truth.  This course will cover the various types of bankruptcy with emphasis on Chapter 7 and Chapter 13. We will review the advantages of each type.

Why am I doing this? I have practiced law in Jackson, helping Mississippians for over 33 years. I have limited my practice to consumer protection matters, consumer bankruptcy & foreclosure defense.  I am a frequent speaker at seminars for attorneys on bankruptcy & mortgage issues and feel that offering education to the public on the protection available to them in these areas was very much needed. I am a firm believer that knowledge is power.

Is There A Foreclosure In Your Future?

Mississippi is leading when it comes to mortgage delinquencies. In October 2011, there were more homeowners in Mississippi behind on house notes than in any other state of the union.

The Mortgage Bankers Association reported that there are 4.2 million homeowners across the nation more than 90 days late on their house note or are already in foreclosurStop foreclosuree status. Is this the indication of us being on the road to recovery that the media would us believe?

The fact is that mortgage service companies are not willing to provide modifications to help homeowners and as a result, foreclosures continue to rise. If you want to save your house, you cannot wait until the last minute, thinking a modification will come through.  Get your documents together and meet with a lawyer now that handles bankruptcy and foreclosure defense to learn what options you have available.  Get the information now  – before you need it.  Be prepared.  Plan ahead.  Think about it – what good is buying car insurance after the wreck? I continually meet with people that come in after the foreclosure sale date is set trying to figure out what they can do. In most cases we can still help and save the house, but it would have benefited the people so much more to have met with me as soon as their payments started falling behind.  Timing matters – and knowing your options is worth it’s weight in gold.  If you’re online, researching foreclosure because you’re worried about losing your home, the time is NOW to speak with someone. The most important thing is to save the home. There are options – the longer you wait, the less options there may be.