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Author: Bruce Perrone



January 23, 2017

Loan Acceleration

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You’ve fallen behind on your monthly payments for a car, house or another type of loan. Now the creditor is threatening to accelerate your loan. Loan acceleration is when the creditor says “no more monthly payments. You owe us the whole outstanding amount of the loan, in full, immediately.” It usually means the creditor’s going to repossess the car, and maybe also sue you for the amount owed.



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December 19, 2016

Installment Land Sales Contracts

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In an ordinary house or land sale, the title is put in the buyer’s name on the date of sale. But with an Installment Land Sale Contract, the buyer doesn’t get the title to the land until all payments have been made. No down payment, no bank delays, no closing costs, no lawyer fees. Just move in and start paying and when you pay it off, they’ll give you the title.



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November 29, 2016

Creditor Harrassment

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Are you getting phone calls from someone who says you owe them money? Have you fallen behind on your loan payments and now creditors are calling you, over and over, day and night? What do you do if you don’t owe the money the debt collector is trying to collect? Can you do anything to stop the debt collector from contacting you? If the creditor or bill collector has followed the rules and limits, there is not much you can do. But if the creditor or bill collector has broken the rules, there may be a lot you can do.



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October 25, 2016

Child Support in West Virginia

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Child support is money that a parent pays to help support a child that does not live with them most of the time. The child might live with the other parent, or with someone else. Under West Virginia law, every child has the right to be supported by both parents and this can be a big issue for many parents.



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September 28, 2016

Domestic Violence

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In 2010, 12,661 domestic violence offenses were reported to law enforcement in West Virginia. Often when hearing the term “domestic violence,” we think of physical acts, but it comes in many forms—and all of them are ugly. Physical violence. Sexual violence. Threats. Psychological abuse. Harassment and stalking. Confining someone against their will. Manipulative, controlling behavior.



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August 15, 2016

Repossession of Assets

You’ve fallen behind on your car payments, or you couldn’t afford to pay the rent-to-own place this month for your television payment. The creditors are calling. They say they’re going to repossess. Can they do that? Do you have any protection? Are there steps the creditor has to take before repossessing?



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