2020 Best Invention
Attorney Curtis Lee

Attorney Curtis Lee

Attorney and Writer

Curtis Lee is a writer and co-owner at Marvel Hill Freelance. Curtis earned his Bachelor of Science in Business from Wake Forest University and his Juris Doctor from Villanova University School of Law. After graduating law school, Curtis had the honor of clerking for a state court Judge in the Pennsylvania Court of Common Pleas. Following the clerkship, Curtis spent several years in private practice engaged in civil litigation handling first party property insurance matters. Most of Curtis’ writing covers a wide range of legal topics, including bankruptcy, criminal law, family law, immigration law, insurance, employment, defamation, and personal injury. He also has experience writing about other subjects, including education, finance, disaster preparedness, and the U.S. armed forces.


All ArticlesCredit IssuesEmploymentCarsConsumer RightsDebtsHousingLeasesProperty ExemptionsStudent LoansTaxes

Articles written by Attorney Curtis Lee

Can the Bank Repossess My Car?

This article provides an overview of the auto repossession process. It includes information about what a lender will do after they repossess your car, what legal rights you have, and the options you have available to get your car back.

Read More →

Help! I’m in Debt and I Need Relief!

If you’re struggling to successfully manage your debts, you should know that you’re not alone. Whether it’s student loans, medical bills, or credit card debt, there are several debt relief options available. Each option has its advantages and disadvantages and they don’t all work for all kinds of debts or all borrowers.

Read More →

How Foreclosure Affects Homeowners and Lenders

When you purchase a home with a mortgage loan, you sign papers agreeing to secure the loan with the property. A foreclosure happens if you miss too many payments and the lender decides to take back the property rather than wait for you to pay them the money they're owed. There are many types of foreclosures, but this article will focus mainly on the ones initiated by lenders and explain why they occur. We’ll also discuss how the foreclosure process works and what homeowners can do to prevent it.

Read More →

How To Avoid a Foreclosure Judgment

If you can’t get current with your mortgage loan, you can expect your lender to begin the foreclosure process. This often involves filing a foreclosure lawsuit and asking a court to issue a foreclosure judgment.

Read More →

Free Foreclosure Lawyers: How To Deal With a Foreclosure Without Money

The majority of home mortgage foreclosures happen because homeowners don’t have enough money and stop making their mortgage payments. But many times borrowers have a legitimate defense against foreclosure. Or they’re willing to accept the foreclosure but could use some help in making sure their rights are protected during the foreclosure process. If you can't afford to pay for a foreclosure defense attorney, there are other options you can use to help you through a foreclosure proceeding. You can handle the foreclosure on your own, set up a free consultation with an attorney, contact a free legal aid society, or look for a pro bono lawyer.

Read More →

Foreclosure Defense Lawyers: How They Can Help & What To Expect

If a lender is trying to foreclose on your home or real estate, you may be wondering if it’s worth hiring a foreclosure lawyer to represent you against the mortgage company. Before you decide to hire an attorney to handle your foreclosure, you’ll want to consider many factors. This article will address why you might want to hire a foreclosure attorney and if you do, what you can expect it to cost.

Read More →

When Does the Foreclosure Process Actually Start?

Foreclosure can be a confusing and complicated process. Each state has its own laws outlining the foreclosure process. Despite the differences, most foreclosures have a pre-foreclosure period. In this article, we’ll discuss the pre-foreclosure period and the major steps in the foreclosure process.

Read More →

What Is a Foreclosure Deficiency Judgment & How Does It Work?

A deficiency judgment is a court order granting a lender the right to collect a deficiency balance. A deficiency balance is the amount of money a borrower owes a lender even after the lender has foreclosed on the borrower’s home. This can occur if the property is worth less than the balance on the mortgage loan.

Read More →

Foreclosure Attorney Fees & Costs

Even in situations where you know foreclosure is inevitable, having an attorney can assist you with other goals like minimizing the damage to your credit score or negotiating foreclosure alternatives with the bank. But before you hire a foreclosure attorney, you need to be aware that it can get expensive. In this article, we’ll explain how these legal fees and costs work and what you should expect if you hire legal counsel for your foreclosure action.

Read More →

Voluntary Foreclosure: Could It Be an Advantage?

Voluntary foreclosures are often preferred over traditional foreclosures because they can save time, money, and stress for all involved. But despite these benefits, borrowers should carefully consider the potential drawbacks.

Read More →

How Does Repossession Work?

Repossession happens when a lender takes your property after you miss one or more payments on the debt secured by the property. There are different types of loans, and not all loans allow for repossession.

Read More →

The 2 Types of Real Estate Tax Sales — Know the Difference

A real estate tax sale occurs when a government entity puts a piece of real estate up for sale to recover past-due property taxes the owner hasn’t paid. There are two main types of tax sales: tax lien sales and tax deed sales. There are both state and municipal laws that govern tax sales.

Read More →

Can’t Afford Your Car Payment? Here Are Your Options

If you can’t afford to make your car payments, it might seem like losing your vehicle is inevitable. Thankfully, that’s not true. While your chances of keeping your car are better if you have a high credit score, you can avoid defaulting on your auto loan even if you don’t have the best credit history. You have several options, some of which will allow you to keep your car and others that require you to let it go. This article will examine what those options are.

Read More →

Do You Need A Mortgage Loan Modification Attorney?

There are reasons why you might want to modify the terms of a loan, but there are requirements you must meet in order to be eligible and things you must provide for the lender to consider your proposal. Learn how a loan modification attorney could help you through the process of preparing and negotiating with a lender and find out if employing a loan modification attorney could be a good option for you.

Read More →

How To Stop a Foreclosure

If you find yourself facing a foreclosure, it might seem like there’s nothing you can do to fight the process. But depending on your financial situation and the state you’re in, there may be several options to get back on track with your mortgage payments, reduce the impact on your credit report, or stop your lender from foreclosing on your home. This article examines the difference between judicial and nonjudicial foreclosures, the different stages of a foreclosure, and strategies you can use to stop a foreclosure.

Read More →

How To Get a Debt Consolidation Loan if You Have Bad Credit

If you’re struggling to pay off your debt, there are various forms of debt relief available. One common type is debt consolidation, combining two or more debts into a single account to make the debts easier to manage and to save money on interest payments. But, getting a debt consolidation loan can be difficult if you don’t have good credit or a high FICO score. That said, there are still multiple debt consolidation loan options for you to consider. Read on to learn more.

Read More →

Short Sale vs. Foreclosure: What’s the Difference?

If you’re a homeowner who is unable to make your mortgage payments, you might be facing the potential of foreclosure. One common method of avoiding the foreclosure process is a short sale. What exactly is a short sale and how is it different from a foreclosure? Are there any reasons to choose one instead of the other? And are there any ways to avoid foreclosure besides short sales? The following piece will answer those questions and offer additional information helpful to those who have fallen behind on their mortgage payments.

Read More →

How To Draft a Persuasive Debt Settlement Letter

Many borrowers face challenges with personal debts. Luckily, there are many debt relief options. Debt settlement is one of the most advertised and for good reason. It’s often used for credit card debts and allows borrowers with unmanageable debt to pay off one or more debts for less than the full amount. The creditor then forgives the remaining debt. This may sound too good to be true, but it’s not. How well it works for you will depend on your financial situation and whether you choose to hire a debt settlement company to help you or do the debt settlement process yourself. This article will explain how to handle debt settlement on your own and how to write the best debt settlement letter possible.

Read More →

Can I Pay Off My Student Loans Early?

One commonly asked question is if college graduates should pay off their student loans early. The short answer to that question is, “it depends.” This article will examine the various factors to consider before paying off student loans early. And if repaying student loans ahead of schedule is the right thing for you, we’ll also discuss how you can go about doing this.

Read More →

Is Debt Consolidation Right for You?

If you have several debts that you're struggling to keep track of, debt consolidation may be a good option for it. It allows you to combine multiple debts and make one monthly payment. You may also be able to lower your payment amount and/or interest rate. Two popular ways to consolidate your debt are a debt management plan or debt consolidation loan.

Read More →

How Does Debt Consolidation Work?

Debt consolidation allows you to simplify your debt repayment by combining multiple debts with a consolidation loan or debt management plan. This way you only have to make one monthly payment on the consolidated debt. Both consolidation options allow you to lower your interest rate and monthly payment, which also helps make your debt more manageable. This can help you make on-time payment and avoid missing payments.

Read More →

Does Paying Off Collections Accounts Improve Your Credit Score?

Having collections accounts on your credit report is bad for your credit score. But paying off your collections accounts may not improve your credit score. It will depend on which credit scoring model is used to calculate your score and what other items are on your credit report. That said, there are many good reasons to pay off accounts in collections, even if you don't see an immediate bump to your credit score.

Read More →

Debt Management or Debt Settlement: Which Is Better?

Debt management is a way to reorganize your debt and make it easier to make your monthly payments. Debt settlement is a way to negotiate an agreement with a particular lender to pay less than what you owe but have the account be considered paid in full. Deciding which is better for you will depend on what kinds of debt you have and whether or not you're able to make a large payment (debt settlement) or just need more manageable monthly payments (debt management).

Read More →

Smart Money Moves if You Have a 400 Credit Score

Having a good credit score means it’s easier to get approved for a loan, land a job, and find an apartment. It also means that you can save a lot of money with lower interest rates and insurance premiums. Unfortunately, a poor credit score, such as one around 400, can make it harder to get good terms on a major credit purchase such as a car or a house, if you can get approved for terms at all. It might feel like there’s a lot of bad news for people with a poor credit history. But the good news is that with a bit of patience and sound financial decision-making, you can increase your credit score. This article will discuss what it means to have a 400 credit score, how it affects your chances of getting approved for loans or housing, and what you can do to improve your score.

Read More →

How to Handle a Late Credit Card Payment

The good news is that as long as you don’t make a habit of making late credit card payments, having a single late credit card payment won’t have a significant negative effect. This article will cover the effects of making a late payment, how to contact your credit card company to address late payments, and how they will impact your credit.

Read More →

What Are My Rights When a Debt Collector Is Threatening To Sue Me?

Being sued by a debt collector can be a scary thing, but you have rights that protect you from harrassment and abusive collection practices. These rights and the rules debt collectors must follow are outlined in the Fair Debt Collection Protections Act. Learn what they mean for you and how to respond to a debt collector that has violated these rules. Also, find out what steps you can take if a debt collector has filed a lawsuit against you.

Read More →

Using Debt Validation and Debt Verification Letters

Despite the similar-sounding names, these are two different types of letters. It’s easy to get them confused, so you need to make sure you’re using the terms properly to take full advantage of your legal rights.

Read More →

9 Strategies You Can Use To Pay Off Debt

We all want to get rid of our debts, but paying them off soon isn’t a practical option for many of us. Having a solid strategy can help you make progress with your debts and regain control of your finances. But some strategies work better for some types of debt than others. Here are nine strategies you can use to get started with paying down your debt faster.

Read More →

My Unemployment Was Denied in the Middle of the Pandemic!

Your claim for unemployment benefits could get denied for several reasons. But the arrival of the coronavirus public health emergency has meant that it’s been harder for unemployment offices to deny unemployment claims. But despite the expansion of unemployment eligibility in the United States, your claim could still get incorrectly denied. If this happens, there’s an appeals process to confirm if the decision to deny your claim was correct. In this article, we’ll explain how Congress and states expanded their unemployment insurance programs. We’ll also examine why your state’s unemployment agency might deny your request and how you can appeal that decision.

Read More →

Which Debt To Pay Off First?

If you’re looking to pay off debt, there’s a good chance you have more than one to choose from. So which debt do you focus on first? There are many factors to consider, such as interest rates, debt size, and type of debt. Another important factor is the status of your personal finances. This article will examine these factors, how they affect which debt you should pay off first, and identify some strategies to help you pay off your debts.

Read More →

How Is Unemployment Calculated?

There are several factors to consider when determining unemployment. These factors affect your eligibility as well as how much unemployment you can receive. When applying for unemployment, be sure to carefully review your state’s unemployment rules. Here are some general guidelines to give you a rough idea of what to expect.

Read More →

Debt Lawyers: Who Are They & What Do They Do?

A debt settlement lawyer can help you find the right debt relief program and apply for it. A lawyer can also represent you if you get sued. Finally, they have plenty of experience to negotiate and communicate with debt collection agencies and lenders.

Read More →

Debt Relief Scams & How To Avoid Them

When it comes to debt relief, there are two ways you can get scammed or ripped off. First, the scammer will promise to help you with your debt for a significant fee. Then, after you pay the high fees, they run off with your money. Second, the scammer helps reduce some of your debt. However, any debt relief gets outweighed by the fee you had to pay, along with new interest and penalties. To help you identify these dishonest debt-relief providers, keep an eye out for the following signs.

Read More →

Help! A Creditor Has a Judgment Against Me!

If you have outstanding debt, it could lead the creditor to sue you and if the lawsuit results in a judgment, they become a judgment creditor. In that case, you become a judgment debtor. But what exactly is a judgment and what does that mean for you? The purpose of this article is to answer that question. We’ll also provide an overview of civil judgments and collection efforts, especially those arising from debt collection litigation.

Read More →

Rent Payment Delay: Options For Tenants

If you’re facing late fees because you’re behind on your rent, you may be worried about receiving an eviction notice. Fortunately, there are tools at your disposal to help you avoid eviction. You can also familiarize yourself with the regulations put in place to protect renters during the Covid 19 pandemic.

Read More →

Guide to Foreclosure — Important Questions & Answers

Many homes and other real estate in the United States have been purchased using mortgage loans. Having a mortgage means that the borrower has legal ownership of the property, but the property serves as a collateral to secure the loan. If homeowners don’t make their mortgage payments, their property may become subject to foreclosure. In this guide, we’ll provide an overview of foreclosures, including how they work and ways that homeowners can defend themselves during the foreclosure process.

Read More →

Can I Sell My House Before Foreclosure?

Foreclosures are lose-lose propositions for almost everyone involved. The good news is that there are several ways to avoid a foreclosure. One of the best options is selling the property before a foreclosure action is complete. In this guide, we’ll explain how you can sell your house to avoid completion of the foreclosure process. We’ll also discuss other options you can consider if selling your house for a profit isn’t possible at this time.

Read More →

When Is An Eviction Illegal?

If you’re a tenant, your landlord has a right to evict you in certain situations. For example, nonpayment of rent or destruction of rental property could result in a lawful eviction. No matter why your landlord chooses to evict you, the eviction must follow state eviction laws. If your landlord does not follow procedures as required by state law, even if they have a proper reason for evicting you, they could be guilty of committing a crime in violation of state law. Let’s take a look at what may happen if your landlord illegally forces you to vacate a rental unit in violation of state law.

Read More →

Can I Settle My Tax Debt With The IRS For Less?

Few debts are as difficult to deal with as back taxes, so it’s sometimes surprising to learn that there are several methods available to reduce your tax liability with the IRS for less than what you owe. This article will explain what these options entail, how they work, and other information to help you decide if they’re options that you should consider when dealing with your tax bill.

Read More →

What To Expect If Your Landlord Is Facing Foreclosure

Despite most states providing substantial tenants’ rights, leases generally don’t offer renters the type of legal protections that landlords have during a foreclosure. If you’re a tenant going through this stressful experience, here's an overview of what to expect, including what your legal rights and obligations are and how they interact with the rights of the old owner and new owner of the rental property.

Read More →

Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

Close

Considering Bankruptcy?

Try our 100% free tool that thousands of low-income families across the country have used to file bankruptcy themselves. We are funded by Harvard University, will never ask you for a credit card, and you can stop at any time.

Get Your Fresh Start