Ed Boltz's guest appearances

Ed Boltz

The Monti Podcast

Orcutt Answers

Aaron Nelson

Monica Byrne

Jake Fehling

David Gessner

Elizabeth Edwards

Jason Torchinsky

Mike Harris

Amy Scott

Tom Ferguson

Erin Brown

Steve Daugherty

Lee Smith

Leslie Williams

Curtis Taylor

Eddie Martinez

OwlTail

Attorney Ed Boltz can’t stress this enough: getting out of debt is always easier with the help of an expert.“There are so many traps and pitfalls in bankruptcy that you can bumble into without even knowing,” he says. “And then the cost of fixing that, both in terms of money and sweat and blood and tears, it can be much higher than if you went to somebody who's dealt with these [matters] before.”In the second episode of Orcutt Answers, our host Shawn Orcutt welcomes Ed, a partner at The Law Offices of John T. Orcutt and Vice President of the National Association of Consumer Bankruptcy Attorneys, to discuss what’s happening with mortgages in the era of COVID-19, the mortgage outlook for 2021 and your options for saving your home from foreclosure, the latter of which now includes a program known as Loan Modification Management (LMM).The episode also offers advice for what to look for in a lawyer and insight for people struggling to cover rent, student loan, and car payments during the pandemic.“I think the advice is come get more advice, sooner rather than later,” Ed says. “If you're struggling with your mortgage, if you're struggling with your car payments, if you're struggling with your other debts, talk to us first, because whether it's dealing with the stimulus check that may be coming out soon, we can help you advise you what to do with that money so that you get the maximum benefit. Before you go and sell assets or repay family members, there are ways that we can help.”☑️ Featured Expert ☑️Name: Ed BoltzWhat he does: As a partner at the law offices of John T. Orcutt, he mainly practices in the middle district of North Carolina (from Durham to just past Winston-Salem) and as Vice President of the National Association of Consumer Bankruptcy Attorneys, Ed presents at conferences and is the acting leader of arguably the most important organization for bankruptcy attorneys. Company: The Law Offices of John T. Orcutt Words of wisdom: “People often make a mistake and think, ‘oh, if I file bankruptcy, I won't be able to help my kid with student loans or get any other kind of debt while I'm in a Chapter 13.’ And that's really not true at all. We do this routinely for people based on all the other factors that go into a loan.”Connect: LinkedIn 💵 Key Takeaways 💵Here’s what we learned about debt and bankruptcy in this episode★    Going ahead with a foreclosure sale is rarely a good idea. Because such a sale is a lawsuit against you, you'll have that on your credit report and history for 10 years. Also, mortgage companies could try to screw you over with a credit bid.★    Loss Mitigation Mediation (LMM) is one of the best ways to save your house. The goal of this program is to get your ongoing monthly payment down to 80% of the principal and interest payment you used to have, so it’s about more than getting caught up — and there’s no penalty for prepayment.★    Bankruptcy attorneys can help with specific payments like rent, car loans and student loans. If you’re behind on any of these payments, go into a law office sooner rather than later so you can start to get them managed before you completely lose control.★    When in doubt, seek additional advice from a lawyer. Sure, you can declare bankruptcy on your own, but it’s a lot easier if you work with an attorney who specializes in this type of law, and who’s familiar with the specifics of your area.💡 Episode Highlights 💡[01:57] The mortgage 411: Ed explains what's happening if somebody’s mortgage is being deferred right now, and why you might have a forbearance on your mortgage foreclosures.[03:09] What the future holds: Ed discusses why mortgage servicers are going to start up foreclosures again, and why those missed payments could be added onto the end of a mortgage (and what the latter means, aka bad news).[04:19] To save the house or not to save the house: Ed talks through the options for a foreclosure sale — to let the foreclosure sale proceed or not — and why letting it move forward is often a poor decision.[09:43] LMM vs. normal mortgage process: An LMM has several advantages over trying to work these out on your own, so Ed walks us through many of those benefits.[14:02] The renter’s dilemma: Ed speaks to the current eviction crisis and why those in trouble should come in and talk to an attorney like him sooner rather than later.[17:38] Returning to the open road: Ed explains how, particularly in a Chapter 13, car loans are treated differently than mortgages.[19:53] Get schooled on student loans: Ed walks us through the current loan forbearance on federally guaranteed student loans and why you should keep making payments if you have the money.[26:42] What to look for in a lawyer: Ed explains why it’s important to pick an attorney who lives in, or is otherwise familiar with, your area and its specifics.[31:19] Getting your head above water: Ed gives reasons for why you should get more advice from a lawyer if you’re struggling in any way with debt. 📧 Contact 📧Ready to speak to one of our experienced attorneys today? The Law Offices of John T. Orcutt are located across North Carolina in North &amp; South Raleigh, Durham, Wilson, Greensboro, New Bern, Jacksonville, Southport, Fayetteville, Wilmington, and Charlotte. To schedule a consultation with one of our attorneys, visit our website at billsbills.com or call us day or night at 888-234-4190.The insights and views presented in “Orcutt Answers” are for general information purposes only and should not be taken as legal advice for any individual case or situation. The information presented is not a substitute for consulting with an attorney. Nor does tuning in to this podcast constitute an attorney-client relationship of any kind. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. If you’re ready to talk to someone who understands what you’re going through, contact The Law Offices of John T. Orcutt today.

Attorney Ed Boltz can’t stress this enough: getting out of debt is always easier with the help of an expert.“There are so many traps and pitfalls in bankruptcy that you can bumble into without even knowing,” he says. “And then the cost of fixing that, both in terms of money and sweat and blood and tears, it can be much higher than if you went to somebody who's dealt with these [matters] before.”In the second episode of Orcutt Answers, our host Shawn Orcutt welcomes Ed, a partner at The Law Offices of John T. Orcutt and Vice President of the <a href="https://www.nacba.org/" rel="noopener noreferrer nofollow" target="_blank">National Association of Consumer Bankruptcy Attorneys</a>, to discuss what’s happening with mortgages in the era of COVID-19, the mortgage outlook for 2021 and your options for saving your home from foreclosure, the latter of which now includes a program known as Loan Modification Management (LMM).The episode also offers advice for what to look for in a lawyer and insight for people struggling to cover rent, student loan, and car payments during the pandemic.“I think the advice is come get more advice, sooner rather than later,” Ed says. “If you're struggling with your mortgage, if you're struggling with your car payments, if you're struggling with your other debts, talk to us first, because whether it's dealing with the stimulus check that may be coming out soon, we can help you advise you what to do with that money so that you get the maximum benefit. Before you go and sell assets or repay family members, there are ways that we can help.” <h2>☑️ Featured Expert ☑️</h2>Name: <a href="https://www.billsbills.com/attorneys/edward-c-boltz" rel="noopener noreferrer nofollow" target="_blank">Ed Boltz</a>What he does: As a partner at the law offices of John T. Orcutt, he mainly practices in the middle district of North Carolina (from Durham to just past Winston-Salem) and as Vice President of the National Association of Consumer Bankruptcy Attorneys, Ed presents at conferences and is the acting leader of arguably the most important organization for bankruptcy attorneys. Company: <a href="https://www.billsbills.com" rel="noopener noreferrer nofollow" target="_blank">The Law Offices of John T. Orcutt</a> Words of wisdom: “People often make a mistake and think, ‘oh, if I file bankruptcy, I won't be able to help my kid with student loans or get any other kind of debt while I'm in a Chapter 13.’ And that's really not true at all. We do this routinely for people based on all the other factors that go into a loan.”Connect: <a href="https://www.linkedin.com/in/edward-boltz-63b1547/" rel="noopener noreferrer nofollow" target="_blank">LinkedIn</a> <h2>💵 Key Takeaways 💵</h2>Here’s what we learned about debt and bankruptcy in this episode★    Going ahead with a foreclosure sale is rarely a good idea. Because such a sale is a lawsuit against you, you'll have that on your credit report and history for 10 years. Also, mortgage companies could try to screw you over with a credit bid.★    Loss Mitigation Mediation (LMM) is one of the best ways to save your house. The goal of this program is to get your ongoing monthly payment down to 80% of the principal and interest payment you used to have, so it’s about more than getting caught up — and there’s no penalty for prepayment.★    Bankruptcy attorneys can help with specific payments like rent, car loans and student loans. If you’re behind on any of these payments, go into a law office sooner rather than later so you can start to get them managed before you completely lose control.★    When in doubt, seek additional advice from a lawyer. Sure, you can declare bankruptcy on your own, but it’s a lot easier if you work with an attorney who specializes in this type of law, and who’s familiar with the specifics of your area. <h2>💡 Episode Highlights 💡</h2>[01:57] The mortgage 411: Ed explains what's happening if somebody’s mortgage is being deferred right now, and why you might have a forbearance on your mortgage foreclosures.[03:09] What the future holds: Ed discusses why mortgage servicers are going to start up foreclosures again, and why those missed payments could be added onto the end of a mortgage (and what the latter means, aka bad news).[04:19] To save the house or not to save the house: Ed talks through the options for a foreclosure sale — to let the foreclosure sale proceed or not — and why letting it move forward is often a poor decision.[09:43] LMM vs. normal mortgage process: An <a href="http://www.ncmb.uscourts.gov/loan-modification-management-program" rel="noopener noreferrer nofollow" target="_blank">LMM</a> has several advantages over trying to work these out on your own, so Ed walks us through many of those benefits.[14:02] The renter’s dilemma: Ed speaks to the current eviction crisis and why those in trouble should come in and talk to an attorney like him sooner rather than later.[17:38] Returning to the open road: Ed explains how, particularly in a Chapter 13, car loans are treated differently than mortgages.[19:53] Get schooled on student loans: Ed walks us through the current loan forbearance on federally guaranteed student loans and why you should keep making payments if you have the money.[26:42] What to look for in a lawyer: Ed explains why it’s important to pick an attorney who lives in, or is otherwise familiar with, your area and its specifics.[31:19] Getting your head above water: Ed gives reasons for why you should get more advice from a lawyer if you’re struggling in any way with debt. <h2>📧 Contact 📧</h2>Ready to speak to one of our experienced attorneys today? The Law Offices of John T. Orcutt are located across North Carolina in North &amp; South Raleigh, Durham, Wilson, Greensboro, New Bern, Jacksonville, Southport, Fayetteville, Wilmington, and Charlotte. To schedule a consultation with one of our attorneys, visit our website at <a href="https://www.billsbills.com/" rel="noopener noreferrer nofollow" target="_blank">billsbills.com</a> or call us day or night at 888-234-4190.The insights and views presented in “Orcutt Answers” are for general information purposes only and should not be taken as legal advice for any individual case or situation. The information presented is not a substitute for consulting with an attorney. Nor does tuning in to this podcast constitute an attorney-client relationship of any kind. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. If you’re ready to talk to someone who understands what you’re going through, contact The Law Offices of John T. Orcutt today.

Foreclosures, Modifications, Evictions, Repossessions, and Student Loans with Ed Boltz

Emma Hayes

Two very different theme interpretations from our recent CHICKEN StorySLAM. Recorded live on July 19, 2016 at Motorco Music Hall. 

Two very different theme interpretations from our recent CHICKEN StorySLAM. Recorded live on July 19, 2016 at Motorco Music Hall.

Ed Boltz/Emma Hayes

Hippo Guy

Episode #15: Two holiday stories from a couple of our most popular storytellers.

Episode #15: Two holiday stories from a couple of our most popular storytellers.

Hippo Guy/Ed Boltz