Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Purchasing a home is a calculated risk that a homebuyer willingly takes on. This is Mackenzie Lanum’s view in her runner-up winning essay for our Ark Law Student Voices Scholarship Program. We asked whether lenders should be able to pursue deficiency above and beyond what is received from a short sale and Mackenzie believes that yes, an agreement was made and it now needs to be upheld.

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Robert Eash submitted a prime essay in our Student Voices scholarship contest that we are highlighting this week as one of our runners-up from our most recent topic, which posed a question about short sales. Robert supports the consumer view in which banks should not be able to reclaim deficiency payments after a short sale

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  •  Austin Wood wakes us up with a reality check, starting with imagery of a beautiful sunny day that quickly fips into scenery of less idealistic parts of lift a few years down the road. As a runner-up in our summer Ark Law Student Voices Scholarship program, Austin addresses the unfortunate circumstances of foreclosures and short sales.

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • “There are no victims when a short sale comes to the table.” That is how Alberto Padilla begins his entry to the Ark Law Student Voice Scholarship Program. His essay, a runner-up winner for our summer prompt, defines short sales and his opinion around several deficiency policies. Alberto argues that it is the state’s duty to step in, be neutral, and act as a mediator to protect both the consumer...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • This summer, the Ark Law Group Student Voices Scholarship Program posed a new question, asking applicants to give us their thoughts about Short Sales and the appropriateness of current policies in place. We received a wide array of responses, from those who empathetically side with the individual to those who judiciously side with the lender.

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • This summer, the Ark Law Group Student Voices Scholarship Program posed a new question, asking applicants to give us their thoughts about Short Sales and the appropriateness of current policies in place. We received a wide array of responses, from those who empathetically side with the individual to those who judiciously side with the lender.

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Faith Patino writes about the rise of student debt in an essay for our Student Voices Scholarship Program, and addresses the nearly 2/3 of students that graduate in the United States highly indebted. Faith believes there is a disconnect between the emphasis put on college education for all, the increasing costs to obtain a degree, and the high levels of underemployment amongst college graduates. ...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • In our recent Student Voices Scholarship program, we posed the concept of student loans and whether their burden has become an institutional crisis. One entrant, Steven Rios, noted that there is a cycle, and while the costs of tuition are annually rising, so is the value of higher education. However, employers will continue to constantly value the education, and therefore there is no end in sight...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Appalachia Sanford opens a Student Voices essay with a Nelson Mandela quote, “Education is the most powerful weapon which you can use to change the world.” However, the costs of attending college have dramatically increased in the last decade, making it pricey for individuals to obtain higher education. So with that in mind, the larger question becomes, “Is college a right, or a privilege?” It’s ...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • With student loans becoming a larger economic crisis in the United States than ever before, we sought viewpoints from current students as to what the top concerns were, and what options we had as a country to begin fixing the issue. Dina Masri sent in an article posing the idea that graduates are now spending years trying to pay off loans rather than starting up new companies and better utilizing...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • We recently posted a new Student Voices Scholarship topic, addressing whether student loans were an economic crisis, what could be done to resolve them, and whether bankruptcy should be an option on the table to forgive student loan debt. One runner up, Jasper Gilley, presented a well-articulated essay that enumerated several of the primary issues and potential resolutions. Students should begin ...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Weston Lewis addressed our Scholarship Topic, “Are Student Loans a Crisis for the Economy?” with some research from a popular website, Student Loan Hero, to support his personal outlook on the question. Economic growth is slowed because it stifles spending, prevents individuals from purchasing new homes and holds back opportunities to start new small businesses. However, Weston does not believe s...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Student loan debt of $1.4 trillion today is triple that of student loan debt just 11 years ago in 2006, notes Gregory Etienne, a runner up in our Ark Law Student Voices Scholarship Program. That debt is carrying over into personal lifestyles and financial stability; students working hard to achieve a higher education are being denied for life basics, like housing, due to not having strong credit ...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Thomas Hayes addressed our recent topic of student loan debt and whether students should be allowed to declare bankruptcy with a top essay submission. His outlook is that yes, bankruptcy should be allowed for student loan debt to provide a form of relief that is otherwise stifling not just the individual, but the economy as a whole. However, Hayes takes it one step further to recognize that this ...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • “Nobody bothered to look at the Return on Investment,” states Jessica Kong, regarding the topic of student loan debt and its trajectory of tripling in the past decade. Jessica tells a story to the reader- one which is all too familiar. Prior generations touted the benefits of education, college, working hard and retiring well. Unfortunately, the economy has made some large changes in that time, i...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • “In combination with depressed wages and starting salaries, the modern college graduate faces financial obstacles that hinder their ability to spend money freely,” states Shawn Wilkinson, a recognized entrant in our Student Voices Scholarship Program. College tuition costs have risen due to education budgets being cut at the local and federal government levels, resulting in more student debt than...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Emma Cooper, a runner up in our Ark Law Student Voices Scholarship program, presented an essay in which she recognizes that the benefits of higher education are undeniable but yet come with a high expense- often crippling in nature. She cites the average Bachelor’s Degree indebtedness in the United States was $31,100 in 2015 and yet the high unemployment rate in the parallel time frame is prevent...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • One of the top essays in our Ark Law Student Voices Scholarship Program was sent in by Napala Pratini, who recognizes that the implications of the student loan debt crisis bifurcate into the quantitative issues and the qualitative. The story told by the numbers is unforgiving, and resigns over 70% of the American population to resort to taking out loans to finance their education. The qualitative...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Competition in the globalized world creates a greater need for college education than in generations before, poses a recognized essay from Ibarra Montoya, a runner up in our Student Voices scholarship program. From Montoya’s point of view, there is a disconnect between prior generations and their true understanding of how attainable or unattainable college education has become relative to their e...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • “Students are spending lifetimes repaying the loans they took out to get an education,” states Victoria Barablat, a runner-up in the Ark Law Student Voices Scholarship Program. Victoria recognizes that the United States has one of the most expensive costs of education in the world. Despite the money put towards a good education, many graduates find themselves taking jobs they are overqualified fo...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • When posing the question of whether student loans are a true crisis, Robert Driver submit an essay that discusses both the emotional and financial impact of graduating with an extreme amount of debt, both for the individual and for the economy. Upon graduation, student loans immediately set a person backward and make it difficult to begin achieving wealth and financial stability early in life. Th...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Although foreclosure rates in Washington state are dropping, we are nowhere near clear of the problems yet. Pierce County currently has the highest foreclosure rate in the state, with one in 1233 homes presently in the foreclosure process. Not far behind are Mason, Thurston, Skagit and Stevens counties. (Data from RealtyTrac, February 2017).

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Leilani Olsen, a runner up in our Student Voices Scholarship program, submit a well-researched essay that introduced the high debt levels that students are now paying for the average annual cost of tuition. Olsen expands on the reasons costs have increased, including the “enticing amenities” that universities now feel obliged to have in order to recruit top talent. Leilani Olsen Money is goi...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • Although foreclosure rates have been dropping nationwide, New Jersey has the unfortunate distinction of having a foreclosure rate which has spiked upward late the last year. New Jersey now has the highest foreclosure rate in the country, with one in every 495 homes currently at some stage in the foreclosure process - a rate more than three times the national average. And some parts of the state ha...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • The foreclosure rate in Arizona is only slightly higher than the foreclosure rate nation-wide, but it is. Currently, one in 1486 homes in Arizona are in the foreclosure process, which is only slightly higher than the national average foreclosure rate. However, Arizona’s foreclosure rate has risen by 27% just in the past month. And the foreclosure in some parts of the state is much higher - for exa...

Ark Law Group, PLLC
Ark Law Group, PLLC
Blog Post
  • In response to our scholarship topics around the success or failure of Dodd-Frank, Student Voices runner-up Samuel Johnson turned to expert research. He shares the views of finance professionals who are skeptics as to whether the initiative has truly protected anybody and whether “Too Big to Fail” still looms over us. “The roots of this skepticism are that financial analysts don’t believe that th...

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