If you are one of the thousands of consumers that is facing overwhelming credit card debt, it may be time to consider filing a personal bankruptcy case. Filing a Chapter 7 or Chapter 13 can allow you to eliminate or discharge your credit card debt and obtain a fresh financial start. Other options besides bankruptcy...Read More
The debt collection industry is well-known for its harassing tactics used to persuade consumers to pay their debts. As a result, an important set of laws called the Fair Debt Collection Practices Act (FDCPA) was passed to provide consumers with a variety of protections from creditors using deceptive or abusive practices in their collection efforts....Read More
If you are delinquent on your auto loan or your case has been seized and auctioned off, it is time to seek legal help. We can review your individual circumstances and help you understand all of the debt relief options available to you. The quicker you contact us, the sooner we can provide you with...Read More
Many individuals contact us because they are drowning in debt and don’t know which debt relief option is the best for them. We commonly get questions regarding having debt “written-off” by lenders and how it impacts them. Typically, a lender will write-off your debt (also referred to as charging-off your debt) if you have been...Read More
When an individual borrower falls behind on paying their bills, creditors start filing collection lawsuits in order to a obtain court judgment. Once the judgment has been granted in favor of the creditor, the collection efforts begin. A Creditor May Place a Judgment Lien Against Your House One common collection tool used by many creditors...Read More
Many people who fall behind on their bills feel overwhelmed when creditors start filing collection lawsuits against them. In fact, it is not uncommon for people to simply ignore the lawsuits and hope they will simply go away. This tactic never works! As soon as you are served with a petition or complaint against you,...Read More
According to Creditcards.com, there are numerous credit card lenders that are using their agreements as authority to seize things you buy with your credit card if you do not pay your bill in full. Typically, credit card debt is unsecured debt, which means that no assets were pledged as collateral to the lender. However, clauses...Read More
If you have fallen behind on your bills and debt collectors are starting to call, it is critical that you know your rights, including your ability to demand debt verification from the creditor. Debt verification is extremely important because it is possible that the collector has made an error or failed to acquire the necessary...Read More
People who have an income but still cannot pay all of their bills have several debt relief options available to them. Debt Negotiation or Bankruptcy? If you are trying to determine whether debt negotiation or a Chapter 13 bankruptcy is the best option for you, we can help. We can review your individual circumstances and...Read More
Your credit score is important to your financial life. If you are considering financing or re-financing your home, you should thoroughly review your credit report to confirm it is accurate prior to applying for the loan. Mistakes on credit reports are more common that you think and they can cause serious damage to your credit...Read More
