We ask our clients to provide a number of documents as we prepare their cases for filing. Some of the information is for the court, and some is for our office, so we can evaluate any potential issues that might …
Ready to Get Back on Track? We Can Help!
We often meet with clients who have been “off the grid” for a period of time–people who have avoided credit, banking, and even filing taxes because they ended up with overwhelming debt or bad credit at some point in their …
Abusive Collection Agency Shut Down; Employees Arrested
Federal agents halted operations and arrested the owner and six employees of an abusive collection agency in Georgia on November 18, 2014. The arrests were the result of a joint investigation by the FBI, Consumer Financial Protection Bureau, and the …
How To Opt out of Telemarketing Calls
If you haven’t done so already, it’s easy to register your phone number(s) with the Federal Trade Commission’s Do Not Call Registry. Visit www.donotcall.gov, or call 1-888-382-1222 from the phone number you want to register. You should start receiving fewer …
How to Opt Out of Pre-Screened Credit Offers
Some companies use information on your credit report to generate offers of credit or insurance, sometimes called “pre-screened” or “pre-approved” offers. Companies set a minimum bar for creditworthiness, then contact the major credit reporting bureaus to get a list …
What’s the Difference Between a Credit Report and a Credit Score?
We often talk to clients who are confused about the difference between their credit reports and their credit scores. It’s easy to see why a consumer might be confused about these two different information sources, since both are tools used by creditors …
What’s in Your Credit Report, Anyway?
When you have credit accounts, such as credit cards, auto loans, student loans, or mortgages, the creditor gathers identifying information about you. A creditor will likely want to know things like your social security number, address, and telephone number. Because …
Differences between Debt Settlement, Debt Consolidation, and Bankruptcy
Deciding whether or not to pursue filing a bankruptcy to deal with serious financial problems is a serious matter. It can be helpful to know what other options might be available to you during this time. Generally, there are two …
Medical Bills and Bankruptcy
A recent CNBC article references a study that has found that medical debt is the leading cause of consumer bankruptcies in the United States. The article also states that medical-related bankruptcies are most likely to be filed by consumers …
Divorce Issues in Bankruptcy
Many people who find themselves heading for a divorce will also need to talk to someone about financial issues. Deciding what to do with joint debts, individual debts, vehicle loans, mortgages, and other bills can be confusing and overwhelming, especially …