Credit Report

  • Will I Lose Everything I Own in a Chapter 7 Bankruptcy?

    … Chapter 7 is the most commonly filed form of consumer bankruptcy in the United States, and can greatly benefit people who have gotten into more debt than they can handle. The basic premise of a Chapter 7 is this: The court will liquidate (sell) your non-exempt assets and use the proceeds to pay off your debts. Any debts that are left over… 15 readers -
  • The Equifax Data Breach

    … By: Robert J. Nahoum Attorney General Eric T. Schneiderman said, “The Equifax breach potentially exposed sensitive personal information for over eight million New Yorkers. Equifax, one of the nation’s top credit reporting agencies, recently reported that the private data of roughly 143 million Americans had been compromised due a security hack…

    The Law Offices of Robert J Nahoum- 16 readers -
  • New Freedom Mortgage Investigation – Improper Crediting of Payments

    … New Freedom Mortgage Investigation – Improper Crediting of Payments October 24, 2016 by Brian Mahany The fraud recovery and lender liability lawyers at Mahany Law are investigating claims that Freedom Mortgage does not properly credit payments made by homeowners. We have been told by one homeowner that Freedom reported her mortgage payments…

    Due Diligence- 18 readers -
  • Debt Jubilee Brings End To Debt Threats

    … their bankruptcy case and continued to save $500.00 during the remainder of time that the person in their own debt repayment plan outside bankrutpcy needed to finish his payoff plan. We get the chart below, assuming a 5% interest rate of return on their savings. Now, it looks enticing, but what about your credit report? After all, you’ve worked so hard…

    Christine Kingston/ Los Angeles Bankruptcy Law Monitor- 26 readers -
  • Steps to Take After Your Bankruptcy Discharge

    … Steps to Take After Your Bankruptcy Discharge Posted on Jun 15, 2016 By Nick Gajewski June 15, 2016 by Nick Gajewski If you’ve just received a discharge in a bankruptcy case, then congratulations! You’ve just completed a difficult process and you’re ready to move on with your life and rebuild your credit. There are a few steps you can take…

    Nick Gajewski/ Bond and Botes- 32 readers -
  • Can You Open a Bank Account While in Bankruptcy

    … unions will run a credit report, and this may affect your ability to open a checking account. If you cannot get a checking account, you should be able to open a savings account. You should read some previous blogs below regarding potential issues with a bank account and how a credit could get access to your bank account funds if you…

    Cynthia Lawson/ Bond and Botes- 28 readers -
  • 4 Ways to Improve Your Credit Score This Spring

    … credit report and identify any possible errors or old issues. There is a good reason why this tip comes first on this list. The best place to start when improving your credit is to ascertain the current state of your credit with Equifax, Experian, and Transunion. You can obtain a copy of your credit report free of charge from several different…

    Michael West/ Law Office of Michael West- 32 readers -
  • Dealing with Financial Issues and Security Clearance

    … is expressing concerns about a clearance that you are working out a payment plan. Figure Out Your Debts First of all, find out exactly what your debts are and who you owe. The government will get a tri-merge credit report which, in my experience, will be riddled with errors. I advise everyone who is in the process of filling out the SF 86 to get their free…

    Ron Sykstus/ Bond and Botes- 34 readers -
  • Let’s Make A Deal; Debt Collectors!

    … the validity of the debt from your credit report; or the third party collector will not provide the information to you over the telephone. Time Barred Debt Collections The Creditors don’t want you to be informed, but with the internet, information about time limits that creditors have to sue you to collect on a debt is known as the Statute…

    Christine Kingston/ Los Angeles Bankruptcy Law Monitor- 32 readers -
  • Can You Keep Your Bankruptcy a Secret From Your Spouse?

    … especially about something as important as finances. Rarely have I found that spouses maintain completely separate finances. Bankruptcy law requires that any co-debtors be notified of the bankruptcy and the bankruptcy can appear on the credit report of anyone liable on the account. So, if there are any joint debts at all, the non-filing spouse…

    Bond and Botes- 24 readers -
  • What If a Creditor Sends You a 1099-C

    …. My firm had not represented her in that case, but she ran into a problem with a creditor who was demanding more than $1500 for a medical bill she owed prior to her chapter 7 case being filed. She was unaware of the debt being owed because she had not received any billing from the creditor in many years and it had not appeared on her credit report…

    Robert Reese/ Bond and Botes- 25 readers -
  • How to Properly Fix Your Credit Report from ANY Error

    … The law that controls everything as it relates to credit reports and credit reporting is titled the Fair Credit Reporting Act (FCRA). The formal dispute process as set forth in the FCRA must be followed exactly or erroneous, false and/or incorrect information can simply be reflected on, and stay on, a credit report forever. If erroneous, false…

    Ron Sykstus/ Bond and Botes- 31 readers -
  • How to Fix a Credit Report AFTER a Bankruptcy Filing

    … The law that controls everything as it relates to credit reports and credit reporting is titled the Fair Credit Reporting Act (FCRA). Usually, the way this will come to our attention is that one of our clients is now ready to restart his or her credit life after a bankruptcy is finished. What we suggest that our clients do, after a bankruptcy…

    Ron Sykstus/ Bond and Botes- 73 readers -
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