A Primer On Credit Reports
A credit report is a summary of how a consumer has used his or her credit accounts. Credit reports are used by potential lenders and creditors to help them decide…
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A Primer On Credit Reports
Filing Bankruptcy After A Natural Disaster
Theron Morrison founded the Morrison Law Group to provide superior legal services to every Utah resident and client. The MLG prides itself on quality, experienced, and caring legal representation. During…
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Filing Bankruptcy After A Natural Disaster
Counting The Ways Bankruptcy Gives You A Fresh Start: Bankruptcy Stops Garnishment
Although federal law protects an American’s paycheck to some extent, wage garnishment may nonetheless significantly affect a family trying to make ends meet. One way that bankruptcy provides a fresh…
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Counting The Ways Bankruptcy Gives You A Fresh Start: Bankruptcy Stops Garnishment
Can A Judgment Creditor Take My Car?
Some think there are only two types of creditors – secured and unsecured creditors. However, it can be argued that there are three types of creditors – secured, unsecured, and…
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Can A Judgment Creditor Take My Car?
The FDCPA Only Applies To Third-Party Collectors
Congress enacted the Federal Fair Debt Collection Practices Act (FDCPA) on behalf of consumers. However, the FDCPA does not apply to debts when the original creditor or obligee is trying…
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The FDCPA Only Applies To Third-Party Collectors
Dealing With Credit Cards Just Before Filing Bankruptcy
It is commonly known among most consumers that you may discharge credit card debt in bankruptcy whether it totals $1,000 or $50,000. The bankruptcy discharge that you receive at the…
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Dealing With Credit Cards Just Before Filing Bankruptcy
How Does Bankruptcy Affect A Credit Score?
Many clients ask how their bankruptcy will affect their credit score. At the time that anyone first considers bankruptcy, likely, they have probably either started missing payments or are on…
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How Does Bankruptcy Affect A Credit Score?
If Creditors Call You After Filing Bankruptcy. . .
Once anyone files bankruptcy, the automatic stay goes into effect. The automatic stay is a powerful, essential tool of federal bankruptcy law that prohibits most collection efforts of most creditors. Its’ sole…
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If Creditors Call You After Filing Bankruptcy. . .
What Is A Debt Collector Legally Allowed To Do?
What is a debt collector legally allowed to do? There is a large body of federal law that regulates the conduct of debt collectors. One of the most significant, the…
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What Is A Debt Collector Legally Allowed To Do?
What Is A Debt Collector NOT Legally Allowed To Do?
When the conduct of debt collectors violates the FDCPA, and the debtor has suffered damages as a result, the debtor may sue the debt collector under the FDCPA. A lawsuit…
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What Is A Debt Collector NOT Legally Allowed To Do?