Blog Posts in 2017

A General Chapter 7 Bankruptcy Timeline

The idea of declaring bankruptcy can be intimidating to many people, especially those who don’t know what’s ahead of them. If you’re considering declaring Chapter 7 bankruptcy, you might be dreading the uncertainty of what lies ahead in the days, weeks, and months to follow. To help you better understand what this process entails, here is a brief and highly-simplified Chapter 7 bankruptcy ...

The Difference Between Chapter 7 & Chapter 13 Bankruptcy

Choosing the right chapter is one of the most important parts of filing for bankruptcy. As an individual, you’ll most likely have to choose between two options: Chapter 7 and Chapter 13. Choosing the wrong chapter could have serious consequences, including possibly having your case denied or dismissed due to lack of qualification. So to help you make the right choice, let’s take a closer look at ...

How to Stop Harassing Collection Calls

If you are behind on your bills, there’s a good chance that you may receive phone calls from creditors who hope to collect payments. While they may do everything they can to get you to pay, the Fair Debt Collections Practices Act (FDCPA) prohibits them from using deceptive, unfair, or misleading practices when attempting to collect a debt. Debt collectors are prohibited from calling you ...

How Mixed or Merged Credit Reports Can Affect You

Your credit affects where you live, how much you pay, what you drive, your job search, and your ability to start a business. A bad credit score could mean higher mortgage payments, job denials, and limited options—which is why you should check your credit score every year. Unfortunately, you may not always get what you’re looking for. According to a 2012 Federal Trade Commission (FTC) study, one ...