• Published On: September 2, 2018

    The Automatic Stay v. the Bankruptcy Discharge The Fair Credit Reporting Act “FCRA” and the Bankruptcy Code deal with debt differently and this difference can become confusing for everyone, including experienced bankruptcy attorneys.  For instance, [...]

  •   Fairy tales are not the way to make adult decisions. We know that most fairy tales are fables designed to teach children a healthy respect for rules and society’s expectation.  Some fairy [...]

  • Sued for Fraud – Federal Debt Assistance Association, LLC and Financial Document Assistance Administration, Inc. “FDAA The CFPB alleges that FDAA’s so-called “debt validation” programs violated the law by falsely promising to eliminate consumers’ debts [...]

  • Published On: September 22, 2017

    According to an article published in the The Hill – October, 2017 the Senate Banking Committee is going to grill the CEOs of Equifax and Wells Fargo with regards to the “massive financial scandals that [...]

  • Published On: September 4, 2017

    By Liz Weston NerdWallet.com, Aug 30, 2017 (a summary from South Bend Tribune) Many people believe that hiring a company to settle their debts is better on their credit, will cost them less in the [...]

  • New policy governing credit reporting criteria. Credit Score can make or break a consumer. Starting July 1, 2017, the three nationwide consumer reporting agencies, Equifax, Experian and TransUnion, are starting a new policy [...]

  • CREDIT REPAIR SCAMS – COMPANIES SUED FOR CHARGING ILLEGAL FEES AND MISLEADING CONSUMERS Credit repair schemes The Consumer Financial Protection Bureau (CFPB), June 27, 2017, filed two complaints and proposed final judgments in [...]

  • Study finds domestic violence, ‘coerced debt’ often go together The following is an excerpt from a post by GreenPath regarding an study about the tie between physical abuse and financial abuse, by Susan Ladika/CreditCards.comm 26 [...]

  • How to Rebuild Your Credit Feel like you are stuck and cannot find a way out? Are you overwhelmed by financial challenges?  Do you want to rebuild your credit?  Many people try to [...]

  • Credit Reports to Exclude Certain Negative Information, Boosting FICO Credit Scores by AnnaMaria Andriotis at The Wall Street Journal As a result of increasing pressure from Consumer Financial Protection Bureau and other regulatory concerns, the [...]