If you’re concerned about your credit if you file bankruptcy, don’t worry – that’s normal and understandable. Fortunately, you don’t have to worry any longer. I’ve found a program that will help my clients raise their credit score dramatically – to over 720 in as little as one year. Yes, you’re reading that right: JUST …
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It’s hard to believe. Could students and their families really be paying almost 70% of their college costs, even at Tennessee state schools? And could community college students really be carrying 60% of the financial burden for their education? After all, many of us can still remember when it was the exact opposite: the state …
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When you file for bankruptcy, you most likely will have to stop using your credit cards. If you have any credit card debt, the debt will be listed in the bankruptcy. When that happens, the card is discontinued so you don’t have a choice but to stop using it. However, if you don’t have any …
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FAQ: A Creditor Has Taken Me to Court Over Credit Cards. What Are My Options? Answer: There’s been a lot of news out lately about the improper tactics creditors are using to take debtors to court, including charging them with more debt than they owe and using the consumer’s inability to pay an attorney to …
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Last week I discussed some of the underhanded, even illegal, tactics creditors will use against you in court. In some cases, they’ve reported thousands of dollars in trial that the consumers didn’t even owe. Unfortunately, they often get away with these dishonest strategies because we as consumers don’t defend ourselves. It’s very difficult to prove …
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Imagine what would happen if law enforcement found you lying under oath in court? You’d probably face trial for perjury, and you certainly wouldn’t win your case. But all over the United States, creditors have been found to lie under oath when trying to collect from debtors. What’s worse, they’ve been getting away with it. …
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Earlier this week we discussed the rise of foreclosures among people 50 and older, including a significant increase for people 75+. We cited some of the most common reasons, including the loss of savings, unemployment/underemployment, and falling property values. But as bankruptcy attorneys in Memphis, we see another major reason why older residents face foreclosure: …
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Memphis has approved a new budget. Again. In general, every major city works off a fiscal year, meaning they have to update their budget annually. Memphis begins working from their new version on July 1, but with the city in bad financial shape and no real consensus on how to deal with taxes or social …
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Some Common Questions About Marriage and Bankruptcy Bankruptcy comes with a lot of myths, and some of the biggest involve how it might affect your spouse. Here are some answers to think about in the case of couples who are considering bankruptcy and are not separated or divorced: Do both spouses have to file for …
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If you’ve considered alternatives to bankruptcy, you may be confused about the credit counseling option. Credit counseling can be a great resource. The right non-profit organization can offer you invaluable help in managing your budget, setting realistic spending goals, and paying off debts responsibly. Unfortunately, though, most people don’t get credit counseling early enough to …