August 17, 2016 | CREDITORS THREATENING TO PUT YOU IN JAIL?
If you are having troubles making payments and reached the point where creditors are contacting, you need to be aware of your rights. The Fair Debt Collection Practices Act protects you from illegal harassment from creditors. This federal law prevents any type of unfair or abusive behavior from collectors and we are here to make sure it is enforced on your behalf. Too often we hear about creditors making false threats in order to force debtors to pay them. One of these false threats is that a creditor will send the police or have you
READ MOREAugust 17, 2016 | CAN I DISCHARGE MY STUDENT LOANS? WHAT ARE MY OPTIONS?
What every student loan borrower, cosigner, and parent needs to know about student loans. Can I discharge my student loans? What are my options? Student loans are being dubbed as the next bubble to burst. According to 2012 reports from the Consumer Financial Protection Bureau and the Federal Reserve Bank of New York, Americans owe between $902 Billion and $1 Trillion in student loan debt. Comparatively, when the bubble burst on the housing market, there was approximately $14 Trillion of outstanding mortgage debt. An important difference to note is that mortgage loan debt is secured
READ MOREAugust 17, 2016 | DON’T LET YOUR CREDITORS FALSELY THREATEN YOU
As a means to collect, all too often, creditors use illegal and fraudulent tactics. Whether it is by threatening that they can send you to jail, pretending to work for the government or posing as a law firm, these are all illegal methods of pursuing payment. If you have received a false threat forcing immediate payment, do not pay them. You are protected against these tactics under the Fair Debt Collection Practices Act and we can help you. It is considered fraudulent and illegal for creditors to do any of the following to you: Threaten
READ MOREAugust 17, 2016 | How to Stop a Wage Garnishment in Columbus Ohio
What to Do If Wages Are Being Garnished It can be frightening to be threatened with the garnishment of your wages. We understand this and we can help. The first thing to do is to determine if the threat is actually real. Many of these threats can actually violate the Fair Debt Collection Practices Act and you can fight back. If you have been threatened with wage garnishment, you need to: Determine if a lawsuit was filed against you. Find out if the party threatening you is the owner of the debt. Determine if the
READ MOREAugust 17, 2016 | DOES DIVORCE INEVITABLY LEAD TO BANKRUPTCY? DEBT RESOLUTION STRATEGIES
For many families, divorce and bankruptcy go hand-in-hand. Finances are a huge stress factor for many couples and are often a major catalyst within many marriage breakups. Divorce is often the route that couples choose when they are facing financial difficulty within their marriage. Each spouse will often believe that the other is responsible for the financial mess that they are facing and may decide to end their marriage over the dispute. Divorce may resolve the constant bickering that the couple faces, but it will not cause the debts to go away. In addition, divorce
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