Credit Cards

Who Really Owns Your Debt?

I deal a lot with bill collectors.  Here is an eye-opening description of how their business works. Settling a debt can be . . . .unsettling.  If some unknown company collects on a credit card debt that’s five years old, how do you know that the collector actually has the right to collect that debt […]

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5 Things You Can Do To Rebuild Your Credit After Bankruptcy

A couple recently asked me how to rebuild their credit after filing bankruptcy and I would like to share some of the information that I gave them as it may be helpful to you in improving your credit score after bankruptcy. First, for those who are worried about a bankruptcy being on your credit report […]

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Why the FreeCreditReport.Com ads are a scam

When is FREE not FREE? In a world seemingly driven in all matters by credit reports, getting that report for nothing ought to be a good thing, But the commercial entities beat the federal government to the web address freecreditreport.com. And they also got a better ad agency that wrote catchy tunes promoting their product, under […]

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How to Deal with Debt Collectors

Pasadena attorney Daniela Romero has a good article on how to handle calls from debt collectors.  I invite you to read her post because I don’t have the time today to write this myself, and I can’t do it better than her.

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Business credit cards

Many of my clients come to me with credit card debt on a business card.  Here are some of the ins and outs about getting a business card, from Cathy Moran in Redwood City.

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34 Things Not to Do before Filing Bankruptcy

1. Do not leave out any Bank, Checking, Savings, Brokerage, Credit Union accounts from your schedules. 2. Do not file if your income is greater than your expenses. 3. Do not use your credit cards. 4. Do not take Credit Card Cash Advances. 5. Do not use convenience checks offered from any credit cards. 6. […]

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Guest opinion on cancellation of debt income

http://attorneyaxinn.wordpress.com/2013/01/25/cancellation-of-debt-income/

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What to do if you get a summons and complaint in a collection case

You are a person who can’t pay your bills.  One day, a disheveled guy comes to your door, asks whether you answer to your name, and when you say “yes,” he hands you a summons in a state-court lawsuit seeking a money judgment for an unpaid debt. Once you get the summons, you have 30 […]

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