Category Archives: Credit

Bankruptcy and Creditor Calls

Ohio Debt Relief, Credit Counseling & Bankruptcy Attorney

If your creditors and are calling and sending written notices for payment, you may be relieved to hear that when you file for bankruptcy, all collection attempts stop immediately. When you submit a petition with the court, an automatic stay goes into effect, barring any further collection attempts against you. Automatic Stay “The automatic stay […]

Fair Credit Reporting Act

Ohio Debt Relief, Credit Counseling & Bankruptcy Attorney

Congress passed the Fair Credit Reporting Act (FCRA) in 1970. The act is to “ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer rights privacy.” Your credit report is compiled of information by lenders and prospective lenders. Records of whom you owe and how much, monthly payment information, […]

BBB warns about credit repair scams in New Year

Ohio Debt Relief, Credit Counseling & Bankruptcy Attorney

As many individuals make New Years’ resolutions to improve their credit in the New Year, more scammers and credit repair fakes are launching in an attempt to separate you from your money without any help to your credit. The Better Business Bureau is placing a renewed warning to consumers who encounter companies claiming the ability […]

Beware Security Interest Clause in Credit Card Agreements

Ohio Debt Relief, Credit Counseling & Bankruptcy Attorney

Generally, credit card debt is categorized as unsecured debt, or debt not secured by property you own. In a testament to always reading the terms and condition when you sign up for a new cared, some credit cards have recently been discovered to include a security agreement that can give credit card companies the right […]