I team up with consumer lawyer Mike Cardoza to identify your rights against debt collectors and then to preserve those claims through bankruptcy. The longer you resisted filing bankruptcy, the more likely that you’ve endured harassing encounters with debt collectors. And the more encounters you have with debt collectors, the more likely that you’ve been […]
Your Tax Refund In The Crosshairs In Debt Collecting Season
Who knew that there was a season for debt collecting? My friend and colleague attorney Mike Cardoza does. See what he says. The beginning of the year through about the end of March is the big season for debt collection! Why? Because collectors are pretty sure that you have some money in your pocket – […]
Debt Collector Threats: Which Ones Are Real?
“What debt collector threats should people be afraid of?” was the question my friend bankruptcy attorney Cathy Moran asked. To which I replied, “Afraid of? Pretty much none of them!” Because they’re mostly all empty threats. You’re not going to jail, They are not going to come get you, Your credit is not about to […]
Spot Credit Report Errors After Your Bankruptcy & Fix Them
Your debts have been discharged in Bankruptcy. Congratulations! But if those debts still appear on your credit report, you haven’t gotten all the debt relief you are entitled to. Your credit report is the public face of your finances. It’s the thing that lenders, landlords, and life insurance companies look at to figure out whether […]
Protect Yourself From The Equifax Breach In 4 Steps
I started picking the brain of my friend attorney Mike Cardoza about all of the personal credit information stolen from Equifax when we met last month at the NCLC Consumer Rights Litigation Conference. Mike’s the guy to ask since he describes his practice as suing credit bureaus in order to fix clients’ faulty credit reports. […]
