What To Do If You Are A Victim Of Identity Theft?
Over 15 million Americans fall victim to identity theft every year costing over $16 billion in stolen funds. Recovering from identity theft can at first seem like a daunting task, but it does not have to be if you follow the recommendations of the Federal Trade Commission (FTC), national credit reporting agencies, and other government […]
Can A Creditor Take My Tax Refund Check?
Has a creditor threatened to take your tax refund check or have you heard stories that they will if you do not pay the bill? Can a creditor take a tax refund check? The short answer is maybe. It depends on what you mean by ‘take my check’, who the creditor is, what point in […]
How Many Times Can A Car Dealership Pull My Credit?
An application for credit or a loan, including auto loans, permits a potential lender to run a “hard” credit inquiry for the purpose of assessing a consumer’s credit risk. Since a hard credit inquiry appears on the consumer’s credit report and affects the consumer’s credit score, it is important to understand what happens to their […]
What are the Laws About Creditor Harassment After Chapter 7?
One of the main reasons consumers file Chapter 7 bankruptcy is to stop creditor harassment, but it doesn’t always work the way it is supposed to, and sometimes when it does, it may not the way you thought it would work. So what exactly are the laws about creditor harassment after chapter 7 and what […]