Aug 17, 2020

5 Biggest Mistakes that Damage Your Credit

2020-08-17T19:26:55+00:00August 17th, 2020|Credit Card, Credit Card Debt, Credit Mistakes, Credit Repair, Credit Score|

5 Biggest Mistakes that Damage Your Credit Whether you are renting an apartment, applying for a loan, or buying a house, your credit score is one of the first things people will check to determine the financial risk. Having a good credit score opens up a variety of opportunities. At the same time, a bad [...]

Aug 10, 2020

Can Debt Collectors Take Your Coronavirus Stimulus Payment?

2020-08-10T17:39:53+00:00August 10th, 2020|COVID and Credit, Covid-19, Wage Garnishment|

Can Debt Collectors Take Your Coronavirus Stimulus Payment? With 20.5 million Americans out of work due to coronavirus shutdowns, Congress passed the CARES Act, which gave many people a $1,200 stimulus to help them get by during tough times. As the COVID-19 pandemic drags on, many people are still struggling to pay regular bills; those [...]

Aug 3, 2020

Veterans Administration Suspending Debt Collection Action

2020-08-03T21:56:57+00:00August 3rd, 2020|Debt Issues, Debt Relief, Veterans Affairs|

Veterans Administration  Suspending Debt Collection Action Some positive news from the Department of Veterans Affairs. The VA is suspending collection actions on all debts where the Department of the Treasury has jurisdiction through the end of 2020, according to a new report. This is welcome news for many Veterans in these hard times. According the [...]

Jul 27, 2020

Florida AG Shuts Down Telemarketing And Credit Reduction Scam

2020-07-27T22:16:53+00:00July 27th, 2020|Scams, Uncategorized|

  Florida AG Shuts Down Telemarketing And Credit Reduction Scam The Federal Trade Commission and the Florida Attorney General recently announced that they had received a temporary order shuttering an Orlando based credit card interest rate reduction telemarketing scam and freezing assets. The FTC and the Florida Attorney General are pursuing both a permanent closure [...]

Jul 20, 2020

Covid-19 Has Not Stopped Credit Card Companies From Pursuing Wage Garnishment

2020-07-20T19:31:42+00:00July 20th, 2020|Covid-19, ProPublica, Uncategorized, Wage Garnishment|

Covid-19 Has Not Stopped Credit Card Companies From Pursuing Wage Garnishment Recent reporting by ProPublica highlights the problems with wage garnishment from debt collectors that working Americans have faced during the current COVID-19 outbreak. As the country begins to reopen, however, relief from wage garnishment may not be right around the corner. The Reality of [...]

Jul 13, 2020

Top 6 Ways to Avoid Coronavirus Scammers from Ruining Your Credit

2020-07-13T17:13:58+00:00July 13th, 2020|COVID and Credit, ID Theft, identity theft, Identity Thieves, Scams, Uncategorized|

Top 6 Ways to Avoid Coronavirus Scammers from Ruining Your Credit COVID-19 has caused global uncertainty and disruption, with an unprecedented effect on daily living. As people are dealing with the fear of health and income concerns, they are turning to federal and state governments for the support and aid that is needed in these [...]

Jun 26, 2020

Is Your Identity in Danger? A Credit Lawyers Can help.

2020-06-26T21:02:59+00:00June 26th, 2020|Credit Repair Lawyer, Credit Repair Lawyers, Credit Score, Uncategorized|

Is Your Identity in Danger? A Credit Lawyers Can help. As digital access has changed the way we do business, there are potential consequences to the never-ending flow of information. Identity theft is an increasing concern, especially with how quickly hackers can access personal information. If you suspect that your information might be compromised, then [...]

Jun 19, 2020

5 Steps to Fixing Errors on Your Credit Score

2020-07-06T18:51:07+00:00June 19th, 2020|Credit Report Errors, Credit Reports, Credit Score, Uncategorized|

5 Steps to Fixing Errors on Your Credit Score Even if you think your credit report is accurate and up-to-date, the truth is that credit errors are more common than most people realize. It’s estimated that 1 in 20 people have credit errors – are you one of those people? The problem is that these [...]

Jun 15, 2020

What About Credit and Chapter 7 Bankruptcy?

2020-06-15T19:11:12+00:00June 15th, 2020|Bankruptcy, Chapter 7 Bankruptcy, Credit Card, Credit Card Debt|

  What Happens to Credit Cards in Chapter 7 Bankruptcy? Credit Cards Get Discharged In Bankruptcy. You do not have to pay themThere are two types of debt. Secured debt, and unsecured debt. Secured debt means someone will take something from you if you don’t pay them. This is common in car loans and home [...]

Jun 12, 2020

Is There a Difference Between Credit Repair and Credit Counseling?

2020-06-12T17:43:19+00:00June 12th, 2020|Credit Repair, Credit Repair Lawyer, Uncategorized|

Is There a Difference Between Credit Repair and Credit Counseling? Having a good credit score is essential if you want to take control of your financial life. Not only does good credit give you access to lower interest rates, but you can also qualify for the credit cards, loans, and mortgages that are needed for [...]

May 30, 2020

Why credit repair organizations cannot charge fees until 6 months after their work is complete…and what they can do about it.

2020-05-30T23:21:00+00:00May 30th, 2020|Credit Repair Lawyer|

I have been getting questions about what the story is with Credit Repair Organizations having to wait six months to get paid.  I learned of a lawsuit filed by NACSO against the CFPB on May 21, 2020.  In this blog, I want to summarize the Plaintiff’s position because I think its vitally important for all [...]

May 30, 2020

Get Answers to your questions about credit repair, student loans and debt collection harassment NOW!!!!

2020-05-30T16:17:14+00:00May 30th, 2020|Credit Repair Lawyer, Uncategorized|

Today, there is no need to wait for answers to your credit questions.  Talk to a credit repair lawyer, now!  Our law firm, Credit Repair Lawyers of America, has just released our app called Edit Your Credit.  Its now available in the Google Play Store and in the Apple app store.  Here is what it [...]

May 10, 2020

Consumer Financial Protection Bureau Proposes New Rules to Combat Improper Debt Collection

2020-05-10T19:44:06+00:00May 10th, 2020|Uncategorized|

Recent reporting by The Hill reveals that the Consumer Financial Protection Bureau (CFPB) has proposed new changes to the ways that debt collectors may contact consumers. The proposed rule changes also limit litigation that Debt Collectors may initiate as well as what information they may refer to Credit Reporting Agencies.  Debt collectors have long harassed [...]

Apr 22, 2020

How to know when you have been screwed out of that loan payment deferral promised to you by your lender

2020-04-22T23:25:12+00:00April 22nd, 2020|COVID and Credit|

COVID 19 has affected everyone, including your creditors.  However, many lenders, to be nice or to maintain good public relations, have offered to defer your mortgage payments or credit card debts, due to them from consumers such as you, for several months.  While they may avoid dunning you for your payment for the next several [...]