This act prohibits certain types of calls and regulates the hours of calls. The Act prohibits calls before 8am or after 9pm. It also restricts the types of calls that can be placed by autodailers or automated phone systems. If you are being harassed the phone...
One of the questions I get frequently is will it be possible to buy a home after filing for bankruptcy. In many cases the answer is yes provided you can meet all the normal underwriting requirements for income and down payments. We receive calls almost every day...
The Credit Reporting Agencies Experian, Transunion and Equifax have agreed to several changes in how they report credit scoring for individuals. The Dispute Process The first change is how the Credit Reporting Agencies process disputes. The way the agencies handled disputes in the past is the consumer disputes...
If you are thinking about filing for bankruptcy in Minnesota you need to be familiar with the two types of bankruptcy exemptions statutes. The first and most commonly used are the Federal Bankruptcy Exemptions. The Federal exemptions general are commonly used when a client does...
Many clients wonder if they will lose their job if they file for bankruptcy protection. The answer in the majority of cases is no, you will not lose your job if you file for bankruptcy. It is actually against the law to fire an employee...
Odds are if you are thinking about filing for bankruptcy protection your credit score is already pretty bad. In most cases once you miss two or more payments it can drop your credit score over 100 points. If you have a spotty payment history, high...
This is a common question we get in our office. The short answer is yes, a bankruptcy stops wage and bank garnishments. Once you file for bankruptcy protection the automatic stay goes into effect. This provision in the bankruptcy code stops all wage and bank...
This is a difficult questions to answer when you are filling out your bankruptcy petition. Just how much is your car, house, jewelry and other personal possessions worth. For some things we can get an appraisal, then we can list the value as the appraised...
If you are having trouble getting credit in Minnesota the first step is determine why your credit is bad. You are able to pull a free credit report from www.annualcreditreport.com. Once you pull this report you must review the report to make sure all the...
If you are having problems with your credit reporting agency making mistakes on your credit. You need to get those problems fixed, the issue is if your credit is less than perfect then you will pay much higher interest rates for your credit. That could...