Finding a questionable or incorrect charge on a credit card statement probably happens to most New Yorkers at least once. Most people’s natural inclination is to call the creditor and try to work it out over the phone. If that doesn’t work, the law is on your side, but it’s a slow process involving the …
How to Challenge Charges on Your Credit Card Bill Read More »
Filing bankruptcy in New York no doubt seems like an intimidating prospect. But often, the best way to deal with a fear of something is to become more familiar with it. So here are a few interesting things about bankruptcy that will hopefully make it out to be what it really is: a legal process …
A real concern for many who file for bankruptcy in New York is whether they can rebuild their credit score following the end of their bankruptcy case. Fortunately, there are effective ways to do this. And there’s no magic to them. They’re simply common sense. Here are 5 good ways to improve your post-bankruptcy credit …
5 tips for improving your post-bankruptcy credit score in New York Read More »
CreditSlips.org is always a great source of info and analysis of bankruptcy issues and news, especially those affecting average New Yorkers and other Americans. It’s run collaboratively by the leading bankruptcy professors on consumer bankruptcy issues from several different universities around the country. Though some of the CreditSlips.org posts may be a bit on the …
As we embark on the beginning of another crazy holiday season, it’s worth pausing to reflect on ways to keep our heads and wallets in check in order to avoid debt problems and bankruptcy in the New Year. Here are a few things to keep in mind as you fight your way through the crowds …
If you’re a New York senior citizen thinking about bankruptcy because of credit card debt, you’re likely not alone. Not only have senior citizen bankruptcy filings risen substantially from last year. But the primary cause of those filings appears to be credit card debt, not medical debt, according to research by Law Professor John Pottow …
Senior citizen bankruptcies up, primarily due to credit card debt Read More »
Let’s say your New York bankruptcy case is completed and you’re contemplating your options for credit cards. (Because you know that having a credit card and using it wisely is a good way to help rebuild your credit.) A retail credit card (is likely not your best option. And you’re probably better off with an …
If you weren’t already cynical about the credit card industry’s practices in the face of the Credit CARD Act of 2009 which went into effect yesterday (Feb 22, 2010), take a look at this very funny and “educational” video by Mark Fiore: [youtube=http://www.youtube.com/watch?v=NCJHi-b0rhw&feature=player_embedded] Click here to read more posts on NYBankruptcyNet about credit cards For …
Credit card practices “explained”….in a funny and satirical way Read More »
The Credit CARD Act of 2009 goes into effect TODAY, February 22, 2010. What does it mean for New Yorkers like you and me? Will it really help us? Is there anything we have to watch out for? The answers: More protections. Yes, to some extent. And yes, there are things to watch out for. …
The new credit card law: What New Yorkers need to know to protect themselves Read More »
If you listen to the collections industry, credit card companies have started employing a lighter touch when it comes to debt collection. An article on CollectionsAndCreditRisk.com says that this strategy is an attempt by the credit card industry to mitigate its losses. However, based on everything I hear from my clients, such genteel behavior by …
Credit Card Debt Collectors: Honey? Or more vinegar? Read More »
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