If you are falling into financial difficulties, and you are about to discuss your situation with a New York bankruptcy lawyer, you might be told you are consulting with a “debt relief agency.” This phrase might be confusing as it sounds a lot like “debt settlement,” which is entirely different from bankruptcy. What exactly is …
Don’t Be Concerned With the Term ‘Debt Relief Agency’ Read More »
On Wednesday, January 29, the U.S. Department of Justice announced it would launch an investigation of the “Target data breach,” a break-in of the retailer’s security system late last year that allowed up to 40 million customers’ personally identifiable financial information to be stolen. The extent of the breach still isn’t known, such as whether …
Lesson From the Target Data Breach: Protect Private Financial Data Read More »
People considering filing bankruptcy in New York are well aware of the consequences of a bad credit score. They can be denied credit; potential employers might not hire them; and landlords might decline to rent to them. Consequently there’s plenty of advice about how to maintain and buoy a credit score. What isn’t out there, …
One thing debtors are concerned about is their credit scores and the impact filing bankruptcy might have on them. Indeed, as the economy continues to struggle, the importance of credit scores has grown. Although they are not the be-all and end-all of one’s creditworthiness, banks, landlords, insurers, and even potential employers often use them to …
Few things are more aggravating than someone impersonating you to obtain credit. To make things worse, fraud on your accounts can force you into bankruptcy. Here are four types of information that if inadequately protected can lead you into bankruptcy. (1) Social Security information. A common way people steal identities is through Social Security numbers. …
4 Ways Identity Theft Can Lead to Bankruptcy in New York Read More »
Most of the time when New York bankruptcy lawyers discuss scams, they’re worried about con artists taking debtors’ money and forcing them into bankruptcy. The most common one is debt settlement, which is discussed here. A less common but sometimes more problematic scam occurs post-bankruptcy: the “credit rehabilitation scam.” The point is to deceive people …
When New Yorkers have more credit card debt than they can cope with, they sometimes turn to debt-settlement companies, hoping to stay out of bankruptcy. Usually the agreement with the company involves debtors redirecting payments meant for creditors to the debt-settlement company until it can reach an agreement with the debtors’ creditors. The snag: It’s …
CFPB Consent Order One More Reason to Stay Away From Debt Settlement Read More »
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 »
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