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Unemployed? Consider Bankruptcy

April 11, 2014

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When you are unemployed, it may be the perfect time to file a bankruptcy case. It can be a difficult decision because when you are unemployed, creditors may consider you “judgment proof” and decide not to pursue collection against you. However, when you do not have a job, it may also be the right time […]

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Student Loans & Abusive Debt Collection

March 18, 2014

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The news is full of stories of college graduates getting their diploma, being thousands of dollars in debt with student loans and not being able to get a job in their chosen field. However, what most news stories do not mention is what graduates are facing with debt collectors. Debt collection of student loans is […]

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Are Lenders Using Facebook To Determine Creditworthiness?

March 16, 2014

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According to a recent CNN article discussing what impacts a consumer’s credit score, it was revealed that an increasing number of lenders are using your social media accounts to impact your credit. It may seem crazy, but some lenders believe that your social connections are a good indicator of your credit worthiness. For example, if […]

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Should a Chapter 7 Debtor Sign a Reaffirmation Agreement?

March 14, 2014

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When you file a Chapter 7 bankruptcy, your secured creditors may ask you to sign a document called a reaffirmation agreement. A reaffirmation agreement is essentially a new contract which provides that the debtor agrees to pay all or a portion of the debt owed to the creditor, despite the bankruptcy filing. In other words, […]

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