By GUADALUPEGLZ February 28, 2017
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By Anonymous July 28, 2010
Great Attorney! ...read more
We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from Consumer Credit Counseling Service 1-888-551-1270. Let us know what you think! Read It Now Here ...read more
By Consumer Credit Counseling Service 1-888-551-1270 May 13, 2011
Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company. ...read more
By Consumer Credit Counseling Service 1-888-551-1270 May 02, 2011
As an Omaha Bankrupty Lawyer, I'm often confronted by the situation of a married couple visiting me for a possible bankruptcy case, only to have one spouse contact me after the meeting to discuss the ramifications of their bankruptcy if they filed for divorce. Divorce and Bankruptcy are probably the most depressing issues in the legal landscape, followed not far behind by a tax audit. Often times divorce and bankruptcy mingle together. A quick google search for causes of divorce will result in statements that money issues usually lead to divorces more than any other marital issue. Will a bankruptcy save a marriage? I can't say that, but if it has been decided that a divorce is imminent, a husband or wife at least owes their soon to be former spouse a chance to have a true "new start" free from the marital debt. Often a dissolution of marriage will have a decree that says husband will pay these debts and wife will be those debts and each party will hold the other harmless on those accounts that they share. The problem is, that decree doesn't mean anything to a creditor. Just because your divorce decree says that your ex-husband is responsible for the credit card debt doesn't mean the credit card company can't go after you for the amount. Your name is on the account and they have a legal right to collect that from anyone who owes the amount. A divorce attorney should be able to determine whether the parties carry too much debt and suggest a joint bankruptcy filing. Depending upon the circumstances, a divorce filing will not prolong the divorce much longer (in Nebraska there is a 6 month wait period after the Judge signs the decree before a couple is legally divorced). Who gets stuck with the debt in a divorce is one of the reasons the parties cannot mutually agree on the terms of a divorce decree and are forced into a trial where a judge would decide. If the couple went through a bankruptcy, then that aspect of the divorce would no longer be relevant. The parties would likely save money in attorney fees by not having to go to trial. This is truly the best case scenario. There is nothing like a clean break then not to be burdened with the possibility of paying off someone else's debt. Many times a divorced party will come to me after their divorce because their former spouse filed for bankruptcy. The creditors are coming after the divorced party because they can no longer collect from the former spouse. Regardless what the divorce decree says about the debt, the creditor can collect. It is the usual case that the divorced party is forced into filing bankruptcy as well. This damages the relationship further, especially if the parties still have to communicate with each other in cases where children are involved. It is simply best to file your bankruptcy together prior to your divorce so that each party can truly have a fresh start after divorce and bankruptcy. -Ryan D. Caldwell is an Omaha Bankruptcy Attorney and Papillion Bankruptcy Lawyer representing creditor's rights and debtors seeking debt relief. ...read more
By Caldwell Law, LLC July 15, 2010
Not being able to pay your creditors due to job loss or other unforeseen circumstances can leave you feeling overwhelmed. Bill collectors will call you at all hours of the day attempting collect. A debt reduction service may be the answer for your situation, but there are scams that you will want to a... ...read more
Making sales these days is highly competitive and if you are not accepting charge and debit cards, you are missing out on sales. There are many different types of processing equipment deals as well as variables in merchant services. Learn how merchant services work and put them to use to make sales yo... ...read more
