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Theodore Lyons Araujo
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Theodore Araujo’s Legal Guides

34 total

  • Protecting Your Rights After You File Bankruptcy

    Record the Communication When you file Bankruptcy you are protected by a statute called the "Automatic Stay". Section "362" of the Bankruptcy Code is a 15 page statute that basically says that 1)No

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  • Determining Your Credit Score

    Paying Bills on Time This represents 35% of the credit score. Late payments of more than 120 days or more re the worst for your score. They are often listed as "charge off". Payment histories gene

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  • How to Repair Your Credit Report

    Get the Credit Report for Free! Ignore the television commercials! Once a year you can go to "annualcreditreport.com" and get the free consolidated report allowed (i.e. required) under Federal Law!

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  • How to "Answer" When You Are Sued

    Get the Paperwork and Read It! Many people procrastinate, run away, hide or refuse to open their mail when they get sued. That is why 90% of all lawsuits end up in a "Default Judgment". Take the bu

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  • Fixing Student Loan Defaults

    What kind of loan is yours? There are two basic kinds of student loans and you will want to know which one you have before you start the analysis. Do you have a private or a federal loan? Knowing y

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  • How to Test Your Theory of Civil Rights Abuse

    Testing "Testing" means that you are going to have someone seek the employment or try to rent the apartment you were denied because of an alleged illegal bias. If you think you have been the victim

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  • Beware of Credit Card Offers to Recent Bankruptcy Filers

    "Disguised" Reaffirmaton Agreements With the banks and collection agencies still suffering from the financial meltdown they are going to extremes to make debtors repay the credit cards that were disc

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  • Loans to Avoid After Bankruptcy

    Payday Loans Some "check cashers" and finance companies offer to take a personal check from you and hold it without cashing it until your next pay day. In return they will give you an amount of cash

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  • Ten Things to Think About Before Getting a Credit Card After Bankruptcy

    Don't apply until you are ready! Bankruptcy may not have solved all of your financial issues. Don't get the new card, even if you can, until you can pay off all balances. Avoid Too Many Cards! You w

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  • Ten things to think about before using your credit card

    Establish a realistic budget. Most people get in truoble with credit cards because they lose track of their spending and pay only the minimums each month. Pay cash for a while so you understand just

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