Does cancelling my credit cards and applying for new ones lower my credit score?

Cancelling credit cards generally lowers your credit score. It is fine to not use them once they are paid off but I’d keep them open. It is also...

I was ordered an award of non pros against a debt collector for my student loans. Will I have to report them in my bankruptcy

A judgment of non pros means that the judgment was entered in the Defendant’s favor only because the Plaintiff has not continued the action. If it...

Is a dentist office allowed to by law call my mother in regards to my debt and disclose to her the amount of my debt?

How the transaction was taken by the dentist would dictate what they are permitted to do. If a debt collector or collection agency becomes...

Complicated question? What happens?

It is hard to answer your question without a little more information. I would definitely seek legal advice from counsel in your state. I am...

Just because the issue on your credit report has been resolved does not mean that the bank may still “try” to collect from you. If these fraudulent...

Can a company report the same account as a charge off on two different occasions?

I would dispute it with the credit bureaus. It is a repossession (or voluntary surrender) and they can report charged off debt. Still, it should...

How do I prepare a repayment plan for chapter 13 bankruptcy in Philadelphia Pennsylvania

The repayment plan is a critical component of Chapter 13 bankruptcy. In a chapter 13 bankruptcy, you repay a portion of your debts depending upon...

Can my husband legally open a credit card on my name? He would not use it, he would give it to me so that I could hire a lawyer

It is illegal to open a credit card in someone else’s name without their permission/knowledge. This is fraud.

There are several things which are generally not dischargeable in bankruptcy. One of these things is student loans. For that reason, a bankruptcy...

Why did an attorney say I can't use credit cards after meeting him?

I usually advise clients that once they’ve decided to go forward with bankruptcy, stop using and stop paying on your credit cards. “Once you’ve...