Credit Repair - Part 5 How much damage does bankruptcy do to a credit score?
Aug 15, 2011
Because credit scoring is based on ratios, there is no exact answer to this question. In the worst case scenario, a bankruptcy can drop a credit score by as much as 150 points. A foreclosure can drop t...
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Credit Repair - Part 4 What goes into making the credit score?
Aug 15, 2011
FICO is the only company lenders use to analyze your use of credit. Your FICO score is only available at www.myfico.com. Although other companies claim to provide your credit scores, your creditors onl...
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Credit Repair - Part 3 The way you use credit today & in the future determines your credit score
Aug 12, 2011
Those in the business of selling credit repair often only focus on removing negative items in order to improve your credit score. But it isn't enough to just remove negative items, because your credit ...
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Credit Repair - Part 2 Credit Disputes can only fix a small part of what is wrong with your credit!
Aug 10, 2011
It is pretty easy to file a credit dispute. The website of each of the credit bureaus has a simple point and click dispute feature that lets you select from a short menu of explanations for your disput...
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Credit Repair - Part 1 Don't be Scared of Your Credit Report and Credit Score!
Aug 10, 2011
To be able to repair rebuild your credit, you 1st have to face any fear you might have about your credit report. Many people look at their report and freak out at the mysterious codes and technical...
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Defending a Lawsuit - How to Answer a Summons & Complaint
Apr 22, 2011
When you have been sued, it is a natural tendancy to want to defend yourself by explaining that you are a good person & that the creditor has been a jerk. Or that you have plenty of good reasons for n...
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Can I Leave Debt out of My Bankruptcy That I Want to Pay?
Apr 22, 2011
You can chose to pay debts listed in your Bankruptcy if you wish, but the law absolutely forbids you from leaving the debt out of your bankruptcy.
Whenever I hear someone ask me this question, I cri...
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What Should I Look for in Hiring a Bankruptcy Attorney?
Apr 22, 2011
The number one thing you should look for is someone who is compassionate. You don't want a lawyer who frightens you, will mistreat you or lets his or her staff abuse you. There's a difference between b...
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What Can I Do If I Make Too Much Money to File Bankruptcy?
Apr 22, 2011
If you have thoroughly reviewed your income and available deductions on the Means Test, and can't qualify to file a Chapter 7 Bankruptcy, you have a couple of choices.
One choice is to wait to file...
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What Kinds of Problems Can Occur in a Bankruptcy Case?
Apr 13, 2011
The biggest problem is carelessness and not paying attention to your attorney. For instance, if you forget to tell your attorney about the junk MG sitting in your back yard, your Trustee who sees the D...
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