What are the laws on notifying a consumer of a debt before reporting them to the credit bureau?

You should contact the three major credit reporting agencies and inform them of your dispute. You have rights under the Fair Credit Reporting Act....

Need to get my rate lower i am on a fixed income

As long as you are current on your mortgage you may qualify for loan modification under the new Obama plan, "Making Home Affordable." Call the...

The most important aspect of any lawsuit is filing a timely answer or motion to dismiss. If you do not respond within the proper time period, a...