Creditor Harassment

Credit Card Judgment: Too Late For Bankruptcy?

05/29/13

BailiffCredit cards file lawsuits to show they’re upset and they miss your payment.  If they win, they have a judgment against you.  It’s not unusual for debt collectors to say bankruptcy doesn’t “work” then.  They’re wrong!

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Debt Collectors Serve A Purpose, Even To People Who Owe Money

03/18/13

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Consumer protection lawyers like me are wrongfully trained to hate all debt collectors.

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Wage Garnishment Must Stop After a Bankruptcy Case is Filed; You Might Even be Able to Get Money Back

05/02/12

Bankruptcy Stops Wage Garnishment The minute a bankruptcy cases filed,an injunction called the automatic stay is issued, which prohibits creditors from trying to collect on debts that were included in the bankruptcy. The Ninth Circuit Court of Appeals has called the automatic stay “one of the most important protections in bankruptcy law.” The automatic stay is [...]

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Eleventh Circuit: No Such Thing as a “Harmless” Debt Collection Lie

04/06/12

Debt Collectors Cannot Use False or Misleading Statements to Collect a Debt Under the Fair Debt Collection Practices Act (FDCPA), a debt collector is prohibited from using false or misleading statements in order to collect a debt. A new decision out of the 11th circuit, reminds us that this rule is to be taken literally [...]

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Married to Bankruptcy in Montana

02/15/12

You’ve done your best to keep your head above water, managed your debt to the best of your ability and finally come to the realization that it is time to declare bankruptcy and get a new start for you and your family. One of the first decisions that married couples need to make when planning [...]

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