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Miscellaneous Archives

DIVORCE AND BANKRUPTCY

About half of all marriages end in Divorce. The question is whether the couple should file a joint bankruptcy before or during the Divorce proceeding. There is no doubt that emotions run high and parties frequently have animosity towards each other. But if the couple can put aside their differences, bankruptcy can make things less painful. 

Divorce and Bankruptcy

About half of all marriages end in Divorce. The question is whether the couple should file a joint bankruptcy before or during the Divorce proceeding. There is no doubt that emotions run high and parties frequently have animosity towards each other. But if the couple can put aside their differences, bankruptcy can make things less painful.

WAGE GARNISHMENTS IN ILLINOIS

A wage garnishment is like a blow to your stomach. You get your pay check and $100 or more has been deducted by a creditor. Now, what give? Suddenly you can't pay your rent or a mortgage or a car payment? What do you do?

Sample Letter To a Collection Agency Disputing The Debt

The next time a collection agency or debt buyer company calls, get their company name and address. Then send them 1) a letter telling them they are not to call you anymore, and 2) a debt dispute/debt validation letter. If they call you gain after that, they will be violating the FDCPA. Do not worry about getting served with a lawsuit unless or until it actually happens. They are violating the FDCPA if they are claiming you are being sued when, in fact, you are not. Here is a debt dispute/debt validation letter you can use. Bear in mind that they are not required to produce all the documents my letter requests, but it doesn't hurt to ask.

COLLECTION AGENCY DISPUTES AND SAMPLE LETTER

The next time a collection agency or debt buyer company calls, get their company name and address. Then send them 1) a letter telling them they are not to call you anymore, and 2) a debt dispute/debt validation letter. If they call you gain after that, they will be violating the FDCPA. Do not worry about getting served with a lawsuit unless or until it actually happens. They are violating the FDCPA if they are claiming you are being sued when, in fact, you are not. Here is a debt dispute/debt validation letter you can use. Bear in mind that they are not required to produce all the documents my letter requests, but it doesn't hurt to ask. 

Credit Cards and Their Traps

Most of us have credit cards. It is difficult to avoid them. Banks love them because they get rich off of them. Folks become addicted to them and wind up in a never ending spiral of high and unaffordable interest payments.

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