Buy Now, Pay Later (BNPL) Services for Groceries With food prices at historic highs, more consumers are turning to buy now, pay later services for their grocery purchases. Companies such as Klarna, Zip, Zilch, Affirm and Afterpay seem so convenient. Klarna reported...
Case Study: That Boyfriend from Twenty Years Ago Ruined My Credit Today. The first call of the day was from a suburban mom. She was in tears after her paycheck was garnished from out of the blue. We talked for a while, and I explained all the legal protections of...
Case Study: Saving Your Home After the Death of a Husband I was able to help my client save her home after her husband passed away this spring. With the expenses of his last illness and burial, her fixed retirement income was not enough to pay the mortgage for several...
Stop Mortgage Foreclosure FAST! Today we helped our client to save her home from mortgage foreclosure. When she called, there was a mortgage foreclosure scheduled on her home. Following an illness and missed work she reached out to the mortgage lender, but they didn’t...
Prices are rising and credit card balances are hitting record levels. Interest rates are moving up into the 18% APR range for folks with better credit ratings. Worse for the rest. Household debt is rising faster than inflation. Due to record high home values, credit...
Ok, it's over. You have your Chapter 7 bankruptcy discharge from the Bankruptcy Court. What now? Do these seven things to tie up your loose ends and begin your fresh start the right way! Keep Keep your Discharge Order. Keep your lawyer's contact information. Keep a...
So here’s what’s up: To Tenants: If the government says you don’t have to pay your rent and there’s a ban on evictions, you better do whatever you can to pay your rent. There will be major repercussions when evictions bans are lifted. Don’t think you’ll get a free...
This is the era of Do-It-Yourselfers. Spend a few hours on Google, download the official bankruptcy forms, and you can file your own bankruptcy or Chapter 13! What could possibly go wrong? Tomorrow, December 1, 2015 NEW bankruptcy forms are required in...
This is very good news for bankruptcy debtors who have been abused and wronged by creditors. Over in the 9th Federal Circuit, the Appeals panel has issued a ruling that is good news for Americans who are abused by creditors [Sternberg v. Johnston, 595 F.3d 937 (9th...
In a break from tradition, instead of a blog entry essay, I am reproducing the entire article from www.collectionscreditrisk.com that can be found here: alabama-payday-lending-tops-in-two-months I could not say it better myself. Payday loans are the scourge of the...
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