Legal Consultation

Have you heard the commercial which tells you that you have the right to settle your credit card debt for a small percentage of what is owed? Can that be true? Certainly, you have the right to settle the debt, but the creditors likewise have the right to demand full payment. It is a game […]

The COVID -19 pandemic has caused many previously unforeseen changes to our daily lives and the laws and regulations which govern them. Here are a few notable issues which may impact our clients: BANKRUPTCY The CARE Act will exclude stimulus checks and other payments from being considered as income for MEANS testing or calculation of […]

We have all heard the commercials – usually for larger consumer purchases such as cars, furniture or electronics –  offering zero-interest financing for a stated period of time. Great deal, right? Well, maybe not. Astute businesses do not loan money for free; there is always a cost. In these instances, it is quite likely that […]

There is no quick fix for a low credit score, despite the many magic bullets promised in ads online, on tv, on the radio, and everywhere else you look. The first step to addressing a low score is to check your report from each of the three main credit reporting agencies: Experian, Equifax and TransUnion. […]

Generally speaking the employment of a Debt Settlement Company is risky business. Commonly a Debt Settlement Company (DSC) will require debtors to make significant payments before they take action to settle the debts. DSC’s will normally withhold the regular monthly payment to your creditors (even though you are making a monthly payment to them) causing […]