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  • Federal Law and Consumer Credit Scores

    With the exception of your Social Security number, no other number has more of an impact on your life than the impact made by your credit score. Credit scores influence lender decisions on whether to offer you credit cards and loans for big ticket items, such as a home and automobile. Even employers use credit scores as one factor in determining the qualifications of a job applicant.

  • Misrepresented Wraparound Lien Upon Sale, What Are My Options?
      by HG.org

    Real estate laws are often difficult to understand because they change constantly. The state the property resides in has laws that affect what changes apply to the deal or project. This means that if a real estate lawyer is hired, he or she must be versed in the modifications to the law and have up to date knowledge of what this means to the case.

  • Can a Lawyer Help Me Defend Against Foreclosure?
      by HG.org

    Before someone may attempt to defend against foreclosure, it is important to understand what it is and how it affects those impacted by it. These processes are often complicated and it may be essential to ensure a foreclosure lawyer is hired to assist with these procedures in order to fight them.

  • So You Want to File a Bankruptcy on Your Own in Texas, Do You?

    Bankruptcy is more than just filling out a few forms and filing them. One of the forms you file with your bankruptcy petition gives the warning that bankruptcy has serious long-term financial and legal consequences that include losing your property.

  • Deciding between Chapter 7 and Chapter 13 Bankruptcy
      by HG.org

    Many individuals who file bankruptcy file under the specific chapter that they qualify for. If they are not eligible for one filing, they explore the other. However, some people fall into multiple eligibilities and determine which bankruptcy filing will better suit their needs.

  • What Bankruptcy Can and Cannot Do
      by HG.org

    Millions of underwater debtors including individuals and businesses have turned to bankruptcy for relief. While bankruptcy is a powerful way to shield debtors from further debt collection efforts, it does not solve all financial problems. Additionally, there are different things that bankruptcy can accomplish based on the type of bankruptcy that is filed.

  • What Not to Do Before Bankruptcy
      by HG.org

    Bankruptcy laws are often complex in nature and some filers make mistakes before they ever file their petition at the courthouse. Making certain mistakes may have an adverse effect on bankruptcy or even prevent someone from qualifying for bankruptcy. Some mistakes to avoid include:

  • Defending a Debt Collection Lawsuit
      by HG.org

    If a person owes money to a creditor, the creditor or debt collection company may commence a debt collection lawsuit against the debtor. If the creditor secures a judgment, it can then take steps to collect on it through garnishment or attaching a lien on the debtor’s unexempted property. There are often several ways that a debtor can avoid these negative results, including the following:

  • What Happens in a Debt Collection Lawsuit?
      by HG.org

    Debt collection companies are often given a specific protocol to follow when collecting debts. Their owners may set out specific rules for these transactions. Additionally, federal and state laws often impose additional requirements regarding the collection of debt.

  • What is the Role of a Bankruptcy Attorney?

    Bankruptcy is a complex procedure that requires you to make a host of critical decisions from before the time you file straight through to the time your debts are discharged and the bankruptcy procedure concludes. An experienced bankruptcy attorney can guide you through the dizzying maze of decisions, paperwork and procedure that marks a bankruptcy filing, whether it is a chapter 7 or chapter 13.


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