Cell phones are inescapable in the modern world. Most of us have them with us at all times, always on. As convenient as they are for us, they are just as convenient a tool for debt collectors and creditors to reach you anywhere, anytime. Sometimes, even long after your discharge, the collection calls just keep coming. While ALL collection calls on discharged accounts violate federal law, … [Read more...]
Your Right to be Left Alone by Collectors
One of the main reasons people decide to file bankruptcy is to end, finally, the endless calls from creditors and collectors. When you file for bankruptcy, federal law provides that all of these communications must stop. 11 U.S.C. §362 But what happens when your bankruptcy ends? There again, the Bankruptcy Code has the answer. The post-discharge injunction found in 11 U.S.C §524 gives debtors … [Read more...]
Your Right to Credit Privacy
Your credit report is a record of your credit activities, including home and auto loans, credit card accounts, and actions taken against you because of unpaid bills. Your report also contains identifying information about you, public records (like judgments or tax liens) and a credit rating based on your how much you have borrowed and how promptly you repay your debts. Specialty credit reports … [Read more...]
Your Right to an Accurate Credit Report
Your credit report is a record of your credit activities, including home and auto loans, credit card accounts, and actions taken against you because of unpaid bills. Your report also contains identifying information about you, public records (like judgments or tax liens) and a credit ratings or scores based on your how much you have borrowed and how promptly you repay your debts. Specialty … [Read more...]