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Credit Reporting After Bankruptcy Discharge
Bankruptcy clients frequently ask what their credit reports should say following the filing of bankruptcy. I generally recommend that clients check their credit reports a few months after their...
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Avoid Foreclosure Relief Scams
With pandemic-related moratoriums on home foreclosures ending soon, scam foreclosure relief companies will also start taking advantage of desperate homeowners again. Both federal and state law limit...
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Avoiding Debt Relief Scams
The federal Consumer Financial Protection Bureau (CFPB) has released important advice on avoiding the debt consolidation and debt relief programs many people use to deal with debt. According to the...
View ArticleDebt Collection Complaints in Iowa
Using data from the Federal Trade Commission (FTC), the National Consumer Law Center (NCLC) has compiled an analysis of the complaints made by Iowans about debt collection agencies. According to the...
View ArticleCollection of Medical Debt
One of the best places to get good information about debt collection and other consumer issues is the website of the National Consumer Law Center. Found at https://www.nclc.org, the website contains...
View ArticleBankruptcy’s Impact on Credit Scores
One of the questions I get most often is how filing bankruptcy will impact someone’s credit score. I generally think making decisions based on how your credit score will be affected is a bad idea. But...
View ArticleWhat debt collectors CAN’T Do!
What practices are off limits for debt collectors? Harassment They may not harass, oppress, or abuse you or any third parties they contact. For example, they may not: use threats of violence or harm;...
View ArticlePaying Off Credit Card Debt
When trying to decide between filing bankruptcy or paying off credit cards outside of bankruptcy, it’s important to consider how difficult it can be to pay off credit card debt where the balance owed...
View ArticleForeclosure in Iowa
Foreclosure is a scary word. The prospect of losing your home and having to find somewhere else to live can create a lot of stress. Foreclosure doesn’t have to be as frightening as it sounds if you...
View ArticleCredit Card Collectors Need Evidence of Debt
The Iowa Court of Appeals has laid out some important rules for anyone trying to collect on a credit card debt. The ruling came after Capital One sued two Iowans in small claims court. The cases had...
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