My office gets many questions from consumers who have gone through the bankruptcy process about its affects on their credit reports. One of the key concerns is the length of time that their reports will show the bankruptcy filing. The Fair Credit
Read More
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor.
Read More
If you live in North Carolina and you have unpaid debts, at some point in time you will likely get a letter or call from a debt collection attorney or law firm hired by your creditor. Unfortunately, many North Carolina residents are
Read More
Repeated, unwanted calls from debt collectors can be annoying, even harassing. Many consumers have told me that they considered filing for bankruptcy just to stop the calls! That is a drastic step that may not be necessary in every case. That’s because
Read More
Sitting in court, I often see people trying to defend themselves against credit card collection lawsuits. They usually tell the judge that they do not have any money to pay on the debt. Their situations are always very sympathetic, but judges have
Read More