by Carol Lawson Esq | Jan 20, 2020 | Bankruptcy, Bankruptcy Chapter 7, CH7, Chapter 7, Consumer Credit
Chapter 7 is fast, easy and cheap. It takes about three to six months from start to finish. Chapter 7 discharges debts in exchange for you giving up non-exempt assets in liquidation or pay the trustee their value. Most Chapter 7 filings are what is called a no-asset Chapter 7, which means there were no non-exempt assets for the Trustee to liquidate. Chapter 7 bankruptcy also applies to many types of debt, including credit card bills and medical bills. It will discharge some taxes.
Clearwater Bankruptcy, 28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761
Phone: (727) 330-1627 email: [email protected]
by Carol Lawson Esq | Jan 14, 2020 | Consumer Credit
If you have filed for bankruptcy and are receiving unwanted calls from creditors :
• Know that providing your cell phone number on a credit application is considered giving the creditor permission to contact you. Revoke consent by sending a letter, ask to be placed on their DO NOT CALL list. Keep a copy of the letter.
• If you rescind permission and the creditors continue to call, save all voice mail as evidence of noncompliance.
• Keep track of any unwanted calls. Note the time and date they are received, the phone number, the duration, and any information the caller gives you. Include anything about the call or recorded message such as dead air segments, delays or clicks that occur before an agent comes on the line. Names of Agent, name of the organization calling, etc.
Penalties can range from $500-$1,500 per call. If a creditor is using an auto-dialer, these fines can pile up. If it is proven that a caller is willfully violating the TCPA, by repeatedly calling without your permission or after you ask them to stop, then it is $1,500 per call.
Clearwater Bankruptcy, 28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761
Phone: (727) 330-1627 email: [email protected]
by Carol Lawson Esq | Oct 11, 2019 | Bankruptcy, Consumer Credit, Florida Foreclosures, Foreclosure
Teachers and staff did you know that you have the MetLife Plan through Hyatt Legal you can
receive - a free trust, will, quitclaim deed, living will, healthcare surrogate, and DPOA
before the end of the year.
If they you my office - Carol Lawson PA- #727-410-2705, not only are after school appointments
available, but you receive a Dementia Directive for free.
Hyatt will also pay the Attorney fees ( no costs) for a Bankruptcy. Our office participates
in this area handling Chapter 7s only. Costs by our office are credit report, personal property
apprassial, and filing fee. You also are responsible for a credit counseling class.
by Carol Lawson Esq | Jun 30, 2019 | Bankruptcy, Consumer Credit, Uncategorized
The Ninth Circuit – U.S. Court of Appeals held that a bank did not willfully violate the automatic stay by placing a temporary administrative pledge on the debtors’ accounts in favor of the bankruptcy trustee.
A copy of the opinion is available at: http://cdn.ca9.uscourts.gov/datastore/opinions/2014/08/26/12-16087.pdf
Wells Fargo, however, recently got slammed by a Federal Judge in NY for their practice of freezing Chapter 7 Debtor accounts nationwide. Bankruptcy Court Judge Cecelia G. Morris. December 2014, awarded the Weidenbenners $25 in damages for a bounced-check charge, plus costs and lawyers fees. In her ruling, the judge blasted Wells Fargo, which was not a creditor in the case, for freezing the money and controlling access to it. Accusing the bank of “grandstanding” about bankruptcy-code compliance. In re Weidenbenner, 521 B.R. 74, 2014 WL 7139994 (Bankr. S.D. N.Y., 2014).
Wells claims that their nationwide policy is only to freeze accounts of debtors with $5000 or more– not true. If you are going to file Chapter 7– move your bank account from Wells Fargo before you file.
Clearwater Bankruptcy, 28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,
Phone: (727) 330-1627 email: [email protected]
by Carol Lawson Esq | Jun 16, 2019 | Bankruptcy, Consumer Credit
Are debt collectors constantly call your home and send you threatening letters in the mail, it might be time to consider bankruptcy. Clearwater Bankruptcy evaluates your financial situation to determine if bankruptcy is the best option for you. Your Clearwater Bankruptcy Attorney will explain the specifics of bankruptcy law, and help you understand how to rebuild your credit so you can get a fresh start. Don’t live in fear with the phone off the hook – get the information and answers you need. Debt Relief is what we do! Come in for a Free Consolation today!
Clearwater Bankruptcy, 28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,
Phone: (727) 330-1627 email: [email protected]
by Carol Lawson Esq | Jun 13, 2019 | Bankruptcy, Consumer Credit
You can rebuild credit a consumer needs to re-enter the world of credit and add new, positive information to damaged credit reports.
If you reaffirmed a debt in your bankruptcy such as a car loan, you have already taken the first step.
One of the easiest and least expensive ways to add a new line of credit to a credit report is to be added to a loved one’s existing credit card account as an authorized user. They must have good credit and pay on time to help you.
You can apply for and open a secured credit card account. They are also very easy to open, even with a recent bankruptcy.
Credit builder loans are extended by credit unions. Like secured cards, it is typically easy to qualify for credit builder loans even for consumers with severely damaged credit reports and scores. The loans, which are often for small amounts, are reported to the credit bureaus as a positive account as long as payments are being made. They accomplish two things, which are to get something good on your credit reports and to build a small nest egg for emergencies. Check with your local credit union to see if they offer credit builder loans.
Apply for a retail store credit card. Retail store cards are typically issued with very low credit limits and very high-interest rates, which makes them a perfect lending product for consumers with poor credit scores.
Get a joint credit card or loan or with a co-signer. Your joint applicant must have good credit.
Clearwater Bankruptcy, 28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,
Phone: (727) 330-1627 email: [email protected]
