November 23, 2017

Can I Go Bankrupt Without My Spouse?

Can one spouse file a bankruptcy case without the other spouse?  The answer is "yes." Who is an "authorized user" on the account? It is common these days for one spouse to generally be unable to pay their debts as they become due, while the other spouse is not liable for those debts. In this regard it is important to understand the  concept of “authorized user." Just because the spouse’s name … [Read more...]

I’ll Just Ignore the Certified Letters

Some people think they can tie their creditors' hands by ignoring requests for payment or by contesting their debts with a credit bureau. They also call my office for help cleaning up their credit reports, which is not a service I offer. If you wish to dispute an entry to your credit report, I suggest you use this letter guide, provided courtesy of the Consumer Credit Counseling Service of … [Read more...]