Tag Archives: credit repair

Debt Settlement and Credit Repair Scams

Recently, we wrote about the difference between bankruptcy and debt settlement. Included in that post were several warnings about credit repair scams. We’ve all seen the advertisements, which are typically full of empty promises. Far too often we receive phone calls from individuals or families that were taken advantage of by so called “debt settlement companies” because of the difficult situation they were in. The Federal Trade Commission (FTC) recognizes this is a large problem and prepared a list of several “Credit Repair Scam” warning signs that we wanted to pass along. You’re likely encountering credit repair fraud if a debt settlement company: insists you pay them money before they do any work on your behalf; tells you not to contact the credit reporting companies directly; tells you to dispute the information on your credit report – even if you know its accurate; tells you to give false information on…
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Rebuild Credit After Bankruptcy

People file for bankruptcy for any number of reasons. They may have used credit cards a bit too often. A recent divorce or death in the family may have made times difficult. Or, a string of bad luck involving unemployment and unexpected medical bills may have led to financial problems. Bankruptcy may be the best opportunity for someone to reorganize their finances so that their future earnings are going toward upcoming expenses instead of past mistakes. Even though filing for bankruptcy is a major decision, the financial improvements you see should start immediately. However, those who file should also be concerned with overcoming the negatives associated with it. A recent study showed that, over time, people who file for bankruptcy match non-filers in important measures like home ownership, savings, and credit card use. If you are considering filing for bankruptcy, a Kansas City bankruptcy attorney can explain the effects of…
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Fathers Can Always Make It Right, Right?

In light of Father’s Day approaching, I decided to write this article about fathers. Fathers play a huge role in their children’s lives. My father taught me that a true gentleman always holds the door open for a lady and that if a lady is cold, a guy should give her his jacket. He taught me that a baseball game is not about who wins or loses – it’s about enjoying the weather, the company, and the atmosphere. My dad taught me that night crawlers are the best bait for reeling in the big catch. He also taught me to give and give freely without expecting anything in return. The lesson he taught me that sticks out to me the most as I write this article is: No matter how broke something is, daddy can always make it right… or at least break his back trying. In my line of…
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