60 Minutes Report Reveals The Broken Credit Report System In America
60 Minutes had an excellent expose of the credit reporting industry and how Equifax, Experian, and TransUnion are not concerned with fixing credit report errors.
The journalist on the story was Steve Kroft who really captured the frustration felt by so many consumers who cannot get the attention of the credit bureaus to fix a credit report with errors.
40 million Americans have errors — there are about 200… (Read more)
Why Are Collectors/Creditors Still Harassing Me After The Debts Were Discharged in Bankruptcy?
You made the decision to file bankruptcy and then he received your discharge order which means you are no longer liable for the debts that were discharged in bankruptcy.
This is your moment to get a fresh start.
But….
Creditors and collection agencies are still harassing you about the discharge debts.
Two questions come to mind.
First, why am I still being harassed over these debts when… (Read more)
“I got a judgment vacated, how do I get it off my credit reports?”
The best reason to get a judgment vacated is you were never “served” as required by the Alabama Rules of Civil Procedure. It may also be that you were able to set aside a default judgment for another reason.
Regardless, you have the judgment set aside. It will be described as “vacated” or “set aside” or held as “void”. Bottom line is the judgment that once… (Read more)
The dirty secret of hiring a great lawyer
The dirty secret is it is very difficult knowing for certain that you have found a good lawyer to represent you in whatever legal matter you have.
(At the end of this lengthy article I talk about how my family made the decision on hiring a lawyer as this might be helpful to you).
I know this sounds like a crazy thing to say, since I’m a lawyer who clients hire to… (Read more)
Jacob And Esau: First Recorded Identity Theft
Identity theft is a terrible problem that many people are facing in Alabama as well as other places in this country. Although many people think this is a new problem, identity theft has always been with us.
Usually when I give a presentation to lawyers or to community groups or business groups, I will ask the audience when the first reported case of identity theft occurred. Usually, I am told that identity theft… (Read more)
How To Fix Credit Report Errors In 4 Simple Steps — Introduction
This is from a national webinar we did on fixing credit report problems on your own and fixing them for free.
This will be a series of posts and this one is the introduction — I hope you enjoy and find this useful!
+++++
I’m John Watts. I appreciate you being here. Today we’re going to talk about four simple ways – or four simple steps – that… (Read more)