Can One Spouse File Bankruptcy?
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|The simple answer is yes!|
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1). Get a copy of your credit report from all three major credit reporting bureaus: annualcreditreport.com . This is the free site, with no strings attached. It is promoted by the Federal Trade Commission, FTC.
-------If you think that you are a victim of identity theft click the id theft link.
2). If you find mistakes on your credit report, contact the reporting bureau that has reported the error. Follow their instructions for dispute resolution.
3). Include as much evidence as possible to demonstrate there was an error. Receipts, written correspondence, detailed notes on telephone conversations including date, time, issue discussed and the outcome, as well as the person you spoke to. Always try to get bot the first and last name.
4). Make copies of everything. Do not send your originals if you can avoid it.
5). Once you have filed your dispute, you should expect a response within about 40 days. Confirm this with the credit reporting bureau.
6). If you have not heard back from the credit reporting bureau within 50 days, you may need to contact them or refile your dispute.
Federal Trade Commission Consumer Credit Report:http://www.ftc.gov/bcp/menus/consumer/credit/rights.shtm
Credit & LoansYour Rights: Credit Reporting
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
How do I order my free report?
You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
A Warning About "Impostor" Sites
The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.
For more information on free annual credit reports and to view another video about AnnualCreditReport.com visit www.ftc.gov/freereports.
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Ten Myths of Filing for
The Correct Type of Bankruptcy For You:
There are several types of bankruptcy. Below is an overview of bankruptcy options. We will work with you to determine which type of bankruptcy filing will best suit your situation.
Bankruptcy for Individuals:
Bankruptcy for Municipalities:
"I don't want everyone to know".
world does not have to know that you have filed for bankruptcy.
Filing for Bankruptcy can be overwhelming for many people. Fortunately, with so many people filing for bankruptcy it is starting to lose the stigma it once had. We know that bankruptcy is an essential option. We understand bankruptcy laws were created to protect you. We are well versed in bankruptcy law and prepared to use our expertise to help you. We are here to educate you about your options and file bankruptcy cases. Filing bankruptcy is often used to stop foreclosure and repossession of your home and assets.
|This is what you need to know...|
|Bankruptcy lawyers have helped hundreds of people get back on their feet. We know that financial hardship effects you and everyone you are supporting. We can help you get a fresh start. Most people find that filing bankruptcy is not just a necessity it is also financially advantageous.|
Filing for bankruptcy creates an automatic stay, which stops a scheduled foreclosure sale.
Get Creditors Off Your Back
Filing bankruptcy stops your creditors from harassing you. Once you file, you can stop feeling like a train is coming toward you that you can't avoid.
The Service members' Civil Relief Act applies in bankruptcy cases. It provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors.