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Each document that is ready to be filed is marked accordingly with the words 'file' or 'ready to file'. This is known as a release mark.

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12y ago

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What is the purpose of credit counseling?

The purpose of credit counseling is to let a person know ways to reduce their debt. They also counsel people in ways to stay out of debt. A person might need credit counseling if they are about to file for bankruptcy.


After a filing can you use a credit card for an emergency purpose and not be in trouble help?

You should stop using credit cards before you file or you will have to pay all of the debt you incurred after you filed. When you file you have to list the debt and the company. If you keep using it you maybe challenged by the creditor.


Can you explain the purpose and importance of the security mark on the back of a check?

The security mark on the back of a check helps prevent fraud by making it harder to alter or counterfeit the check. It serves as a security feature to protect the integrity of the payment and ensure that the check is valid and authentic.


Does your cosigner have to know the details on your credit report and score prior to signing for a loan- does the lender share this information?

It is totally up to you who you share your credit report info with, but it is against the law for a creditor or credit reporting agency to disclose any information regarding your file, only you have the authority to access your credit file and unless there is a permissible purpose as defined by law no one else including a creditor can access your file.


Can you file a joint extension and then file separately?

No, you cannot file a joint extension and then file separately. Once you file for an extension, you must either file jointly or separately with your spouse when you submit your tax return.

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