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What is the law concerning Credit Bureaus must have verifiable proof of the foreclosure account in their files if they are going to report the negative item on your report?
The Fair Credit Reporting Act requires creditors to report your account accurately, and the credit bureaus are required to maintain records that match the reporting. The bureaus are not responsible for the accuracy of the reported account information as they do not have access to the account records for each creditor. If you dispute the accuracy of an item, they request a response from the creditor, at which point the creditor must either show that your dispute is invalid, that your dispute is indeed valid, or fail to respond in a timely manner (failure to respond will mean the dispute is accepted and the item corrected or removed).
Can a credit union in Arizona through which you had a credit card freeze your bank account?
If the bank is the one that has the credit card, they can associate the card with the account. This might be a violation of regulation E. However if the bank and the card issuer are not the same, they have to get a judgment and then go to the bank with that.
An example of interstate cooperation required by the constitutoin would be?
Interstate cooperation required by the Constitution can be seen in the Full Faith and Credit Clause, which mandates that states must honor the public acts, records, and court decisions of other states. This cooperation ensures consistency and respect for legal proceedings across state borders.
What is a co-signor?
A co-signer is a person that will make a promise to pay off another persons debt if they default on it. Many banks, realtors and landlords will require a co-signer if a person has bad credit or has no credit.
Can they take you to court for non payment of credit cards i live in new hampshire have not been able to pay my credit cards since i got divorced the cards are mine what can they do to me they have st?
Yes, credit card companies can take legal action against you for non-payment. This can include lawsuits to obtain a judgment, which may lead to wage garnishment or liens on your property. It's important to communicate with the creditors, seek financial counseling, and explore options like debt settlement or consolidation to address the debt.
Do you have to get credit counseling before you can file for bankruptcy?
You do not have to necessarily get credit counseling before you can file for bankruptcy.
Is a credit couseling program required if I file for bankruptcy?
Most states do not require you to take a credit counseling course before filing bankruptcy. This is typically a volunteer activity.
Do i have to take credit counseling before filing bankruptcy?
Yes, you are required to complete credit counseling before filing for bankruptcy. This counseling must take place within 180 days prior to filing and aims to help you explore alternatives to bankruptcy. After completing the counseling, you will receive a certificate that must be included with your bankruptcy petition. Failure to complete this step can result in your case being dismissed.
Options are there before bankruptcy?
You can try credit counseling, as well as debt consolidation. That way your credit won't be ruined.
What are some reputable credit counseling companies?
There are many reputable credit counseling companies. Some of the most reputable ones include '123 Credit Counselors, Inc', 'Abacus Credit Counseling' and 'Advantage Credit Counseling Service, Inc'.
Is all credit counseling a scam?
Not all credit counseling is a scam, but it is very hard to tell the difference from the scams and the genuinely helpful programs. If you want to sign up for credit counseling, make sure to ask specific questions before signing up. If the answers are not readily available, then it is likely a scam.
Where can a person get advice on credit counseling?
There are a number of sites one can visit to get advice on credit counseling. One can find such advice at the 'National Foundation for Credit Counseling' or 'Better Business Bureau' who have a good advice on choosing a credit counseling agent.
Who has the best online credit counseling?
There are quite a few large Credit Counseling Companies online. There are several websites with reviews and testimonials about the major Credit Counseling Companies.
Should I seek out the services of credit counseling to handle my bankruptcy?
Credit counseling can be useful to use before declaring bankruptcy. They can help you manage your debt, develop a realistic budget, and formulate a plan to negotiate payments.
What kind of company is Careone Credit Counseling?
Careone Credit Counseling is a debt relief company that helps consumers get out of debt with the help of a trained credit counselor. They also provide credit counseling for those in need.
When was National Foundation for Credit Counseling created?
National Foundation for Credit Counseling was created in 1951-01.
What is a credit counseling agency?
A credit counseling agency is a business, or partnership which gives advice on either boosting your credit scores, and expunging credit blemishes from your record.
