Credit scores – a necessary evil. Credit scores are used for everything from approving someone for a loan, to making someone a job offer. People with higher credit scores get lower interest rates, lower insurance rates, and more job offers. The question I hear most often from people is, “How do credit scores work?”. Well, […]
What You Need To Know About Credit Cards
WHAT YOU NEED TO KNOW ABOUT CREDIT CARDS Credit cards can be a useful tool, if you know how to play by the credit card issuers’ rules. Those rules changed substantially in 2009, when President Obama signed the Credit Card Act of 2009 into law. The Credit Card Act of 2009 serves to benefit consumers […]
Why File Chapter 13 Bankruptcy?
North Texas debtors file Chapter 13 Bankruptcy for many different reasons, but in general debtors are seeking two forms of relief in Chapter 13 Bankruptcy. The first form of relief offered by the bankruptcy code is the automatic stay. The automatic stay is sometimes described as a gate closing, locking out the creditors. Basically, the […]