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Tag Archives: Credit

Chapter 13 Bankruptcy – How do Creditors get Paid?

Consumer Law Pro 2851 S Parker Rd, Ste 1158 Aurora Co 80014 Phone: 303-297-7729 Consumer Law Pro is designated as a Federal Debt Relief Agency by an Act of Congress and the President of the United States. We proudly assist consumers seeking relief under the U.S. Bankruptcy Code. A Member of the National Association of Consumer […]

Complaints Against Discharge

Complaints against discharge filed by creditors. There is no set dollar limit that will trigger a complaint against discharge, however, the potential for a complaint increases for those individuals with significant unsecured credit card debt. In the two cases in which complaints were filed against our clients (out of hundreds of clients) , the clients […]

Two-Year Limitations period for Collections on Cell Phone, Long Distance Bills

Consumers may not realize that federal law specifies a two-year statute of limitation for actions to recover on cell phone and interstate and foreign land line communications charges. This short period has a large impact because lawsuits for collections on these type of debts are often brought beyond the two year period. See 47 USC […]

Obtaining New Credit After Bankruptcy

Although a bankruptcy filing can remain on your credit report for 10 years, many individuals are able to rebuild their credit to the point that they will not be turned down for a major credit card or car loan after about two years from the date they received their bankruptcy discharge. Most creditors look for […]

Wages Protected from Ganishment Increased this July

The federal Consumer Credit Protection Act wage garnishment provisions exempt a portion of a consumer’s earning from garnishment, the amount being tied to the federal minimum wage. In July, the minimum wage increased to $7.25 per hour, so that the amount of an employee’s disposable earning totally exempt from ganishment increases to $217.50 for the […]