My credit check left me stunned! I am an ID Theft survivor. I have gone through credit repair HELL and have the battle scars to prove it. Despite these scars, I was not prepared for even more pain caused by deadbeat renters from my past!
When I recently pulled a credit report and saw a collection, I was stunned…actually, I was shocked!
In fact, you probably heard a sonic boom and looked toward the sky, didn’t you? What you heard was the sound of my jaw hitting the floor when I discovered Round Two of a fight I’d been in before.
I was bloodied once, and I didn’t want to face this attacker a second time.
What you see below is this “derogatory” collection account (IMAGE) on my (Experian) report.
For the life of me, I could not figure out who the Original Creditor is–City of St. Cloud until….
Despite the stigma and possible embarrassment of filing for bankruptcy, many people have mitigating circumstances that make it their only option to avoid repeated court proceedings against them.
Additionally, there are some financial companies that have no trouble offering to issue a person a credit card , usually with a higher interest rate and annual fees attached.
One the reasons companies will offer a credit card is the fact that a person cannot file for bankruptcy for at least seven years after the initial action has been discharged.
Knowing this, these credit card companies have a legal recourse in collecting on any unpaid debt resulting from the cards use. While most debt charged on a credit card is considered unsecured, if the cardholder cannot file bankruptcy, the company can use wage attachment to gain repayment.
There are numerous dangers is obtaining a credit card , beyond the usually higher interest rate, as charges for being late with a payment as well as annual fees can quickly put the person into a bad credit risk again. Read full post…
Every year, the members of the Central District Consumer Bankruptcy Attorneys Association recognizes an attorney, trustee, or judge for their exemplary efforts affecting consumer debtors. The award presented is the Calvin Ashland Award. This year’s honor was awarded to Chapter 13 Trustee of the year, Kathy A. Dockery.
Aside from the incredible honors, I noted the scuttle but about bow ties being appropriate for this occasion. So, I took on creating my own award for this year; “Bow Ties: Who Wore It Best.” This year’s semifinalists are pictured throughout. These gentlemen take their ties very seriously. Most notably was the confidence brought to the evening by the Honorable Judge Robles as he displayed the traditional, “tie-to-tie,” style of bow tie. Above, we feature an icon among bankruptcy attorneys, Mr. Dennis
There is a growing need for those entering their ‘golden years’ to face the reality of a fixed income that once looked like a hefty savings plan, plus Social Security is now Social Security alone; if you’re lucky. The stock market plummet has cut many Baby Boomer’s nest eggs by as much as 50% with no recovery in sight. Just a couple weeks ago, I read this article, Bankruptcy for Retirees is A Growing Problem where the author recommends that seniors contemplating bankruptcy should see a credit counselor at a non-profit organization to get their finances in order. What finances? Why does everyone still think bankruptcy is so bad and should be a last resort? I’m outraged!
Seniors are facing an even tougher financial crisis at a time when they’ve been duped by their stock market investments in their 401k plans; Social Security is issuing IOUs; Medicare is just a fraud; and healthcare is up for grabs. Now, you want them to consult with a credit counselor to get their finances in order before they file bankruptcy? Absurd.
I say that medical expenses and credit card debt is bad enough without someone saying you should stay saddled with that debt and do all you can to suffer miserably until your death to pay this debt, and your taxes too. What you really need is to consult with a financial planner and a bankruptcy lawyer to determine the right strategy for you.
There is one warning though; if you’re facing additional and ongoing medical treatment, you may consider delaying filing of bankruptcy only because you will not be able to obtain a discharge of your debts but once every eight (8) years. Otherwise, it’s time to permanently discharge your debts once and for all and live with respect, dignity and debt free in retirement.
Sales Training does NOT have to be painful and intimidating. How would you like to use the telephone to book appointments at 85%? Sounds impossible, doesn’t it? That’s what I thought before I experienced Joe & Dawn Pici’s Sell Naked Sales Training Bootcamp!
This post has nothing to do with credit. I apologize in advance if you expect me to discuss credit.
I hope what I’m about to share with you adds value as I always try to do. I am excited to share with you some of what I discovered at a “Sell Naked” Sales Training Bootcamp in Orlando, Florida (see video and post below):
Here’s why YOU might just benefit from this information. Whether or no
When I recently pulled a credit report and saw a collection, I was stunned…actually, I was shocked!
Every year, the members of the Central District Consumer Bankruptcy Attorneys Association recognizes an attorney, trustee, or judge for their exemplary efforts affecting consumer debtors. The award presented is the Calvin Ashland Award. This year’s honor was awarded to Chapter 13 Trustee of the year, Kathy A. Dockery. 
occasion. So, I took on creating my own award for this year; “Bow Ties: Who Wore It Best.” This year’s semifinalists are pictured throughout. These gentlemen take their ties very seriously. Most notably was the confidence brought to the evening by the Honorable Judge Robles as he displayed the traditional, “tie-to-tie,” style of bow tie. Above, we feature an icon among bankruptcy attorneys, Mr. Dennis 
market investments in their 401k plans; Social Security is issuing IOUs; Medicare is just a fraud; and healthcare is up for grabs. Now, you want them to consult with a credit counselor to get their finances in order before they file bankruptcy? Absurd.
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