When a landlord files for bankruptcy, many tenants are left in the dark about their rights and protections. Well, the good news is that when a landlord files for bankruptcy, the tenants do not lose any of their rights due to the bankruptcy. What this means is that the rights, as defined in your lease will be respected by the bankruptcy trustee; but it doesn’t necessarily mean that you will be able to stay in your rented home.

For Example : If you are living in a rented …

Comment by Bill Hooey: … could I have your direct e-mail address? I have …

Permalink: /filing_bankruptcy/tenant-rights-landlord-bankruptcy/

… cautious about who they deem creditworthy, there a few things every credit card consumer should know about their rights.

A credit card consumer cannot be discriminated against because of their family status. For example if you are a single parent a credit card company cannot deny you access to credit because of your family status.

A credit card consumer has the right to challenge information on their monthly bill without the fear that their credit rating will be damaged. For …

Permalink: /credit-counseling/your-credit-card-rights-what-you-should-know/

As a credit card consumer there are certain rights and protections that you enjoy. Let’s take a look:

Did you know that if you lose your credit card or if it’s stolen you are only liable for $50 maximum of unauthorized charges regardless of when you reported the loss or theft? This rule is part of the Fair Credit Billing Act which protects credit card consumers from suffering financially because of unauthorized use of a credit …

Permalink: /credit_card_negotiation/credit-cards-and-your-rights/

… is planning to sign the credit card legislation that would put a Credit Cardholders’ Bill of Rights in place.

The article said:

The Credit Cardholders’ Bill of Rights Act:

• Takes effect nine months after enactment, except for notice before interest rates are increased, which goes into effect in 90 days.

• Prohibits retroactive rate increases unless the cardholder is at least 60 days behind in paying the bill. If a person does fall behind and the rate on past buys is …

Permalink: /breaking-news/credit-cardholders-bill-of-rights-act-may-become-law/

… With the proposed changes in the bankruptcy law, homeowners facing foreclosure would have more rights and mortgage companies would be forced to come to the negotiating table with terms that are fair, affordable and designed to prevent foreclosure.

Permalink: /loans-mortgages/bankruptcy-changes-will-give-homeowners-more-rights/

… unwarranted interest rate hikes and other unfair practices.  

The Credit Card Holders Bill of Rights Act of 2008 seeks to change all that. The Act is a balanced approach to reforming major industry abuses and improving consumer protections for cardholders. It will put an end to many of the tricks and traps that make cardholders incur interest rate hikes and pricey fees and protect them from arbitrary interest rate hikes, hidden fees, due date gimmicks, and misleading account terms.   …

Permalink: /dallas_bankruptcy_laws/the-credit-card-holders-bill-of-rights-act-of-2008/

Are you delinquent on your car loan?  Missing a car payment can result in repossession in a very short amount of time.  If you fail to pay your car loan, a lender has the right to repossess your vehicle immediately and they are not required to give you a warning that they intend to do so.  However, a repossession agent (repo man) does not have the right to harm your or in any way “breach the peace” to carry …

Category: Bankruptcy , Car Loans / Title Loans , Managing Your Finances , Repossessions

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… debt.  You probably feel guilty about what you haven’t been able to pay, because that’s how your parents raised you:  pay what you owe.  Even if you have guilty feelings, you do not have to be treated like a criminal.  You are still a consumer with consumer rights.  Know them and understand what those rights are.

Debt collectors are prohibited by state and federal statutes from using tactics that harass, annoy or alarm you or your family.  Some examples include:

Repeatedly …

Tags: Consumer protection Debt Collectors Federal Trade Commission Know Your Rights

Permalink: /bankruptcy/hounded-by-a-debt-collector%e2%80%a6-know-abuse-and-report-abuse/

… You might find yourself with an increased minimum payment, an increased interest rate, or perhaps your income has changed and you can no longer afford the minimum payment. Remember that no matter how much the bill collector insists that you pay them immediately, your credit card bill might not be the most important bill you have that month. Most people would agree that buying groceries or paying your health insurance premium would certainly be more important than paying a credit card bill, …

Comment by Jacob Decker: Did you know that you can negotiate your way …

Permalink: /dallas_bankruptcy/always-know-your-rights-when-negotiating-with-credit-card-companies-2/

… You might find yourself with an increased minimum payment, an increased interest rate, or perhaps your income has changed and you can no longer afford the minimum payment. Remember that no matter how much the bill collector insists that you pay them immediately, your credit card bill might not be the most important bill you have that month. Most people would agree that buying groceries or paying your health insurance premium would certainly be more important than paying a credit card bill, …

Permalink: /dallas_attorney/always-know-your-rights-when-negotiating-with-credit-card-companies/

A car title loan is a short-term loan (using your car as collateral) that’s intended to be no longer than thirty days. If you don’t repay the car title loan your vehicle can be seized and sold to pay off the loan. Car title loans are usually targeted at low-income individuals and come with very high interest rates, as much as 22% interest for one month or 300% interest for one year. Although car title lenders write most loans for …

Permalink: /dfw_metro_bankruptcy/car-titles-loans-are-risky-business-know-your-rights-and-responsibilities/

According to an article in the Dallas Morning News , new legislation that would rein in credit card practices is set for a vote in Congress on Thursday.

The article said: Measures before the House and Senate are designed to enhance protections for credit card customers. The House bill, which was being put to a vote Thursday, would prohibit so-called double-cycle billing and retroactive rate …

Permalink: /credit_card_negotiation/credit-card-holders-bill-of-rights-close-to-becoming-law/