The common misconception of the debtor in bankruptcy is an individual who was reckless in borrowing, and irresponsible in paying back their debts. While mismanagement and over-extension are present as causes in some bankruptcy cases, even the...
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At the beginning of the most recent century, both lenders and borrowers had developed many bad habits from a toxic combination of unrealistic optimism and immediate gratification. These bad habits led to a dramatic increase in bankruptcy for both...
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As the holidays approach, household credit card use will increase dramatically as consumers rely on credit for retail purchases, goods, and travel. The good tidings of December do not necessarily have to evolve into the bad tidings of January and...
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WRDW News 12/WAGT-NBC Augusta recently sat down with our attorney Zane Leiden to get his expert opinion on the growing epidemic of credit card fraud. With the holidays approaching, the amount of online shopping activity is increasing — and...
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According to a New York Times article dated October 20, 2017, four top American banks – Bank of America, Wells Fargo, Chase and Citigroup – made more than $4 billion in income from their credit card divisions between July and September 2017...
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Lately in Augusta we’ve been hearing radio ads from different companies that advise consumers that there are laws the credit card companies do not want to disclose, that would require credit card companies to accept less than the full...
Read moreMany people who encounter financial hardship and fall behind on their credit card payments may consider a debt management plan. [i] In the standard debt management plan, a third party contacts the credit card companies on behalf of the consumer...
Read moreEven the most vigilant, conscientious consumers may have to deal with a collection agency at some point. It could be because a bill was overlooked at some point. It may be because the consumer disputed the debt, and refused to pay the original...
Read moreOnce the joy and good tidings of the holiday season have subsided, unpleasant reminders begin to appear in the mailbox in the form of higher-than-average credit card bills. Some consumers may be prepared for their credit card statements, while...
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