Things a Debt Collector Won’t Tell You (Part I)

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Anyone who has defaulted on a credit card or other debt has had to deal with harassing phone calls from debt collectors.   Despite laws preventing it, these collectors will use intimidation, negative sales tactics and outright lies to get you to cough up money to them.  Once you realize what is real and what isn’t, [...]

Debt Consolidation or Bankruptcy: Which is Better?

One of the most frequent questions bankruptcy attorneys are asked by potential clients is whether they should file bankruptcy, or use a debt consolidation company to make payments towards their debts.   For those lucky debtors who qualify for Chapter 7 (which requires no repayment of debts but allows in most cases for discharge of all [...]