Articles

What to Do if a Client has a Mixed Credit File

If you have a client who is dealing with mixed credit file issues, you need to act immediately. A mixed credit file can cause many problems for your client, including difficulty in obtaining loans or mortgages. In this blog post, we will discuss what a mixed credit file is and how lawyers can help their clients deal with the problem. What is a mixed credit file? A mixed credit file is a credit report that contains information from two consumers and combines them into a single credit report. Let's say you have a client named "Sally Emily Smith." Sally's credit SHOULD be stellar (she's ...

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Can a Debt Collector Sue You?

I get asked this question a lot.  And the answer is (like so many things in life) "it depends." In the past 20 years in the United States, many collection agencies that used to collect only debts for others started buying that debt (insiders call this debt "paper.").  Sometimes the debt is very old (perhaps years beyond the statute of limitations which, in South Carolina, is typically 3 years from the last payment). These debt collectors - or debt buyers more accurately - can sue you to collect this debt.  If you live in South Carolina, they will typically sue you in South Caro ...

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Taking the right steps when your client’s identity has been stolen

  What to do if your client experiences ID theft There may come a day when you’re in your office minding your own business and a client walks in with an identity problem. They know exactly who they are and so does someone else. They’re victims of identity theft. And they’re worried about what to do next. You may be a little worried too. Here’s how to handle these cases like an expert ID theft lawyer.  ID thieves typically will divert account statements from the rightful owner's mailbox. As a result, most victims of identity theft first learn of the crime when they are contacted by a ...

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