Your Right to an Accurate Credit Report

Your credit report is a record of your credit activities, including home and auto loans, credit card accounts, and actions taken against you because of unpaid bills. Your report also contains identifying information about you, public records (like judgments or tax liens), and credit ratings or scores based on your how much you have borrowed and how promptly you repay your debts. Specialty credit reports may contain your employment history, criminal record, insurance claims, or check-writing history. What’s at Stake Your credit report is critically important in the modern era. Lenders and in ...

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Your Right to Credit Privacy

Your credit report is a record of your credit activities, including home and auto loans, credit card accounts, and actions taken against you because of unpaid bills.  Your report also contains identifying information about you, public records (like judgments or tax liens), and a credit rating based on your how much you have borrowed and how promptly you repay your debts.  Specialty credit reports may contain your employment history, criminal record, insurance claims or check-writing history.  While not absolute, you have a right to keep this sensitive information private from those with no ...

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Your Right to be Left Alone by Collectors

One of the main reasons people decide to file bankruptcy is to end, finally, the endless calls from creditors and collectors. When you file for bankruptcy, federal law provides that all of these communications must stop.  11 U.S.C. §362  But what happens when your bankruptcy ends? There again, the Bankruptcy Code has the answer. The post-discharge injunction found in 11 U.S.C  §524 gives debtors protection from creditors whose debts they have discharged.  Once a debt has been discharged, no creditor or collector may ever take any action to collect, recover, or offset that debt. This rig ...

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Your Right to Cell Phone Privacy

Cell phones are inescapable in the modern world. Most of us have them with us at all times, always on. As convenient as they are for us, they are just as convenient a tool for debt collectors and creditors to reach you anywhere, anytime. Sometimes, even long after your discharge, the collection calls just keep coming. While ALL collection calls on discharged accounts violate federal law, there are special, additional protections from being “dunned” by cell phone. That’s because cell phone communications are easy for debt collectors and creditors to abuse. Congress has en ...

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