Posts Tagged ‘Credit Card Accountability Responsibility and Disclosure Act’

Should I Stop Using My Credit for a Certain Time Period before Filing Bankruptcy?

December 10th, 2012 by Reed Allmand

Credit card use may be a concern for debtors experiencing job loss or those finding it a challenge to make ends meet. While juggling daily expenses many have a hard time meeting debt obligations. Bankruptcy may be the next step for those who are considering the option. Many consumers understand they should stop using their […]


More Credit Card Companies Exploit CARD Act Loopholes

June 21st, 2010 by Reed Allmand

Credit Card Companies Exploit Loopholes

When the Credit Card Accountability Responsibility and Disclosure (CARD) Act was enacted it was designed to put an end to some of the practices used by credit card companies that negatively impacted consumers.  But now that three months has passed since the CARD Act was signed into law, many debtors are still finding themselves exploited […]


New Requirements For Credit Card Disclosures

January 14th, 2010 by Reed Allmand

Credit Card Disclosures

The first phase of the Credit Card Accountability Responsibility and Disclosure Act (aka Credit Card Act) goes into effect February 22, 2010.  The new law will require certain disclosures to all credit card consumers. The following disclosures must be present on every monthly statement sent to credit card borrowers: The total number of months it […]



Why do I need to submit a new wage order when I modify my plan

When we modify your bankruptcy plan we are changing your plan payments. This means that we have to get with your employer and change the terms and amount of your wage order. The only way we can do that is by filling out a new wage order form.  

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What happens if the stay terminates on my home?

If the bankruptcy stay terminates on your home that means that even though your in bankruptcy, your creditor can pursue all there legal remedies they can pursue if you were not in bankruptcy. This includes foreclosure, and having your house sold and evicting you from your house.

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