Free US Law Dictionary

Credit card payoff through debt management/credit counseling programs: be careful!
Our next-door neighbor in our office building, Tara McCarthy, was quoted in a Star Tribune article about a family who paid off $35,000 in credit card debt over four years and eight months...

Credit Card Companies May Damage Your FICO Score By Lowering Credit Limits
The USA Today recently ran a story on how banks are cutting credit card limits which has the effect of increasing the percentage of credit used as compared to the total available credit and this lowers the FICO score...

Collateralized Debt Obligations, Credit Default Swaps, And Credit Insurance, Continuation ....
.... Part 1 -- What Are These Things? Collateralized Debt Obligations and Credit Default Swaps belong to a group collectively labeled "toxic securities" in the media...

Errors On Credit Card Statements - What Alabama Consumers Should Do With The Fair Credit Billing Act
We just were this week contacted by an Alabama consumer who is dealing with false charges on her credit card bills. Unfortunately, this problem affects consumers across the country including those of us in Alabama...

Credit Card Industry Targets College Students to be "Credit Pushers"

Fourth Critical Step To Correcting Credit Reports - Sue The Credit Bureaus
We started this blog off with the suggestion that you pull your credit reports, review them, and dispute any errors with the consumer reporting agencies or credit bureaus (Equifax, Experian, and Trans Union)...

My fiance's check is DD into a local credit union. Bank seems to have a pattern of "invisibly holding" charges from the debit card until just HOURS before his DD is processed (and this is after hours, of course). Over th
Have your fiance take the information you've collected and go into the bank...

My father died and left my mother $200,000 (life insurance) My Mother died 2 years later leaving my sister and I with both about $75,000 each. (including house/vehicles/belongings which I never got). We were supposed to
File a police report. Two police reports, one for you and one for your sister. G...

Must I refinance my house aftering taking full ownership after a divorce via a quit claim?
When financing there are at least two documents...the mortgage and the note. The...

Should I return a phone call from a collection agency that doesn't name their client in the message?
In the county of the state where I live in the US, I am able to go to the websit...

My house has bee sold at a sheriff sale the proceeds of the sale covered the first mortgage. Am i still required to pay the second mortgage?
You are indeed still responsible for the home loan that was not paid through the...