1. Get Educated There are various types of credit card consolidation, and the credibility of companies varies drastically. The decision to consolidate your debt will have very significant consequences and all cases affect your credit. Educate yourself and do your...
How to Enhance Your Credit Score
So what's the answer to those of us who ask: How do I really enhance my credit score today if simply paying on time isn't the best approach? Reducing Debt Load The best means to enhancing your credit score is reducing utilization and a healthy debt-to-income ratio....
Can I Sue Debt Collectors?
Consumers can sue creditors who have violated consumer protection and fair debt collection laws. Unlike other attorneys, we are not afraid to file suit against creditors who violate your legal rights. Every case is unique, but if you are being harassed or abused by...
FICO Score Calculations: Yesterday And Today
For many of us, maintaining a good credit score is a top priority in life. We may overlook getting that oil change or forget the annual physical at the doctor's office, but we do everything necessary to pay our credit card bills on time, believing that on-time...
How to Improve Your Credit Score
How can you improve your credit score when budgeting in Connecticut is difficult. Even when people start out with good financial habits, they often get talked out of them by persuasive marketing messages that praise the value of having things right now — even if...
10 Common Myths about Credit Card Debt and Credit Scores
Below are common credit card debt myths that many people have when facing financial problems. Credit Card Debt Myths #1: To Get a Perfect Credit Score, I just need to Pay on time In the past, if you had a steady income and always paid your bills on time, you...
What is the Credit Card Debt Relief Process?
The process for credit card debt relief has 3 different stages. Stage 1: Pre-Bankruptcy Planning: Expert Chapter 7 practice requires perfect preparation: The key to all Chapter 7 cases is advanced and well-Powered preparation prior to filing. Complete evaluation of...
What are the Options to get rid of Credit card debt?
There are various proven legal options for debt reduction, including debt settlement, debt relief and bankruptcy. Experienced debt relief attorneys will know the best option for the best result under your specific circumstances, including Chapter 7 and Chapter 13...
Does Bankruptcy help you get rid of Credit card debt?
Chapter 7 bankruptcy protection can get rid of credit card debt and provides for the elimination or discharge of debts while protecting assets from creditors, collectors, and court judgments. At The Law Offices of Neil Crane, in Hamden, Connecticut, we have...