Identity theft is an ever-growing issue in both Oregon and Washington, causing problmes with debt collectors and on credit reports. The criminals stealing your identity often open credit cards in your name and rack up massive charges, torching your credit score and barring your from making much needed future purchases . Bad credit scores can effect your ability to obtain insurance at a reasonable rate, oInsurance companies use lower credit scores to justify higher rates. You may even be denied employment or fired from your job because of false information in your credit history.

Under both the Fair Debt Collection Practices Act as well as the state consumer laws of Washington and Oregon, a collector may contact certain 3rd parties in connection with a consumer’s debt. A collector may contact a consumer’s attorney, the original creditor and its employees and legal counsel, the consumer’s spouse or guardian, a co-debtor and the consumer’s parent if the debtor happens to be a minor.

When you file for bankruptcy, your creditors are notified so they can stop collection activities. Using the official bankruptcy notice addresses protects you from further harassment.
You’re required to list all debts on your bankruptcy schedules – no exceptions.
Once notified of a bankruptcy filing, creditors must stop collection activities.

When you find yourself overwhelmed with debt and you decide enough is enough, you are ready to file for bankruptcy.  There are a number of bankruptcy lawyers who are qualified to help you get the relief you are seeking.  But, of course then comes the important task of choosing who you want to establish a [...]

There are a million places to get your credit report. Let’s make it free and easy, shall we?
You know you need to check your credit report regularly so you hit the Internet in search of a site.

Bringing you the most up-to-date news, tips and blogs throughout the web. Here’s your Bankruptcy Update for June 06, 2013 A County in Alabama Strikes a Bankruptcy Deal Alton’s SWI Energy files Chapter 11 bankruptcy Dance New Amsterdam files for bankruptcy

Even if you file your taxes late you can still file bankruptcy.  When you begin the filing process you are required to provide documentation about your finances, debt, and monthly income.   Your tax returns are necessary for a matter of reasons. Tax returns, including federal and state tax information, should be accurate for verification purposes.  [...]

By John Clark
Jefferson County, Alabama, the largest municipality to file for bankruptcy in American history, may be able to leave bankruptcy court soon, according to a report from the Wall Street Journal.
Sources indicate that J.P. Morgan Chase, the county’s biggest creditor, has tentatively agreed to a debt reduction deal that would save the county hundreds of millions of dollars.
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If you’re filing for Chapter 7 bankruptcy, you may want to keep your car or your home. Luckily, you’ve got a few options.