When Qualifying for a Loan: It's Not Your Credit Score that Matters -- It's How Much Debt You're Carrying

Probably the most frequent question I get from prospective clients is: "Will bankruptcy hurt my credit score?"

It's a fair question, but I usually find it a little amusing. It's a bit like the man who's drowning worrying about how he's dressed.

When Qualifying for a Loan: It's Not Your Credit Score that Matters -- It's How Much Debt You're Carrying

Probably the most frequent question I get from prospective clients is: "Will bankruptcy hurt my credit score?"

It's a fair question, but I usually find it a little amusing. It's a bit like the man who's drowning worrying about how he's dressed.

When Qualifying for a Loan: It’s Not Your Credit Score that Matters — It’s How Much Debt You’re Carrying

Probably the most frequent question I get from prospective clients is: “Will bankruptcy hurt my credit score?”
It’s a fair question, but I usually find it a little amusing. It’s a bit like the man who’s drowning worrying about how he’s dressed.

When Qualifying for a Loan: It’s Not Your Credit Score that Matters — It’s How Much Debt You’re Carrying

Probably the most frequent question I get from prospective clients is: “Will bankruptcy hurt my credit score?”
It’s a fair question, but I usually find it a little amusing. It’s a bit like the man who’s drowning worrying about how he’s dressed.

Three Important Decisions When Filing Bankruptcy

The first important decision when filing bankruptcy is should I file? Most clients struggle with whether or not to file for bankruptcy. Even if the person has significant outstanding debt, there is still often a question as to whether or not filing bankruptcy is the right solution. People worry about their credit scores. People worry+ Read More

Private Student Loan Default Rewards May Be Worth The Risk

private student loan default risk reward
When you’re looking at a significant private student loan debt, your options are limits to two – pay or don’t pay.
If you can afford to make the payments, you should do so as quickly as possible. The faster those private student loans are paid in full, the less you’ll wind up paying in interest charges.

New Oregon and Washington Student Loan Law Site

We recently launched a website for our Oregon and Washington Student Loan Law Practice. We are thrilled to be helping student loan borrowers in our community lessen their student loan burdens. As one of very few graduates in the Pacific Northwest of Joshua Cohen’s Student Loan Seminar and as a long time member of the National Association of Consumer Advocates, I am eager, willing and able to help consumers across both Oregon and Washington obtain better student loan terms.

How To Calculate Your Federal Student Loan IBR Payment Amount

adjusted gross income for ibr
Student loan lawyers love IBR, or income-based repayment. When it comes to federal student loans, nothing provides more flexibility than a repayment plan tailored to your ever-changing income.

Bankruptcy consultation shouldn’t be like “Texas Hold’em”

Q:  “Why Do you Want All these Forms Filed Out for our Bankruptcy Consultation?” A:  “Because you and I should not play Texas hold’em.” I’ve never played Texas hold’em.  But I’ve seen it on TV.  Maybe you have, too. Each players has their own cards–then the cards dealt in the middle face down are turned […]

CFPB Sues Junk Debt Collection Lawsuit Mill

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