I’ve been saying this all along, but you can get results with a little persistence, though the gist of this artical is to point out how rude and slimy these guys are.
They first tell the customer that they can’t lower the interest rate on her credit card, because it’s locked, then tell her that they […]

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I wrote about my impression on the Super Commercial for lifelock - it seems that other people than me were even less impressed….
http://creditchoices.net/wordpress/2008/02/lifelock-what-a-little-press-can-buy-you/
A quote from the article…
Credit bureau Experian is suing the identity theft prevention firm LifeLock, accusing it of deception and fraud in its familiar advertising campaign, which includes a spot in which CEO […]

Popularity: 7% [?]

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Pretty funny conversation…typical of how most calls will go.

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Popularity: 4% [?]

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Just received this notification:
I handle a lot of debtor cases and bankruptcies. Please note for revisions to your site that to my regret, the Georgia Court of Appeals came […]

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Maybe (ha!) this will actually get passed. We need a comprehensive reform on credit cards.
http://www.house.gov/apps/list/press/hi01_abercrombie/pr08credit_card_bill_of_rights.shtml
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Popularity: 4% [?]

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OK, talked to the Mississippi Tax guys, who was very nice and was trying to do everything he could. I had faxed over the documents on Monday night - my SSN card, last years 1040’s, my passport and driver’s license. He said he would issued a “cancelled, issued in error” document to the […]

Popularity: 6% [?]

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OK, I was going to refinance my house - my credit is great and I’m just going to slide right in to the best rates.
Well, no actually - there is a problem. A little brief history…back in 2003, I had a tax lien on my credit report which actually belonged to a clown […]

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It frequently amazes me how many people will call me and say ” I’ve got a lawyer and they recommend doing so-and-so, but I wanted to check with you first.”
Huh?? I’m not a lawyer, and I can spout case law right and left - but I have no experience defending anyone in court and […]

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Since they are losing their shirts these days, Citibank is really getting very aggresive with past-due accounts. They skirt the FDCPA by owning collection agencies, so when a Citibank collection agency calls, they can do whatever they want.
My latest client is being sued by Citibank for a $19K debt from 2004 that with fees […]

Popularity: 9% [?]

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According to an article in the Wall Street Journal today, percentage of consumer income (after taxes) going towards debt has edged up to 14% since 1990.
But the opposite is true in the corporate sector, where income which has gone to pay off debt has gone from over 25% in 2001 to 11% in 2007. […]

Popularity: 3% [?]

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