If you’re in the process of making a large purchase – like a new memory foam mattress, a laptop computer, or a flat screen TV – the retailer may offer financing options. If you’re financing a big purchase, it’s critical to know the difference between deferred interest and waived interest. While financing options generally offer  … Read more

When making the decision to file bankruptcy, you need to be sure that it is the best option for your financial circumstances. Working closely with a qualified bankruptcy attorney helps ensure you get the results you deserve by lowering or eliminating your debt. In addition, having a Dallas bankruptcy attorney involved in your case helps  … Read more

Credit card debt is among the most common sources of debt among Americans today. While many manage to keep their credit use in check, many others have multiple cards and outrageous balances. In order to ensure your credit cards are reflecting a healthy financial profile, ask yourself these questions: Do I rely on credit cards  … Read more

Earlier this month it was announced that the FICO credit scoring system would be rolling out some changes. These new changes were expected to bring some good news to many consumers, so what’s the result so far? Mad About Medical Debt Under the old FICO scoring system, medical debt balances weighed heavier than expected in  … Read more

An important question in regards to bankruptcy is whether or not it will appear on future credit reports and what is allowed to be left off the reports entirely. While a bankruptcy lawyer can answer any questions in regards to particular situations and help guide you through issues that may arise, here is a general  … Read more

Missed payments and delinquent accounts is the fastest road to credit damage. While many people have ended up with poor credit through no real fault of their own, anyone dealing with low credit score face challenges ahead. However, there are some options for successfully repairing your credit: Consider bankruptcy — filing a bankruptcy case can  … Read more

Most of us move through life focusing on the important things and pushing everything else to the back burner. For many of us, that includes our credit score. It isn’t uncommon for people to ignore their credit profile until a problem arises, often making addressing the problem far more challenging. Here are some considerations you  … Read more

If you have been through the Dallas bankruptcy process you probably are relieved to be back on solid financial footing. Now that your debts have been satisfied and delinquent account standings resolved you are in the unique position to rebuild your credit. Here are a few tips for maximizing your future at new credit: 1.  … Read more

Many people fear the status of their credit report after bankruptcy. In reality, there is nothing to fear and you may be pleasantly surprised to learn that your credit will actually improve after your Dallas bankruptcy case. Why? 1. Collections halted — when you file for bankruptcy your creditors will be notified and given notice  … Read more

When determining whether or not to file for Texas bankruptcy – or which chapter to file under – many people wonder about how the bankruptcy will affect their credit report. While it is true that  bankruptcy stays on your credit report for a good length of time, the negative effects of this fact are often  … Read more