30 Dec
Posted by Hayley Crosby as Credit Score
Happy New Year everyone!
2011 was a wild year in America and also around the world.
Let’s hope this year will bring the start of a recovered economy and better lifestyle for all of us. Let’s hope the average credit score in America for 2012 goes up and helps Americans get the things they need.
More Americans will be hoping to buy a home in 2012 now that the prices have dropped and there are great deals on good homes.
Which leads me to our topic of 5 credit repair tips and techniques you can use in 2012 to improve your lifestyle, save yourself thousands of dollars and make your life easier.
Buckle Down Now that the holidays are over, it’s time to buckle down and save as much of your hard earned paycheck as possible. The holidays can take a lot out of your pocket, but luckily the first quarter of the year helps make up for it. Before summer hits, use this time to put away a portion of your paycheck each month. That money might go towards a new car or your dream home! If you need help with your budget, there is a specialized Budget Guide that comes with the Credit Repair Doctor™. The budget guide is easy and quick to use and it takes the lameness out of budgeting. It also helps
16 Dec
Posted by Marcus Lovegrove as Credit Score Services
Savings Accounts and Money Market Rates provided by 12 December 2011 Europe took a major step toward resolving some of its debt woes late Thursday and into early Friday. According to The New York Times, the European Union has agreed to change its treaty to require a greater degree of fiscal responsibility from member nations.
The new treaty requires countries in the European Union to limit their deficits to no more than 0.5 percent of their gross domestic product, though that rule can be bent under certain circumstances. It will also impose penalties for those who break that rule and require a greater degree of information sharing.
The treaty did not garner full support of all member nations, with the U.K. Read full post…
13 Dec
Posted by Hayley Crosby as Credit Score
I subscribe to a legal question and answer website where individuals ask questions about bankruptcy and attorneys, like me, answer them. In the last couple of weeks a number of people inquired whether or not it’s necessary to hire an attorney in order to file bankruptcy. The legal answer is no. It is not a legal requirement to have an attorney to file bankruptcy. In fact, I tell this to every potential client that comes into my office. You are under no legal obligation to hire an attorney to file bankruptcy.
However, the practical answer is different. Do I think it is imperative to hire an attorney to file bankruptcy? Absolutely.
While some bankruptcy cases are routine, the bankruptcy laws are complex, and it can be easy to screw up your case if you don’t know what you’re doing. If pr
THE big four Australian banks have had their credit rating downgraded by Standard and Poors. This is likely to dramatically reduce the chances of any rate cut announced by the RBA next week, being passed on in full to the consumers.
Standard & Poors, the worlds biggest ratings agency, has changed its ratings criteria in response to criticism in wake of the global financial crisis in 2008.
ANZ, Commonwealth Bank, National Australia Bank and Westpac were each cut one notch to AA-minus, the fourth-highest credit rating on S&Ps scale.
Macquarie Group was cut by two levels to BBB, the ninth-highest grade. Standard Chartered Plcs rating was increased one level to A-plus, the fifth-highest rating.
The move is expected to add to the pressure on the nations top banks, with the funding costs for Australias banks already starting to surge.
A payday quick loan is short-term cash advance that can help get you through unexpected bills or expenses. Like any financial transaction, it is important to know how a payday loan works so you can make the right choice for your situation.
Payday loans are short-term speedy loans(two to three weeks generally) for amounts generally less than a thousand dollars. There are a few methods to getting to loan, including writing a check for the loan and any fees and leaving it with the lender, or setting up electronic repayment. If you cannot manage to repay the loan when it is due, it can often be extended, which results in an additional fee. Read full post…
04 Dec
Posted by Hayley Crosby as Credit Score
Florida statutes provide unlimited protection against wage garnishment when the debtor is head of household. This protection is very broad and effective, but some states have even better wage protection. Four states- North Carolina, South Carolina, Texas, and Pennsylvania- do not allow wage garnishment to enforce a commercial debt regardless of whether the debtor is head of household. I do not know if courts have carved out any exceptions from what appears to be an unqualified prohibition against wage garnishment in these four states. I do know that many Florida debtors, including most unmarried debtors and some business owners, are vulnerable to continuing wage garnishment up to 25% of their take-home pay.
Many of my clients consider moving to Florida because they believe we have the best debtor protection laws.