Credit Card Lawsuit and Your Credit Report

What affect does being sued by a credit card lawsuit have on your credit report? Credit card lawsuits are not reported, per se, on a credit report. The debt upon which the lawsuit is based is probably already on your credit report. If the lawsuit is filed by a debt buyer, how it is reported 

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Protect Yourself – Safety Measures to Improve Your Safety

This week I decided to depart from the usual subject matter of this blog and post some information about personal safety. There have been a raft of crimes committed in the general area of town I live in, causing many people to live in fear. The alleged perpetrator has been caught, but it is not 

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Jury Verdict Against Used Car Dealer

A Tarrant County Jury rendered a verdict in favor of a consumer and against the used car dealer who sold him a truck. The consumer, my client, had found the truck on the car dealer’s website. The online ad stated the truck came with a 90 day 3000 mile powertrain warranty. The client, who lived 

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Credit Reports – How Bad Is it?

You pay your bills on time, haven’t accumulated too much debt, and generally handled your financial affairs the right way. So, you assume your credit report reflects that history, right? Unfortunately, that is not necessarily the case. A recent FTC study reports that one in five Americans have one or more errors on their credit 

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Federal Database for Car History

Did you know one existed? Long overdue, the National Motor Vehicle Title Information System (NMVTIS) went live early 2009. The federal database may be accessed by going to www.vehiclehistory.gov. NMVTIS was created to prevent the introduction or reintroduction of stolen motor vehicles into interstate commerce, protect states and consumers from fraud, reduce the use of 

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How Your Identity is Stolen

Do you have any idea how much information about you is accessible via the internet? Watch this video and be warned. So; now that you are awake, here are some tips to protect your information: Check your credit report at least annually – www.annualcreditreport.com Errors are common and frequent; don’t wait until you are about 

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What is “Hindering a Secured Creditor?”

What is “Hindering a Secured Creditor” and can a debt collector make such threats? Too often, debt collectors cross the line in their attempts to collect past due bills. Certainly a creditor is entitled to be paid the money it is owed, but there are limits to what a debt collector can do to collect. 

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How can I dispute a credit card bill?

What if someone steals my identity? What if a charge appears on my credit card that is not mine? What if a merchant overcharges me or charges me twice for what should be a one time charge? We read in the Dallas paper on a regular basis about identities being stolen, unknown charges showing up 

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Credit Card Company obtains Judgment against a Dallas County consumer – What next?

A judgment in Texas is effective for 10 years from the date it is abstracted (filed in the public records), and earns annual interest. The creditor may renew the judgment at the end of the initial 10 years for another 10 years. A judgment lien attaches to the debtor’s non-exempt real property in the county 

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What if I am sued by a credit card company?

Credit card companies and debt buyers are filing suit in Dallas County and the surrounding areas regularly and frequently. If you are served with a lawsuit, here are some facts you should know: If the lawsuit was filed in a Dallas County Justice of the Peace, you are required to file a response or answer 

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