Read Sharon K. Campbell’s Blogs

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...

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...

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...

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...

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,...

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...