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Can I Stop Debt Collectors from Harrassing Me?
In the United States, collection agents are limited in the methods they can use to collect consumer debts by the Fair Debt Collection Practices Act (FDCPA). Consumer debts include credit card debt, auto loans, mortgage…
Will Paying off an Old Debt Raise My Credit Score
Paying off old debts won’t always improve your credit score. If a debt is less than seven years old, paying it could improve your credit score, IF it is showing on your credit report. How…
Improving Your Credit Score: Steps You Can Take
One of the most common questions we hear at Morgan & Morgan, especially for people coming out of bankruptcy, is “What can I do to improve my credit score?” First, let’s examine what determines a…
What Should I do with my Tax Refund
With tax season right around the corner, many people are already anticipating getting their tax refunds back from the federal and state government. Last year the average federal tax refund was $2700! While getting a…
What Is the Means Test?
Before you can file for Chapter 7 bankruptcy, you must pass something called the means test. This test determines whether your income is low enough for you to qualify to file Chapter 7 bankruptcy under…
How Do Employers Perceive Those Who File Workers' Compensation Claims?
In our current economy, many workers are nervous about their ability to keep or find a job. These nerves may even keep them from filing for a legitimate workers’ compensation claim. They assume that future…
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