As a result of my years of practice as a bankruptcy lawyer, I keep very few credit cards, but I do have a couple.  When one of my cards expired, I received a replacement in the mail that contained instructions to immediately sign the back of the card.
I have never understood the logic behind this.  [...]

In a previous blog post, I provided web links to pages on web sites published by Equifax, Experian and Trans Union dealing with security freezes. In that post, I noted that relatively few people have taken advantage of their credit freeze rights - some 50,000 credit freezes were entered, while there were over [...]

Back in November, 2007, Credit Law Network blogger Eugene Melchionne posted a report on this blog about credit freezes.  Gene noted that as of November 1, 2007, residents from every state in the union could place a security freeze on their credit file, thereby offering some protection against unauthorized use of credit in the event [...]

As a bankruptcy lawyer, I regularly receive calls from potential clients who tell me stories about unbelieveable harassment from bill collectors.   Perhaps you have been the recepient of such threats:

wage garnishment
public embarassment
debts will become responsibility of parent or spouse
imprisonment
personal "visit" by debt collector
curse words and other abusive language

The use of psychology by bill collectors to [...]

I am currently involved in a negotiation with a collection agency regarding my client’s debt with a large credit card issuer.  My client owes about $60,000 and she does not want to file for bankruptcy.   My client does not own a house and she works as a consultant, meaning that she can make good money [...]

I received this interesting question by a visitor to my Atlanta bankruptcy law web site:
I have a friend who had a vehicle repo almost 7 years ago and there now taking a sum of 25% of his check what can he do and can they wait so long?
Here is my response: First, I think [...]

I received this question from a reader of my Atlanta Bankruptcy blog. It raises the issue of what collection agencies can do and what you can do to protect yourself.
I am having a problem with a collection agency over a debt that I cosigned with my exhusband on. I am currently waiting on debt [...]

I was surprised to learn that many cell phone contracts provide that the account owner may be legally responsible for unauthorized calls made from a stolen cell phone.  David Bach reports on a Yahoo Finance article entitled “Ten Steps to Cell Phone Security,” that  large cell service providers like Cingular and T-Mobile have attempted to [...]

Except in limited circumstances, your Social Security money is exempt from levy, attachment or garnishment.  Section 207 of the Social Security law provides that “the right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable [...]