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Debt Settlement Companies: Throwing Good Money After Bad | Baxter & Baxter, LLP
http://www.baxterlaw.com/bankruptcy/debt-settlement-companies-throwing-good-money-after-bad
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. Debt Settlement Companies: Throwing Good Money After Bad. 185 Million Verdict against Equifax in Credit Reporting Case (Julie Miller v. Equifax Information Services, LLC, 2013). 100,000 Jury Verdict in Fair Debt Collection Practices Act Case (2010). 95,000 Jury Verdict in Unlawful Collection Harassment Case (Edwards v. The Rental Store, Inc., 2010). 107,000 Verdict in Injury Case (2008). ABC: Jury ...
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Unlawful Debt Collection Practices | Baxter & Baxter, LLP
http://www.baxterlaw.com/consumer/unlawful-debt-collection-practices
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. Unlawful Debt Collection Practices. Unlawful debt collection practices often overlap other fields of consumer law, including identity theft, false credit reporting, and elder abuse cases. In general, debt collectors may not engage in the following types of behavior:. 1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
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Chapter 13 Bankruptcy | Baxter & Baxter, LLP
http://www.baxterlaw.com/bankruptcy/chapter-13-bankruptcy
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. Most consumers are interested in a Chapter 7 discharge. However, there are many reasons to file a Chapter 13 bankruptcy. These include:. Spreading out tax debts. Lowering loan balances on car loans. If a debtor cannot makes all of his or her plan payments, he or she can seek to convert the bankruptcy into a Chapter 7 discharge. 100,000 Jury Verdict in Fair Debt Collection Practices Act Case (2010).
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How to Dispute False Credit Reports after Bankruptcy | Baxter & Baxter, LLP
http://www.baxterlaw.com/bankruptcy/how-to-dispute-false-credit-reports-after-bankruptcy
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. How to Dispute False Credit Reports after Bankruptcy. Bankruptcy is supposed to give consumers a fresh start. In a Chapter 7 bankruptcy, the Court may discharge some or all of a consumer’s debts. Consequently, the way creditors report the account to the credit reporting agencies must change as well. Disputing False Credit Reports after Bankruptcy. 1 Get a copy of your credit report. While it is...
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Telephone Consumer Protection Act | Baxter & Baxter, LLP
http://www.baxterlaw.com/consumer/telephone-consumer-protection-act
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. Telephone Consumer Protection Act. The Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 et seq., is a federal consumer protection law that prohibits certain marketing and collection calls. In particular, the statute limits unsolicited autodialer calls, or automated text messages to cell phones without prior consent by the consumer. 95,000 Jury Verdict in Unlawful Collection Harassment Case...
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Bankruptcy is a Financial Decision, not a Moral One | Baxter & Baxter, LLP
http://www.baxterlaw.com/bankruptcy/bankruptcy-is-a-financial-decision-not-a-moral-one
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. Bankruptcy is a Financial Decision, not a Moral One. And you are not alone! During calendar year 2008, nearly 1.1 million bankruptcy petitions were filed by individuals with predominantly nonbusiness debt, an increase of 32 percent over the number of filings in calendar year 2007. During calendar year 2009, nearly 1.4 million bankruptcy petitions were filed by individuals with predominantly non...
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Eliminating Second Mortgages through Chapter 13 Bankruptcy | Baxter & Baxter, LLP
http://www.baxterlaw.com/bankruptcy/eliminate-second-mortgage-through-bankruptcy
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. Eliminating Second Mortgages through Chapter 13 Bankruptcy. Example: The homeowners paid $500,000 for their house in 2006, with a $400,000 first, and a $100,000 second. Since that time, their home has fallen in value to $395,000. These homeowners could strip off the second mortgage, eliminate $100,000 in debt (most likely at a much higher interest rate), and keep their home. 200,000 Verdict against...
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How will Bankruptcy Affect my Credit? | Baxter & Baxter, LLP
http://www.baxterlaw.com/bankruptcy/how-will-bankruptcy-affect-my-credit
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. How will Bankruptcy Affect my Credit? Accounts Discharged in Bankruptcy. Will I Qualify for Credit after Bankruptcy. Comparison to Not Filing for Bankruptcy. This information is presented by the Bankruptcy Practice Group of Baxter and Baxter, LLP. The Portland, Oregon bankruptcy attorneys and Vancouver WA bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and...
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Employment Background Reports | Baxter & Baxter, LLP
http://www.baxterlaw.com/consumer/employment-background-reports
Michael C. Baxter. Justin M. Baxter. Kachelle A. Baxter. Kirsten N. Baxter. Chris & Sandra. Mike & Katrina. There has been a lot of confusion about these background checks, because a recent Oregon law seemed to ban the use of credit reports in hiring decisions. However, there were notable exceptions to the ban. The exceptions to the law include the following circumstances:. Employers that are federally insured banks or credit unions;. The employment of a public safety officer, or. 95,000 Jury Verdict in ...
