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Personal Bankruptcy Archives

Supreme Court does not expand FDCPA for debt buying companies

The Fair Debt Collection Practices Act (FDCPA) was developed in 1977 to protect consumers from unscrupulous debt collection practices. Among its provisions, creditors are prevented from using abusive practices in the process of collecting debts, including using profanity and other harsh language when communicating with consumers, calling consumers at odd hours of the day and threatening to put indebted consumers in jail.

Beware of car financing scams after bankruptcy

A number of our readers may wonder what shopping for a car will be like for them after they emerge from bankruptcy. Specifically, they may wonder about qualifying for a loan at all, much less financing that they can reasonably afford. After all, they may be insecure about their credit rating as a result of a recent bankruptcy. These are legitimate concerns, especially considering how predatory lenders still operate in the used car market.

The basics of the automatic stay

People mired in debt may be afraid of losing their home or car, but the stress of constant phone calls from dogged collectors can be too much for one to bear. Fortunately, most debt can be eliminated through bankruptcy, and one of the principal benefits is the automatic stay. This post will describe what the stay is, how it protects debtors who have filed bankruptcy, and how it can be used to promote a fresh financial start.

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