tag:blogger.com,1999:blog-38703122919023596882024-02-21T02:42:21.872-05:00Segaul Law FirmUnknownnoreply@blogger.comBlogger8125tag:blogger.com,1999:blog-3870312291902359688.post-44161578147411817772018-03-19T14:07:00.000-04:002018-03-19T14:07:10.313-04:00Financial Goals <br />
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<b><span style="background: white; color: #333333; font-family: "arial";">Follow These Rules,
Not Social Media,</span></b><span style="font-family: "times new roman";"><o:p></o:p></span></div>
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<b><span style="background: white; color: #333333; font-family: "arial";"><span style="mso-spacerun: yes;"> </span>As You Set Financial Goals In 2018</span></b><span style="font-family: "times new roman";"><o:p></o:p></span></div>
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<span style="background: white; color: #333333; font-family: "arial"; font-size: 11.0pt;">Every day as you are bombarded by the social media reel of
your friends and family, it is easy to wonder how they can afford it all.
The vacations and new cars that are plastered all over their Instagram
and Facebook pages can make you scratch your head.<span style="mso-spacerun: yes;"> </span>The social media highlights never have a
post about a missed mortgage payment or massive credit card debt, but that is as common as the new necklace that your cousin is showing off on Snapchat.
If you follow a few or all of these financial goals you may find yourself
on the way to financial health and freedom from debt in 2018. </span><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;"> </span><span style="font-family: "times new roman";"><o:p></o:p></span></div>
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<b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;">Emergency Fund</span></b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;"> - Start with putting $500 in an emergency fund. Continue to add to this savings
until you have three to six months of basic expenses secured in case of an
emergency or job loss.</span><span style="font-family: "times new roman";"><o:p></o:p></span></div>
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<b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;">Write It Down</span></b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;">- Every month, write
down every single dollar you spend. Rent, utilities, vehicle expenses,
eating out, online shopping and entertainment as well as other spending
categories. Every dollar that goes out of your wallet needs to be accounted for.
You can do this in a notebook that you carry with you or use a budgeting app
on your smart phone.<span style="mso-spacerun: yes;"> </span>Seeing where each
dollar is spent will make you aware of where your money is going and where your
budgeting deficiencies can be found. Once you realize where your excess
spending is you can begin to change those spending habits.<span style="mso-spacerun: yes;"> </span></span><span style="font-family: "times new roman";"><o:p></o:p></span></div>
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<b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;">Create A Budget</span></b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;"> - When creating your
budget make it realistic and one you can follow. Hopefully you can find
some room in your budget to save for a trip or luxury item you have been
wanting. </span></div>
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<b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;">Save For Retirement-</span></b><span style="background: white; color: black; font-family: "arial"; font-size: 11.0pt;">
Setting aside 10 to 15 percent of your pretax income is the goal however if you
cannot afford that right now don’t wait. According to financial author
Emily Guy Birken, if you can only save 1 or 2 percent of your income for
retirement, then do that for now. Increase it as you get used to having
less in your paycheck or if you get a raise.<span style="mso-spacerun: yes;">
</span>Personal IRA accounts and 401K employer plans are good ways to save for
retirement.</span></div>
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Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-23725467939697087632018-03-12T14:37:00.001-04:002018-03-19T14:06:33.317-04:00Check Your Credit Score For Free<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<span style="font-size: 16px;"><strong><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkkO7mLSfBbkxB_kE723mLb7eYx7l0Nj5LqtqPQZzv9Uu35aFzDsvHVH1XP3kWUulTkm813FO7WIBIIB8RIz4TK1fvagPU4C2cAvT7tGOLM3vnz-wnCgy5emzW8_ruG26HMfjBGxCA3LIv/s1600/Your+Credit+Score.png" imageanchor="1"><img border="0" height="268" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkkO7mLSfBbkxB_kE723mLb7eYx7l0Nj5LqtqPQZzv9Uu35aFzDsvHVH1XP3kWUulTkm813FO7WIBIIB8RIz4TK1fvagPU4C2cAvT7tGOLM3vnz-wnCgy5emzW8_ruG26HMfjBGxCA3LIv/s320/Your+Credit+Score.png" width="320" /></a></strong></span></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br /></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<span style="font-size: 16px;"><strong>HAS IT BEEN 3 MONTHS SINCE YOU HAVE FILED FOR BANKRUPTCY</strong></span></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<strong style="font-size: 16px;">CHECK YOUR CREDIT REPORT </strong><strong style="font-size: 16px;">FOR FREE</strong></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br />
The three major credit bureaus (Equifax, Experian and TransUnion) are required to provide consumers with one free credit report every 12 months. It is important to check for errors since it has been reported that one in five Americans may have a mistake on their report. <br />
<br />
To get your free report click </div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
or visit <a href="http://www.annualcreditreport.com/">www.annualcreditreport.com</a> or<br />
call 877-322-8228</div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br /></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br /></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br /></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br /></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<br /></div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
Segaul Law Firm</div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
300 S Pine Island Road, Suite #304</div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
Plantation, FL 33324</div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
954-424-3600</div>
<div style="color: #333333; font-family: Helvetica, Verdana, Geneva, sans-serif; font-size: 14px; text-align: center;">
<a href="http://www.segaul.com/">www.segaul.com</a></div>
<div>
<br /></div>
Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-56355971970344190872017-06-13T12:30:00.001-04:002017-07-10T14:51:42.971-04:00New Wave of Home-Buying May Be on the Horizon<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSVv7VRzUgcams9QTjpDkZjy7mlbDTnY6fjDXEdHlLSWi_gAvIJrCL1ocY6J856ii5nFSHFiQamU2lL2Vj_8-VilpUBATADqkViRowy2GsnaXtdaPRidn5qFcDWIkjpXP3xgHQmiTbxUJa/s1600/approved.jpg" imageanchor="1"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSVv7VRzUgcams9QTjpDkZjy7mlbDTnY6fjDXEdHlLSWi_gAvIJrCL1ocY6J856ii5nFSHFiQamU2lL2Vj_8-VilpUBATADqkViRowy2GsnaXtdaPRidn5qFcDWIkjpXP3xgHQmiTbxUJa/s400/approved.jpg" /></a></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<b><span style="font-size: large;"> New Wave of Home-Buying May Be on the Horizon</span></b></div>
<div style="text-align: center;">
<br /></div>
<div class="MsoNormal">
The year 2017 marks the seventh year since a huge influx
of bankruptcy filings in 2010 at the peak of the housing crisis. Millions of Americans will
begin to see these bankruptcies start to fall of their credit reports. Once off, as credit scores begin to improve,
many of these consumers are expected to enter or re-enter the housing market.</div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
As reported by The Wall Street Journal, credit scores hit a
record high this spring while the percentage of Americans in the riskiest
borrower category has hit an all-time low. Armed with good credit, these potential buyers will be heading out creating an aggressive housing market. According to housingwire.com there are other factors that will also play into this competitive market.</div>
<div class="MsoNormal">
<o:p></o:p></div>
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</div>
<ul>
<li style="text-align: left;">·<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal; text-indent: -0.25in;">
</span><span style="text-indent: -0.25in;">President Trump’s plans to dismantle the Dodd
Frank Wall Street Reform Act: if this
happens lenders will have more freedom to originate loans outside of
traditional qualified mortgages, extending credit to a more diverse pool of likely home buyers.</span></li>
<li style="text-align: left;">·<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal; text-indent: -0.25in;"> </span><span style="text-indent: -0.25in;">The rise in United States citizenship: once immigrants become citizens, home ownership
rates rise to approximately 69%.</span></li>
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</span><span style="text-indent: -0.25in;">The first time home buyers entering the
market: as many Millennial buyers are seeking out homes to purchase.</span></li>
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Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-2697509089160158032017-03-31T13:03:00.000-04:002017-04-03T09:40:14.971-04:00Top Three Bankruptcy Myths Debunked<div style="text-align: center;">
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Top Three Bankruptcy Myths Debunked</span></div>
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<b id="docs-internal-guid-011a1720-254f-2e1c-96d4-858825f4ebbe" style="font-weight: normal;"><br /></b></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">If you are considering filing bankruptcy, there are many fears and much misinformation that can cause great concern. We hope to debunk some of these myths so you can begin the process of getting out from underneath your debt and getting the fresh start you yearn for.</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Myth #1 - With a Bankruptcy on my credit report, I will never be extended credit again</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">While a bankruptcy can stay on your credit report for 7-10 years, once filed, most people will see their credit scores begin to improve as old debts are removed. By the time you consider bankruptcy, typically you have missed payments and your credit score has already been negatively affected. Bankruptcy can help to rebuild your credit after you file. In fact, many of our clients receive credit card and car loan offers even before their bankruptcy has been successfully discharged. Acquiring a secured credit card helps to establish new credit as well. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Myth #2 - I am going to lose all my possessions</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">This could not be further than the truth. Depending on the chapter of bankruptcy filed, there are exemptions built into the law. These exemptions have been created to protect many of your assets. Depending where you live and exactly what you own, many of these possessions (such as your home, vehicle and household items) can be protected in your case.</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Myth #3 - Only deadbeats file for bankruptcy</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">So many of us don’t have the money in our savings to account for any unexpected change in our lives. Doctors, police officers, pastors and even celebrities have all filed for bankruptcy protection. An accident, sickness, family issue or divorce can send our finances into a downward spiral. People struggle to pay their bills but sometimes the incident proves to be too much to recover from financially. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">It is important to find a competent attorney who can help you to decide if bankruptcy is the right choice for you. You want to find an attorney who specializes in Chapter 7 as well as Chapter 13 cases since not one solution fits all situations. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 11pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Attorney John Segaul, has been practicing bankruptcy law for over 25 years. Sitting down to discuss your financial situation as well as your goals with him is the first step in finding the peace of mind that can escape you when the burden of financial debt is weighing you down. Call for your free consultation today.</span><br />
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.3333px; vertical-align: baseline; white-space: pre-wrap;">Segaul Law Firm</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.3333px; vertical-align: baseline; white-space: pre-wrap;">300 S Pine Island Road, Suite 304</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.3333px; vertical-align: baseline; white-space: pre-wrap;">Plantation, FL 33324</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.3333px; vertical-align: baseline; white-space: pre-wrap;">954-424-3600</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.3333px; vertical-align: baseline; white-space: pre-wrap;">www.segaul.com</span></div>
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Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-75495422333987140172016-10-04T12:24:00.000-04:002016-10-04T12:24:07.598-04:00Zombie Foreclosures<div style="text-align: center;">
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<b><span style="font-size: large;">ZOMBIE FORECLOSURES</span></b></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">While South Florida has seen a significant drop in Zombie Foreclosures it is still a SPOOKY phenomenon that homeowners facing foreclosure should be aware of.</span></div>
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<b id="docs-internal-guid-8b1f792a-9078-743e-59a4-209f4c2fdfb9" style="font-weight: normal;"><br /></b></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A Zombie Foreclosure can occur if a homeowner abandons their home once the foreclosure process has started. The homeowner moves away thinking the house will be lost to the bank. The sale is cancelled (for one of many reasons) and title is never transferred to a new owner. The title remains in the homeowners name and costs can begin to accrue because there is still the obligation to pay for HOA dues and assessments, property taxes as well as maintenance by the owner of the property. </span><span style="font-family: arial; font-size: 14.6667px; white-space: pre-wrap;">Bills or lawsuits may become a problem months or even years later for these financial obligations. </span><br />
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><br /></span>
<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">There are two options that may help avoid the horror of a Zombie Foreclosure. One is to stay in the home throughout the entire foreclosure process - not moving out until the official foreclosure sale has occurred. Should one no longer wish to stay in the home, a short sale is another option. This strategy will allow the sale to go through, even if more is owed than the house is worth. Combined with a bankruptcy, a short sale is an excellent way allow to help rebuild your credit quicker than allowing the home to foreclose.</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">When faced with foreclosure, there are many legal options that may help you meet your objective. Please contact our office if you need more information.</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.333333333333332px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">300 S Pine Island Road, Suite 304</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.333333333333332px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Plantation, FL 33324</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 13.333333333333332px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">954-424-3600</span></div>
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Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-67014202353484744632016-02-09T11:54:00.002-05:002016-02-09T11:56:21.882-05:00HAMP Misconduct<div style="text-align: center;">
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<b><span style="font-size: large;">HAMP MISCONDUCT</span></b></div>
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Over the past five years, millions of mortgage loans have
been modified by the big banks and mortgage servicers. Recent reports have been
in the media that a staggering amount of homeowners have re-defaulted on their
loans. It turns out that the re-defaults
may have been caused by the loan servicers and not the borrowers.</div>
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The United States Treasury has done compliance testing at
the major HAMP (Home Affordability Modification Program) loan servicers. These servicers include Bank of America,
CitiMortgage, JP Morgan Chase, Nationstar, Ocwen, Select Portfolio Servicing
and Wells Fargo. This probe was conducted by sampling 100 borrowers at each
mortgage servicer who had re-defaulted on their loans by December 2015.<o:p></o:p></div>
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What the examination found was that 6 out of 7 homeowners
had been wrongfully terminated by these servicers. Problems that the Special Inspector General
Troubled Asset Relief Program (SIGTARP) identified were as follows:
miscalculating the amount of missed payments by a homeowner, misapplication of
payments and mishandling of rolling delinquencies. Select Portfolio Servicing was the only large
provider who had not made these errors.
In addition, these companies continued to make the termination blunders
even after the Treasury reported failures to them regarding their systems.<o:p></o:p></div>
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<a href="https://www.blogger.com/null" name="h.gjdgxs"></a>A report given to Congress by the
SIGTARP warned that findings of unfounded terminations from the HAMP program in
the sample that was tested is indicative of extensive misconduct on the part of
the servicers and should be addressed by further oversight by the
Treasury. <o:p></o:p></div>
Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-85637015053981333922015-11-12T20:51:00.003-05:002015-11-12T20:51:48.447-05:00Telephone Scam Targeting Bankruptcy Filers<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: Helvetica; font-size: large;"><b>TELEPHONE SCAM TARGETING BANKRUPTCY FILERS</b></span></div>
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<span style="font-family: Helvetica;">Throughout parts of the United States, consumers
are falling prey to a sophisticated phone scam which targets people who have
filed for bankruptcy. This information, according to the National
Association of Consumer Bankruptcy Attorneys (NACBA), has prompted attorneys
and public officials to make potential targets aware of this telephone scam. <span style="mso-spacerun: yes;"> </span>The scam has been reported in New Hampshire
and Virginia and it is likely that this fraudulent activity will begin to
spread to other states.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Helvetica;">Con artists use software that can deceive a
caller ID system. The intended victim thinks the call is coming from the phone
line of their attorney.<span style="mso-spacerun: yes;"> </span>In some instances,
personal information from public filings has being used to trick the consumer. These
calls take place after business hours so clients have more difficulty
contacting their attorney.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Helvetica;">This scam solicits a wire transfer to satisfy a
debt that is said to be outside of the bankruptcy proceeding.<span style="mso-spacerun: yes;"> </span>Consumers have been threatened with arrest if
they fail to wire the money immediately. <o:p></o:p></span></div>
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<br /></div>
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<div class="MsoNormal">
<span style="font-family: Helvetica;">Should you receive any call that you think does
not sound legitimate, hang up and contact us immediately.<span style="mso-spacerun: yes;"> </span>Also, NEVER give personal or financial
account information to any un-verified source.<o:p></o:p></span></div>
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<span style="font-family: Helvetica;"><br /></span></div>
<div class="MsoNormal" style="text-align: center;">
<span style="font-family: Helvetica;">Segaul Law Firm</span></div>
<div class="MsoNormal" style="text-align: center;">
<span style="font-family: Helvetica;">300 S Pine Island Road, Suite 304</span></div>
<div class="MsoNormal" style="text-align: center;">
<span style="font-family: Helvetica;">Plantation, FL 33324</span></div>
<div class="MsoNormal" style="text-align: center;">
<span style="font-family: Helvetica;">954-424-3600</span></div>
<div class="MsoNormal" style="text-align: center;">
<span style="font-family: Helvetica;"><a href="http://www.segaul.com/">www.segaul.com</a></span></div>
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<br />Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0tag:blogger.com,1999:blog-3870312291902359688.post-11520220514413818912015-10-02T14:38:00.000-04:002015-10-07T14:16:22.424-04:00Repairing Your Own Credit After Bankruptcy<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBQXb3szQauH55ns11huFkmXkyjEp0wcjP8vzAuBNSu-UZiXt2S47IPrgrf3PYf5M9Z_5e0JoQTkHImVe6hsJzxnYaCyukJHdaOvXjmuDQ73eMo3Mcq2vYwDV1-_s8aiskV0Amm_aXZFuR/s1600/images.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="135" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBQXb3szQauH55ns11huFkmXkyjEp0wcjP8vzAuBNSu-UZiXt2S47IPrgrf3PYf5M9Z_5e0JoQTkHImVe6hsJzxnYaCyukJHdaOvXjmuDQ73eMo3Mcq2vYwDV1-_s8aiskV0Amm_aXZFuR/s320/images.jpg" width="320" /></a></div>
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<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 16.0pt;">REPAIRING YOUR OWN CREDIT <o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 16.0pt;">AFTER BANKRUPTCY<o:p></o:p></span></b></div>
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After bankruptcy, any debt that was discharged should be
listed on your credit report with a zero balance and a note that the “debt was
included in bankruptcy.” Very often that
is not the case resulting in a credit score which is lower than it should be.</div>
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This fix is relatively simple and can be done by yourself
for minimal or no cost at all.</div>
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The three national credit agencies are required to provide
you with a free credit report once every 12 months. You can go to <a href="http://www.annualcreditreport.com/">www.annualcreditreport.com</a> or call 1-877-322-8228, to get these <a href="https://www.blogger.com/null" name="_GoBack"></a>reports. If you see this
mistake on your credit report the first step is to alert the credit reporting
company either online or by mail, of any item of information that you believe is incorrect.
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Each credit reporting company website has a link with
instructions of how to dispute an inaccurate item online. Typically, all you need is your case number,
bankruptcy chapter and filing date. This
information is located on the Notice of Case Filing you received from the
Court.</div>
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If you are contacting them by mail, include copies of your
bankruptcy schedules and discharge notice to support your claim. We suggest you include a copy of your credit
report; highlight or circle each item you are questioning. Explain why you are disputing the information
and ask that it be removed or corrected.
Keep copies of all the correspondence you send the credit reporting
agency. Also be sure to send everything
certified mail with a return receipt so you can be sure your information was
received. Be sure to keep a file with copies of
everything you send to the credit reporting company.</div>
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The credit reporting agency has 30 days to investigate your
dispute(s). Once the agency has finished
their investigation, they will give you the results in writing. </div>
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If a creditor disagrees with any objection and states that
they have a valid debt, it is very likely they are violating the bankruptcy
discharge and may be subject to court sanctions. Please contact us IMMEDIATELY if that is the
case.</div>
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<div align="center" class="MsoNormal" style="text-align: center;">
Segaul Law Firm</div>
<div align="center" class="MsoNormal" style="text-align: center;">
300 South Pine Island
Road, Suite 304</div>
<div align="center" class="MsoNormal" style="text-align: center;">
Plantation, FL 33324</div>
<div align="center" class="MsoNormal" style="text-align: center;">
<a href="http://www.segaul.com/">www.segaul.com</a></div>
<div align="center" class="MsoNormal" style="text-align: center;">
954-424-3600</div>
<br />Segaul Law Firmhttp://www.blogger.com/profile/04483167977438243482noreply@blogger.com0