Category Archives: Bankruptcy
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The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 instituted a credit counseling requirement for debtors filing for bankruptcy protection. Credit counseling agencies sprang up quickly on the heels of this law to provide a service that was suddenly in hot demand. Many of these agencies jumped on the recession bandwagon to offer debt… Read More »
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The Public Access to Court Electronic Records (PACER) system is the electronic filing system of the U.S. federal courts, including the U.S. bankruptcy courts. The PACER server is located in San Antonio, Texas and contains more than 500 million documents for federal courts nationwide. As with the paper documents filed in the past, the information… Read More »
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How does it affect me? Collection activity by “third party” debt collection agencies hired to collect a debt can be very aggressive and threatening. When debt collectors or their attorneys come calling, most of us panic a bit at first. The Fair Debt Collection Practices Act prohibits the very worst behavior by third party debt… Read More »