Question: Can I be charged with check fraud?   A collection agency keeps harassing me on a debt that I started paying them. They keep changing the payoff amount and they won’t send me paper work in writing for my records so I quit paying them until I get proof that they are who they say… Read More


Question: If I have a judgment placed against me can they seize my personal bank accounts? Answer:  Yes, subject to applicable exemptions, which include the $4,000 “wildcard” exemption, which you must claim, and exemptions based on the source of the funds, such as social security and disability payments, which a bank is obligated to identify… Read More


Far too often, people don’t realize that they have a credit problem until something goes wrong. They may get the first inkling of trouble when they are denied a loan for an important purchase or start receiving collection notices for unfamiliar debts. By then, unfortunately, the damage has already been done – and it can… Read More