Dynamic Guidance And Advocacy Throughout Northern Virginia
Unfortunately, it means we need to be ever more vigilant in monitoring for fraudulent use of our accounts and of our identities. On September 7, 2017, giant Equifax, one of three U.S. consumer credit bureaus, announced that its computer system had been hacked,...
The National Consumer Assistance Plan will improve the quality of the data used by credit bureaus to calculate credit scores of consumers. Beginning on July 2, 2017, the three main credit bureaus - TransUnion, Experian and Equifax - tightened the standards applied to...
Divorce is one of the leading causes of bankruptcy, but there are ways to avoid the financial turmoil.Divorce and bankruptcy, as Divorce Magazine notes, often seem to go hand in hand. Financial problems are one of the leading causes of divorce and divorce itself can...
Federal and state laws provide legal remedies for fraudulent activity based on your wrongfully used information. The thought of having your identity stolen can send a shiver down your spine. We all have heard horror stories of people whose lives were hijacked by...
Federal law heavily regulates the use of background checks in employment as well as in credit or insurance applications. It is normally not unusual or illegal for an employer to run a background check on a job applicant or employee. But there are federal protections...
In any serious credit card debt dispute, it is wise to talk to an attorney before taking action.To get through the recent difficulties in our economy, many people had to turn to credit cards to meet their needs. Of course, even in good times, a person or family can...
Federal law provides specific legal rights and remedies to student-loan debtors facing debt collectors that threaten garnishment.It is a tough time for people with student-loan debt. Many students need to take out loans to pay for soaring college or graduate school...
The Fair Credit Reporting Act gives job applicants and employees specific legal rights and remedies vis-à-vis employee use of consumer reports. Understandably, sometimes employers want to do background checks on their employees or on job applicants, including getting...
The Fair Debt Collection Practices Act may provide legal remedies to student-loan debtors in certain circumstances. Some in the media speculate whether the extraordinary amount of student-loan debt in this country could lead to another economic collapse. With about...
Consumers have rights and remedies when credit reports are based on erroneous information. When a bank, credit-card company or other lender denies your application for a loan or line of credit and blames the denial on your low credit score, you may feel frustrated and...
