Statute of limitations

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Bill collectors hounding you? Considering repaying or negotiating an old debt? The statute of limitations on bills, often referred to as tolling of time is a powerful tool for consumers. The SOL can thwart off lawsuits and collectors when attempting to collect or sue on dusty old debts. If a…

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Credit Scores

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Ever wonder how a lender decides whether to grant you  credit? For years,  creditors have been using  credit scoring systems to determine if you’d be a good risk for  credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone…

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