Update On Implementing a Credit Freeze
Why is this Important? Protection of our clients’ credit is something we have written about in the past, particularly in the context of the Equifax Data Breach. We have also recommended that our clients permanently opt out of prescreened credit and insurance offers as a way to reduce exposure to identity theft. We believe that […]November 9, 2018
8 Steps To Take If Your Identity Is Stolen
Identity theft is a very stressful, troubling event in anyone’s life. The ambiguity of the crime and the number of unknowns involved can make it seem like an insurmountable feat to deal with. However, there are several steps that can and should be taken in the event that your identity is stolen. Using these measures […]May 31, 2018
How to Permanently Opt Out of Prescreened Credit and Insurance Offers
Here at Morris Law Center, we always keep an eye on the subject of credit scores. In fact, we are often referred credit repair clients by realtors who have a potential buyer with a credit score issue. Regarding this subject, we recently posted a blog about the Equifax Data Breach where we recommended that everyone freeze their […]October 19, 2017
What You Need To Know About The Equifax Data Breach
Each year in the US, approximately 7% of households become victims of identity theft. There are three main credit reporting agencies in the US, which are Equifax, Experian, and Transunion. As you may have heard, Equifax recently discovered a security breach that affects over one hundred million consumers. Was your information part of the breach? […]October 12, 2017
Can tips be garnished?
By Timothy Wiseman When a Court issues a judgment for money, there are a number of ways that the judgment creditor can try to enforce the judgment if the judgment is not paid voluntarily. One common method of enforcing a judgment against an individual is to have the pay of the judgment debtor garnished. In […]October 10, 2017
Can a partial payment force a creditor to cease collection efforts or halt a lawsuit to collect a debt?
Credit can offer tremendous flexibility for businesses or individuals in managing their finances. Debts can also be incurred in other ways, such as those resulting from a judgment in a lawsuit. Unfortunately, sometimes debts cannot be paid promptly and collection efforts will begin. The debtor, or the person who owes the debt, may wish to […]August 9, 2016
Anca B. Testimonial on Credit Repair
Anca contacted Sarah Morris because she was having difficulty qualifying for a mortgage due to her credit. Sarah was able to contest and remove many items from her credit report as well as negotiate a much lower amount for the items that were still outstanding. Once this was done, Anca was able to qualify for […]March 23, 2016
Here’s what you need to know about HARP
HARP or Home Affordable Refinance ProgramHome Affordable Refinance Program—was created by the Federal Housing Finance Agency specifically to help homeowners who are current on their mortgage payments, but have little to no equity in their homes, refinance their mortgage – that is, they owe as much or more than their homes are currently worth – are […]March 23, 2016