Ads abound on television and the Internet offering to provide consumers with their free credit score. These ads lead consumers to believe that the failure to monitor their credit score is negligent, and could result in the denial of credit in the...
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The Southern District of Georgia, which includes Richmond, Columbia and Burke County among others, usually ranks near the top of the other federal districts in the percentage of Chapter 13 cases which are filed. There are certain circumstances in...
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While the primary goal of filing bankruptcy is to provide relief from debts, an equally important objective is the protection of all of a debtor’s assets. The Bankruptcy Code does allow for exemptions, which enable an honest debtor to protect...
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At the beginning of the most recent century, both lenders and borrowers had developed many bad habits from a toxic combination of unrealistic optimism and immediate gratification. These bad habits led to a dramatic increase in bankruptcy for both...
Read moreConsumers are routinely recommended to check their credit, and not just to evaluate their scores. The information that is listed on your credit report will be the first resource used by a potential lender in evaluating a consumer’s credit. In...
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As the holidays approach, household credit card use will increase dramatically as consumers rely on credit for retail purchases, goods, and travel. The good tidings of December do not necessarily have to evolve into the bad tidings of January and...
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WRDW News 12/WAGT-NBC Augusta recently sat down with our attorney Zane Leiden to get his expert opinion on the growing epidemic of credit card fraud. With the holidays approaching, the amount of online shopping activity is increasing — and...
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According to a New York Times article dated October 20, 2017, four top American banks – Bank of America, Wells Fargo, Chase and Citigroup – made more than $4 billion in income from their credit card divisions between July and September 2017...
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Previous articles from Leiden & Leiden have addressed the importance of accurate disclosure of financial information in the process of filing for bankruptcy. This is necessary because a fundamental component of the bankruptcy process is a...
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A fundamental component of any bankruptcy consultation is to review the state and federal income tax returns of a prospective client. Bankruptcy law requires that a debtor must be up to date in their income tax filings. Additionally, these...
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When a consumer files a bankruptcy case, all of their debts must be identified and listed in their bankruptcy petition. The Bankruptcy Code requires that all of your creditors must be notified of the bankruptcy filing. However, just because a...
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The decision to file a bankruptcy case can be very difficult. Unfortunately, circumstances beyond a consumer’s control may not leave any other options. But while a prospective bankruptcy client may only have one immediate concern – such as a wage...
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