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If considering bankruptcy, do not make this one big mistake

At any given moment, many people are considering bankruptcy. They do so for a variety of reasons, such as job loss, medical debt and crippling credit card bills. However, some feel tempted to dip into one last account, their retirement account, before they meet with an attorney.

When do debt collection calls become harassment?

Getting constant calls from debt collectors in Louisiana can really take its toll. You may even receive them at work or they may call your relatives, trying to get information about you. It can be a very frustrating situation. Even if you know you owe the debt, you still do not have to put up with harassment. Luckily, the federal government recognizes that debt collection tactics can border on harassment. There are specific guidelines in place to ensure this does not happen.

The dangers of payday loans

If you have ever found yourself in a position where you need more cash on hand, you might have felt tempted to utilize a payday loan. Payday loans are small cash loans you can secure ahead of your paycheck, as long as you agree to repay the loan once you receive your next paycheck.

How to stop creditor harassment

Debt collectors may not always employ the most honest of practices. In fact, some of the practices got so bad that federal government enacted the Fair Debt Collections Practices Act. The Federal Trade Commission has information about what constitutes abuse and how creditors are allowed to contact people in debt. 

What debt collection practices are illegal?

Having a large amount of debt is undeniably overwhelming, and if you are among the many Americans who are finding themselves in this position, know that you are not alone. Medical bills often have the capacity to catapult even the most financially responsible people into uncomfortable situations, and the discomfort can be amplified by debt collectors who rely on aggressive methods to try and collect on your debts.

Should I do debt consolidation or file for bankruptcy?

If you are in over your head financially and struggling to make ends meet in Louisiana, you may be tired of wondering if you are going to lose your house and cars. You may find yourself wondering if debt relief/consolidation is a better option for you than bankruptcy. Although both options can improve your situation, you should take a hard look at your situation to determine the answer. 

McBride Law Firm

McBride Law Firm
301 Jackson Street Suite 101
Alexandria, LA 71301

Phone: 318-625-0471
Fax: 318-445-8066
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