| Volume 1 Number 7 |
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The People’s Lawyer’s Tip of the Day
If you have reason to believe your personal information has been compromised and you may become a victim of identity theft, put in a fraud alert with the credit bureau. Federal law requires that the credit bureau keep this alert on your file for 9o days. Click here to find out how to learn more about preventing identity theft. Click here for more.
Strategies for Rebuilding Your Credit
Credit problems can happen to anyone. Unexpected bills, divorce, or even a job change can set you back financially and hurt your credit rating in the process. This brochure will give you specific strategies for rebuilding your credit -- no matter what kinds of credit troubles you've had in the past. The key to re-establishing credit is to build new positive credit references to outweigh the old. Eventually, the bad information will become less important to lenders who will see that you're now on top of your finances. Click here for more.
Proposed Changes Would Alter the Web
Congress wants to change the Internet. This is news to most people because the major news media have not actively pursued the story. Yet both the House and Senate commerce committees are promoting new rules governing the manner by which most Americans receive the Web. Congressional passage of new rules is widely anticipated, as is President Bush's signature. Once this happens, the Internet will change before your eyes. Click here for more.
Mortgage Stress Seen for '06
Mortgage delinquencies among homeowners with high-cost loans will rise by 10 to 15 percent in 2006, as borrowers struggle with higher interest rates, high debt levels and higher energy costs amid flattening home prices, a new report from investment analyst Fitch Ratings predicts. Consequently, overall mortgage delinquencies are likely to rise next year, as well, according to the report's authors. Click here for more.
41 Credit Advisers 'Poisoned' Industry
Six months after the federal government began requiring consumers to get credit counseling before filing for bankruptcy, IRS audits revealed that the $1 billion nonprofit credit counseling industry is riddled with companies profiteering on those who can least afford it. Click here for more.
Protecting Senior Texans
May is Older Americans Month, an opportunity to recognize senior Texans as well as the tremendous work that is done by healthcare workers, nursing home caregivers, law enforcement and other dedicated professionals across the state on their behalf. One of the top priorities of the Attorney General's office is keeping seniors safe. Click here for more.
Your Money
What term of vehicle loan should I choose? Click here for more.
For the Lawyers
Debtor may pursue claim under FMLA even if it was not listed as an asset in bankruptcy. The 8th Circuit has ruled that a debtor is not barred from pursuing a Family Leave Act claim by his failure to list the claim as a potential asset in his bankruptcy filing. Click here for more.