Roths Child Law

JANUARY 31, 2023

If you are seeking to discharge unsecured debts like medical debts, credit card debts and unsecured loans, then you need to file for Chapter 7 bankruptcy. However, if you are dealing with secured debts like a mortgage or a car loan, then you need to file Chapter for 13 bankruptcy. Bankruptcy can give you a fresh start.

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Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Unsecured Debt 52

Better Credit Blog

DECEMBER 31, 2020

To keep the negative effects of hard inquiries at bay, assess your approval odds before applying for a new card or loan. Repossessions. Stay up-to-date on credit card/loan payments. You can save some time and a few points by only applying for offers you’re likely to be eligible for. Late payment history. Bankruptcy.

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Banks Retail Lender Repossession 89

Sawin & Shea

MAY 2, 2024

Enter Sawin & Shea, LLC – a firm with over 50 years of combined experience in bankruptcy services, dedicated to providing compassionate and non-judgmental representation to individuals and families in need. Student loans are also difficult but not impossible to discharge in bankruptcy.

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Bankruptcy Chapter 7 bankruptcy Chapter 13 bankruptcy Unsecured Debt 52

Better Credit Blog

AUGUST 4, 2020

Home loans. Auto loans. Personal loans. Student loan refinancing. Repossessions. If your credit score is holding you back from being able to secure a home or auto loan or a credit card, a credit repair company could be very beneficial. Investment accounts. Credit cards. Wealth advising. Charge offs.

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Banks Lender Loans Student Loans 52

Sawin & Shea

AUGUST 30, 2023

Car loans (unless you allow your car to be repossessed, in which case you will not owe any past payments). Most federal student loans. Civil court judgments (not counting anything that was based on fraud). Personal loans. Payday” type loans. Which Debts Cannot be Discharged in Bankruptcy? Alimony payments.

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Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Unsecured Debt 52

Better Credit Blog

FEBRUARY 15, 2021

Education loans, tuition, fines and fees. Mortgages and loans. Repossessions. Though you may be unfamiliar with Fairway, the agency collects on a wide range of consumer debts, including the following: Health insurance billing and follow-up. Self-pay collections. Parking tickets. Government fines and fees. Utility bills.

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Collections Collection Agencies Collections Agency Debt collector 74

Better Credit Blog

DECEMBER 28, 2020

It’s likely on your report because you applied for a car loan through Wells Fargo. Auto loan applications can lead to hard inquiries on your credit report, which may impact your score slightly. When you apply for an auto loan, even if you end up choosing a different lender’s offer, your credit report will undergo a hard inquiry.

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Loans Repossession Lender Banks 52

Better Credit Blog

OCTOBER 21, 2020

A soft pull might be done when you consent to a background check or get quotes for loans. When you actually apply for say, a car loan, mortgage, or store credit card, it results in a hard pull or inquiry. Repossession. Soft pulls don’t affect your credit score, while hard inquiries do. Charge-offs. Collections. Foreclosures.

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Repossession Loans Foreclosure Bankruptcy 52

Sawin & Shea

JANUARY 25, 2022

For example, when you take out a home loan, you will be required to sign a mortgage which grants the lender a lien, or security interest against your home should you fall behind on payments. Common examples of secured debts include: Home loans Car loans Cash loans secured by other personal property Judicial Liens Tax Liens.

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Unsecured Debt Collateral Secured debt Bankruptcy 52

Better Credit Blog

AUGUST 21, 2020

If you have a 560 credit score, your approval odds for loans are low, and your credit rating is pretty poor. Can You Get a Loan Approval with a 560 Credit Score? Repossessions. The issues above can hinder your access to both revolving lines of credit and installment loans. Can You Get a Loan with a 560 Credit Score?

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Credit Unions Credit Unions Personal loans Loans 52

Better Credit Blog

DECEMBER 23, 2020

Applying for loans or credit cards can lead to a hard inquiry on your credit report. If you go online to check your credit score, submit to a background check, or get pre-approved for a credit card or loan, your credit report undergoes a soft credit pull. Repossession. Hard Inquiries. Hire a Credit Repair Company. Foreclosures.

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Lender Loans Repossession Foreclosure 52

Better Credit Blog

DECEMBER 2, 2020

Soft inquiries occur when you view your score, shop for quotes, or are pre-approved for a loan or credit card. Hard inquiries happen once you apply for a credit card or loan, and sometimes when you submit a rental application or submit to a background check for a job. Repossessions. Get a Free Copy of Your Credit Report.

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Lender Repossession Loans Foreclosure 52

Better Credit Blog

DECEMBER 2, 2020

Soft inquiries occur when you view your score, shop for quotes, or are pre-approved for a loan or credit card. Hard inquiries happen once you apply for a credit card or loan, and sometimes when you submit a rental application or submit to a background check for a job. Repossessions. Get a Free Copy of Your Credit Report.

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Lender Repossession Loans Foreclosure 52

Better Credit Blog

JANUARY 21, 2021

It offers a range of products, like MMAs, IRAs, CDs, loans, and credit cards. Hard inquiries also happen when you apply for a loan or line of credit. Pre-qualify for a loan offer. Several inquiries can be a red flag to potential lenders, so you should check into the approval requirements before applying for some cards and loans.

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Retail Banks Loans Repossession 52

Better Credit Blog

JANUARY 29, 2021

If you’ve come across a new entry on your credit report from Microbilt, it’s probably the result of a recent application for a loan or credit card. Whenever you apply for a mortgage, loan, credit card, or line of credit, your lender could use a business like Microbilt to access your credit reports. Repossession. Charge offs.

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Lender Loans Repossession Foreclosure 52

Better Credit Blog

NOVEMBER 19, 2020

A soft pull happens when you go online to check your score, compare quotes for a loan, or get pre-approved for offers. It occurs when you complete the application process for a loan or a credit card, allowing the lender to see your actual credit report. Repossession. A hard pull is more invasive. Pay for Credit Repair Services.

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Lender Loans Repossession Banks 52

Better Credit Blog

AUGUST 7, 2020

Whether you’re in the market for a mortgage, auto loan, or credit card, your application can result in a hard inquiry on your credit report, which can damage your credit score for years. Synchrony offers several financial products, from CDs, MMAs, and IRAs to credit cards and loans through partnerships with other lenders. Charge offs.

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Retail Lender Debt collector Banks 52

Better Credit Blog

NOVEMBER 30, 2020

Credit card and loan applications aren’t the only things that require a hard inquiry. A soft inquiry could also happen when you get quotes for a loan or credit card. A hard inquiry might occur when you apply for a: Loan. Submit all your applications for a specific type of loan within 14 days. Repossession.

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Loans Repossession Foreclosure Bankruptcy 52

Credit Corp

FEBRUARY 9, 2024

Foreclosure means that your mortgage lender can legally repossess your house due to nonpayment. Some states may also allow you to reinstate the loan up until a specific deadline. If the property sells for less than the balance owed on the original loan, a lender could file a deficiency judgment against you in court.

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Foreclosure Lender Bankruptcy Loans 52

Better Credit Blog

JANUARY 6, 2021

As such, this type of inquiry happens when you apply for credit cards, as well as loans and lines of credit. It differs from a soft inquiry, which occurs when you check your score, pre-qualify for a loan, or compare quotes. Repossessions. Your score might also undergo an inquiry when you apply for a new job or rental property.

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Lender Loans Repossession Foreclosure 52

Better Credit Blog

DECEMBER 31, 2020

This type of inquiry gets added to your report whenever you apply for a credit card, line of credit, or loan. Hard inquiries are a necessary step for securing credit cards and loans. The advice above only applies to hard inquiries, not soft credit checks, which occur when you check your score or pre-qualify for a loan or card.

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Lender Loans Repossession Foreclosure 52

Better Credit Blog

DECEMBER 28, 2020

Along with offering checking, savings, and investing accounts, it provides several loans and credit cards. When you apply for a mortgage, loan, or credit card, you’ll have to consent to a hard inquiry. If you never applied for a Wells Fargo card or loan, here are two strategies to help you get the hard inquiry deleted from your report.

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Loans Repossession Lender Banks 52

Better Credit Blog

NOVEMBER 25, 2020

Repossession. When you use a free credit monitoring service to check your score or get a few quotes for a mortgage or auto loan, your credit report undergoes a soft inquiry. A hard inquiry, on the other hand, happens when you actually apply for a loan or a credit card. Charge offs. Debt collectors. Foreclosure. Payment history.

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Retail Repossession Loans Foreclosure 52

Better Credit Blog

JANUARY 29, 2021

Soft inquiries happen when you pre-qualify for a credit card or loan, compare quotes, check your score, or get vetted for a job or apartment application. A hard inquiry can be prompted by an application for a credit card or loan, or in some cases a rental application. Repossession. HARD CREDIT CHECK. Charge-offs. Foreclosure.

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Repossession Loans Foreclosure Financial Institution 52

Better Credit Blog

DECEMBER 28, 2020

CitiBank is a sizable national bank that offers a full array of banking services, loans, credit cards, and investment services. Try to get pre-approved for a loan or a credit card. They’re used any time you actually apply for a new loan, credit card, or line of credit. Repossessions. That’s the case with Citibank, too.

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Better Credit Blog

NOVEMBER 30, 2020

Once you move on from comparing offers to actually applying for a card or loan, your credit report (s) will undergo a hard inquiry. To reduce the impact on your score, you should limit your credit card and loan applications. Repossessions. A soft inquiry doesn’t necessarily go on your report or lower your credit score.

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Lender Repossession Loans Banks 52

Debt Free Colorado

MARCH 3, 2023

A court judgment that states that a person is not required to pay back some debts is given to those who abide by the bankruptcy laws and are granted a discharge. When the lead debtor on a co-signed loan is discharged in bankruptcy, the co-signers may still be required to pay back all or part of the loan.

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Better Credit Blog

JANUARY 5, 2021

Citi also offers personal loans, lines of credit, and mortgages, which can prompt a hard inquiry. If you go on Citibank’s website and compare quotes or get pre-approved for a loan or credit card offer, you don’t have to worry about a hard inquiry. Citicards come in several categories, including: 0% APR. Balance transfers.

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Loans Banks Repossession Lender 52

Better Credit Blog

JANUARY 5, 2021

Citi also offers personal loans, lines of credit, and mortgages which can prompt a hard inquiry. If you go on Citibank’s website and compare quotes or get pre-approved for a loan or credit card offer, you don’t have to worry about a hard inquiry. Citicards come in several categories, including: 0% APR. Balance transfers.

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Loans Banks Repossession Lender 52

Better Credit Blog

DECEMBER 2, 2020

For instance, whenever you check your score with a credit monitoring site or get pre-approved for loan offers, a soft inquiry takes place. To keep the damage to a minimum, limit your applications for the same type of loan to a 14-day period. Additionally, don’t apply for cards or loans you aren’t likely to be approved for.

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Retail Repossession Foreclosure Loans 52

BN Lawyers

MARCH 23, 2020

These parties could foreclose or repossess the property securing the loans. They could lock you out of your location or repossess equipment. A lender who provided a secured loan for your kitchen equipment would have a difficult time profitably foreclosing on those assets. These creditors are not of equal importance.

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Bankruptcy Creditors Lender Lawyers 67

Better Credit Blog

DECEMBER 31, 2020

Project Loan. When you apply for any one of these cards, loans, or credit accounts, you authorize Citibank to run a hard credit check. If you took it a step further and applied for a card or loan from the retailer, the THD/CBNA entry on your report is a hard inquiry. Repossession. Commercial Revolving Charge Card.

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Retail Lender Loans Repossession 52

Better Credit Blog

DECEMBER 18, 2020

A soft inquiry or credit pull occurs when you take a look at your score online using a credit monitoring app , or when prospective lenders check your score to pre-approve you for certain loans or card offers. You might consent to a hard inquiry when you apply for a mortgage, loan, new job, rental home, or in this case, a retail credit card.

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Retail Lender Loans Repossession 52

Better Credit Blog

DECEMBER 8, 2020

When BP SYNCB winds up on your credit report, it’s most likely as a hard inquiry, which occurs when you apply for new credit cards or loans. That means all three of your credit scores could be impacted when you apply for a credit card or loan. Repossessions. Has a new entry from BP SYNCB lowered your credit score? Charge-offs.

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Loans Collection Agencies Collections Agency Banks 52

Collection Industry News

JULY 20, 2020

The Education Department is suspending collections on federal student loans and urging private collection agencies to stop pursuing borrowers. An investigation by ProPublica found that court judgments in debt collection lawsuits were twice as high in black communities compared to mostly white neighborhoods.

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Garnishment Debt collector Collections Accounts Receivables Management 40

Better Credit Blog

JANUARY 29, 2021

Any time you apply for new credit, like a card, loan, or line of credit, the lender might run a hard credit check. Hard inquiries operate completely differently than soft inquiries , which happen when you view your credit score, pre-qualify for a loan/card offer, or go through a background check from an employer or landlord.

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Repossession Banks Loans Foreclosure 52

Better Credit Blog

JANUARY 22, 2021

Your credit report gets hit with a hard inquiry when you apply for a credit card, loan, or a line of credit. Soft inquiries happen when you compare quotes, pre-qualify for loans/cards, or submit to a background check. Repossessions. Ask Lex Law for Help. How Does a DSNB Bloom Hard Inquiry Influence Your Credit? Charge-offs.

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Retail Repossession Lender Banks 52