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7 Things to Know When Choosing a Credit Card

By Heather BenvenisteCC Attorney Blog Credit Card Law

Applying for credit is a significant financial decision. Whether it is your first credit card or your fourth, you should be fully aware of what you are getting yourself into before you sign the terms of agreement. Misinformed individuals are those most likely to be caught off-guard by fees that ultimately put them in debt.…

October 4, 2017
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4 Ways Loan Modifications Can Stop an Account Default

By Heather BenvenisteCC Attorney Blog Credit Card Law

Contrary to popular belief, creditors do not randomly sue debtors. In all actuality, they provide them with a 180-day period to take some action before charging off the account. During that time, borrowers can choose to make a payment or seek the assistance of an Illinois debt settlement attorney. If one decides to do the…

September 29, 2017
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3 Ways Your Credit Score Affects Your Life

By Heather BenvenisteCC Attorney Blog Credit Card Law

Credit scores for a long while went ignored by many. Individuals would blindly open credit accounts and default on payments with little to no knowledge on how it was hurting their score. Many people were also hesitant to check their scores with the fear of adding an inquiry to their report, thus lowering their score.…

September 20, 2017
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What Happens if I Can’t Pay My Payday Loan?

By Heather BenvenisteCC Attorney Blog Credit Card Law

Payday loans are a unique type of short-term, high-interest rate loan that helps those in need of immediate cash between paychecks. This service is most helpful as the Federal Reserve reports that roughly half of all Americans do not have savings set aside for emergency financial situations. There is also a large number of Americans…

September 12, 2017
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Credit Card Write-Off vs. Charge-Off in Illinois

By Heather BenvenisteCC Attorney Blog Credit Card Law

There is plenty of financial jargon that gets tossed around in reference to credit cards and loans. Terms like tort and insolvency can easily confuse the average person and inhibit his ability to comprehend legal documents. Many people choose to simply ignore or read over terms they cannot understand, but that is not necessarily the…

September 4, 2017
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What to do With a Summons for Credit Card Debt

By Heather BenvenisteCC Attorney Blog Credit Card Law

Getting sued is one of the most troubling situations anyone can go through. It is an experience like no other and can inflict great fear. “I’ve never been sued before, what do I do?” is the response of many people when they discover that their creditor is suing them. It is easy to become lost…

August 27, 2017
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What Could Happen if I Get Sued by a Creditor?

By Heather BenvenisteCC Attorney Blog Credit Card Law

Receiving the news of a creditor lawsuit can be distressing. You understood that you were in debt, but never thought it would come to this. As random as it may seem, legal action is usually the last resort for debt collection companies. It usually comes after months of missed payments and multiple unsuccessful attempts to…

August 19, 2017
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What Can a Creditor Take to Satisfy a Debt?

By Heather BenvenisteCC Attorney Blog Credit Card Law

Creditors can take legal action against you if you default on debt payments. Before the judge makes a ruling, the courts must first issue a court summons. Failure to respond to the summons almost guarantees a judgment in favor of the creditor. With a legal ruling in hand, creditors have the freedom to freeze your…

August 11, 2017
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Top 4 Ways Debt Collectors Find You

By Heather BenvenisteCC Attorney Blog Credit Card Law

Are you receiving calls from an unfamiliar collection company about credit card debt? If so, your debt was likely sold to a third-party collection agency or debt buyer. This occurs when an account becomes 180 days past due and credit card companies charge-off your account. They then reclassify it from a performing to a non-performing…

August 4, 2017
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Top 3 Things to Know if Your Debt is in Collections

By Heather BenvenisteCC Attorney Blog Credit Card Law

The initial debt collection calls you receive will come directly from the bank or credit card company to which you owe the debt. The credit card company will likely charge-off your debts after 180 days if you fail to respond. Many people often mistakenly confuse a “charge-off” as a forgiven debt when in fact the…

July 27, 2017
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