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The Werner Law Group Blog
Common Credit Reporting Errors
We like to think that something as official and consequential as a credit report is error-free, but unfortunately, credit reporting errors do happen. One study by the Federal Trade Commission found that about five percent of consumers have at least one damaging error...
4 Cases When Courts Protected Debtors’ Rights
Under federal and state law, debt collection agencies are prohibited from using certain abusive and fraudulent tactics to coerce debtors into paying off their debts. If the debtor is able to prove that debt collectors have violated their rights, they may be entitled...
When can a lender repossess my property?
As many of us have come to realize, financial situations change quickly. After buying an item on credit, we may come on hard times and have trouble paying off the loan. If you’ve missed payments on a property you have as collateral, the lender could try to...
Special Kinds of Debt
Most of us have some form of debt, whether it be credit card debt, student loans, or a home mortgage. The first step to dealing with debt is to understand what kind you have. The most common form of debt is consumer debt, which is any debt that is personal in nature...
How Is My Divorce Affecting My Child’s Behaviour and Education?
In some circumstances, divorces are inevitable and the best option for both parties involved. Even when this is true, there is no denying that divorces change peoples’ lives. In many circumstances, divorces impact the kids the hardest. Let's take a look at how a...
Are all evictions banned under the COVID-19 restrictions?
No. Many, but not all, evictions are banned temporarily. So, what does a landlord or tenant need to know about the (recently extended again) ban on evictions due to the ongoing COVID-19 pandemic? Rent is still owed The ban on evictions does not mean that rent is no...
Is the debt collector being fair?
In the United States, we have the Fair Debt Collection Practices Act (FDCPA) to provide some legal protection to debtors from debt collectors. In Texas, we also have the Texas Debt Collection laws specifically for our state’s residents. Those laws limit what is and is...
What if a debt collector is harassing me?
No one likes to be reminded of a debt they owe. We’d rather forget about it, or at least put it off until we have the money to pay it without ignoring our other monthly expenses. It can feel like we are being harassed and abused, even if we aren’t. But some creditors...
If I didn’t respond to my divorce citation within the required time period and my spouse receives a default judgement, is there anything I can do?
So your spouse filed for divorce and you decided to ignore it. Now your spouse received a default judgement and you received a final divorce decree with a bunch of things you did not agree to. Don’t worry there might be a way to set the default agreement aside. ...
How will bankruptcy affect my credit?
While there are several factors which impact your credit, filing for bankruptcy will likely have a negative impact on your credit for a long time. Of course, the severity of the impact will depend on your pre-bankruptcy credit, as well as your actions post-bankruptcy....
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