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November 2013 Archives

Too many "debt relief" companies not helpful

It is an emotionally draining and stressful experience to be over your head in debt. Unfortunately, many in this position in Michigan start to receive numerous solicitations from companies promising debt relief. Far too many of them seem to only be interested in maximizing their own profit rather than really working out a solution that works for you and gets you out from under your debt.

Activist groups buy medical debt, forgives it

A lot of Michigan readers are already familiar with the activist movement Occupy Wall Street. Less well known is the off-shoot group Strike Debt, aimed specifically at advocating for consumers and borrowers struggling with debt. One project of this group has been to buy consumer debt from credit companies in the same way that a debt collection firm would, for pennies on the dollar.

Card Act shows positive results for borrowers

Some Michigan readers might remember hearing about a law called the Card Act which was a part of efforts that lawmakers undertook to adjust the financial system to be more friendly to borrowers. Under this law, credit card companies are limited in the types of fees that they can charge to customers and limited the ability of banks to raise the interest rate or change other terms without warning.

Debt collectors under scrutiny from consumer protection agency

Regulators at the Consumer Financial Protection Bureau have released information about some proposed new limits on debt collection practices. The new limits are still about a year away from becoming law, but the proposals signal action on the increasing problem of aggressive and unfair debt collection practices that impact so many Americans. In fact, one in ten Americans hold past-due debt at an average amount of $1,400.

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    Posted by MaryDecember 11, 2015

    "I am overwhelmed by your response to my call, even 10 years after my bankruptcy was discharged. You have more knowledge and expertise than I could have imagined. Because of you, my fears have been put to rest. For that, I'm so very grateful. Thank you many times over. "

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    Posted by ClientOctober 26, 2010

    "... I was extremely impressed with Charles' understanding of the bankruptcy laws to the extent that I felt certain that my best interests were always at the forefront. "

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    Posted by MarleneJanuary 8, 2014

    He helped me thru my 1st bankruptcy and now the second. I had no idea what to expect , but they kept me informed and answered all my questions. Mr. Schneider is the most experienced and knowledgeable lawyer I have ever met. If you have to file call this attorney first!

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