bankruptcy blog

There are many myths about bankruptcy you may hear floating among conversations by the misinformed. If you are faced with the decision of filing bankruptcy, make sure you are aware of the facts and don’t rely on what your uncle’s cousin’s friend once told you. For those who may be familiar with the concept (and  … Read more

WE SUE DEBT COLLECTORS!!! YOU HAVE RIGHTS AND BAKER & ASSOCIATES WILL PURSUE THEM. HAVE YOU EXPERIENCED ONE OR MORE OF THE FOLLOWING: Did a debt collector contact a family member, friend, or neighbor and tell them about your debt? Did this happen more than once? Did a debt collector threaten to use violence or  … Read more

It is commonly thought that filing a bankruptcy will ruin your credit score. Although generally bankruptcy will have the immediate short term effect of lowering your credit score, the reality is in the long run it generally helps your credit score. FICO (your credit score) is nothing more than a mathematical formula used by creditors  … Read more

House foreclosure – problems paying you house mortgage? A large number of people are turning to “loan modification firms” to help them get a loan modification. Not only are they using these newly founded firms and believing the “hype” but they are paying large sums of money to “loan modification” companies. Far too much money  … Read more