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HOW CAN THE FAIR CREDIT REPORTING ACT HELP ME CORRECT ERROR ON MY CREDIT REPORT?

THE FAIR CREDIT REPORTING ACT The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If…

How Do you Master Human Relations?

Politics is in every breath that you breath. And, politics is in every relationship that you maintain. How do you master human relatsionships? Here is a portrait of a master of human relations: 1.         They will seem simple, but they are wise. 2.         They will be humble; but they will be able accept their achievements…

Bullock Court Clarifies the term: “Defalcation” in the Bankruptcy Context

In Bullok v Bankchampaign NA, the US Supreme Court clarified the term “defalcation” as that term is used in 11 USC 523(a)(4) which provides that a debt is not discharged “for fraud or defalcation while acting in a fiduciary capacity, embezzlement, or larceny.” Resolving a conflict among the Circuit Courts, the Bullock Court held that the…

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