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Financial Tips & Information

What Are My Fair Credit Reporting Rights Under Michigan Law?

May 30, 2014April 6, 2023 Mike Shovan

STATE OF MICHIGAN – NOTICE TO CONSUMERS Under the Equifax voluntary security freeze program you may request that a security freeze be placed on your

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Financial Tips & Information

How Does HARP Work and Do I Qualify for HARP in Michigan?

May 26, 2014April 6, 2023 Mike Shovan

HARP is designed to allow responsible homeowners to take advantage of lower mortgage rates and payments, even if you owe as much or more on

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Financial Tips & Information

New Mortgage Servicing Rules Effective January 10, 2014

February 5, 2014April 6, 2023 Mike Shovan

Here is a summary of the New Real Estate Settlement Act and Truth in Lending Act that take effect in 2014: Consumers must be provided

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Financial Tips & Information

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

December 23, 2013April 6, 2023 Mike Shovan

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

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Financial Tips & Information

The 3 Step Strategy to Re-Establishing Credit

October 13, 2013April 6, 2023 Mike Shovan

My bankruptcy clients understand one very clearly: You will need to re-establish your credit after your bankruptcy. Make some life changing decisions as to how

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Financial Tips & Information

Michigan Periodic (Wage) Garishments are Extended to 182 Days!

March 25, 2013April 6, 2023 Mike Shovan

The Michigan legislature changed the law on wage garnishments. Effective September 2012, a writ of garnishment for wages, salary, commissions or other earnings remains in

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Financial Tips & Information

The Mortgage Forgiveness Debt Relief Act and Debt Cancellation is Extended throught 2013!

January 3, 2013April 6, 2023 Mike Shovan

Congress did one thing right in their last minute wranglings over the federal budget and their efforts to avoiding falling over the fiscal cliff –

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