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Garnishments

July 26, 2011 Mike Shovan

I receive a lot of calls about garnishments.  Many people are concerned that a creditor or a collection agency can garnish their bank account or

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What happens if I get sued by a creditor?

July 21, 2011 Mike Shovan

If you get sued by a creditor you will receive a Complaint either by personal service or by certified mail.  If you are personally served

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Beware of Loan Modification Scams in Michigan

July 14, 2011 Mike Shovan

All home owners should be cautious in dealing with any organization that attempts to charge a fee for housing counseling or modification of a delinquent

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How Can I Get a Free Copy of my Credit Report?

June 13, 2011 Mike Shovan

You are entitled to a free credit report once a year from each of the three major credit reporting agencies including:  Equifax, Experian and TransUnion. 

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What happens if I get sued by a creditor?

March 28, 2011 Mike Shovan

If you get sued by a creditor, you have to be aware of some basic civil procedure rules. The first thing to do is to

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Can a Debt Collector call your house and talk to your spouse or your children?

March 1, 2011 Mike Shovan

Yes. But – only for the limited purpose of confirming that you live in the house. A debt collector can call your house and confirm

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Are most debt consolidation plans a rip off?

February 13, 2011March 30, 2023 Mike Shovan

Most debt consolidation programs in Michigan are a rip off.

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