Category: Credit Reports
By Michael Doan
closeAuthor: Michael Doan
Name: Michael Doan
Email: mike@doanlaw.com
Site: http://www.doanlaw.com
About: Helping consumers in the following counties of California: San Diego, Imperial, Orange, Riverside, San Bernardino, Los Angeles, and Ventura. Call (800) 380-DOAN or visit my website at doanlaw.com to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you call.
San Diego Bankruptcy Attorney Michael G. Doan graduated from the University of San Diego with a Bachelor of Accountancy, earning departmental honors. He then entered California Western School of Law, earning his Jurist Doctorate.
Michael is admitted to the State Bar of California, the American Bar Association, as well as the San Diego County Bar Association and the North County Bar Association.
Other professional affiliations include:
National Bankruptcy Institute
Association of Trial Lawyers of America
Consumer Attorneys of San Diego
National Association of Consumer Bankruptcy Attorneys
American Bankruptcy Institute
North County Attorney Referral Service
and The San Diego County Attorney Referral Service
Michael is admitted to practice law in the Supreme Court of California, all Federal Courts of Appeals for the Ninth Circuit, and all Federal District Courts in the Southern and Central Districts of California.
He is a skilled Bankruptcy attorney with twelve years experience practicing in the fields of real estate, bankruptcy, personal injury, estate planning, contracts, worker's compensation, and tax and debt negotiation.
He is also a licensed Mortgage Broker and Realtor with membership in the San Diego Association of Realtors and President of a full-service real estate company, First Platinum Properties.
Currently, Michael is concentrating his practice solely in Bankruptcy Law and is a Board Certified Specialist in Consumer Bankruptcy Law by the American Board of Certification, one of only eight such attorneys in all of California.
To date, he has filed over 5,000 consumer bankruptcy cases. He has also has been published in both the Ninth Circuit Court of Appeals and the Ninth Circuit Bankruptcy Appellate Panel.
Mr. Doan also practices bankruptcy on the cutting edge, being the first attorney in the Southern District of California to file the first Chapter 7 Bankruptcy and Chapter 13 Bankruptcy under the new Bankruptcy Laws.
Michael G. Doan has successfully completed The American Board of Certification requirements for national certification in consumer bankruptcy law.
To become certified, Southern California Bankruptcy Attorney Micheal G. Doan satisfied the following requirements:
Full time practice of law for at least five years
Documented involvement in consumer bankruptcy by providing information on cases practiced
Demonstrated commitment to continuing legal education by earning at least 60 hours of bankruptcy education in the past three years
Passed an extensive, day-long written examination covering consumer bankruptcy issues
The American Board of Certification is a non-profit organization dedicated to serving the public and improving the quality of the bankruptcy bar. The rigorous certification standards are designed to encourage bankruptcy practitioners to strive toward excellence and to recognize those attorneys who are experts in the bankruptcy field. The certification program is accredited by the American Bar Association.
The American Board of Certification is co-sponsored by the American Bankruptcy Institute and the Commercial Law League of America. The ABC Board of Directors consists of many of the nation's finest bankruptcy and creditors' rights lawyers, former judges, and law professors.
mike@doanlaw.com
2850 Pio Pico Drive, Suite D
Carlsbad, CA 92008
phone: 760.450.3333
fax: 760.720.6082
(800) 380-DOAN
www.doanlaw.comSee Authors Posts (57) on Dec 4, 2007 in California, Collection Issues, Consumer Protection, Credit Reports, Discharge Violations, General Bankruptcy Information, Life After Bankruptcy | 0 Comments
Generally, reporting a balance influences the debt to credit ratio, which typically amounts to 1/3 of what your credit score is based upon. While many creditors try to argue that they are simply reporting truthful information of what they are owed and what remains on their books, they entirely miss the boat.
If you liked that [...]
By Kurt O'Keefe, Attorney at Law
closeAuthor: Kurt O'Keefe, Attorney at Law
Name: Kurt O'Keefe Michigan Bankruptcy Attorney
Email: koklaw@gmail.com
Site: http://www.koklaw.com
About: graduated University of Michigan, cum laude, 1976
Wayne State University Law School, 1979
Michigan state chair, National Association of Consumer Bankruptcy Attorneys
member, American Bankruptcy Institute
member, pro bono panel, Eastern District of Michigan Bankruptcy Court
Admitted to practice, 6th Circuit Court of Appeals, Eastern and Western Districts of Michigan
certified in consumer bankruptcy law by the American Board of CertificationSee Authors Posts (78) on Nov 25, 2007 in Consumer Protection, Credit Cards, Credit Reports, Debt Collector Abuses, Michigan, Predatory Lending | 0 Comments
Chase has decided to help the little guy and cease raising interest rates when the cardholder’s credit score declines. More on this new development was also reported on our sister site, Credit Law Network.
This lovely predatory practice allowed Chase to impose penalty interest rates on card holders who had never been late, were under [...]
By Stephen Otto, Pennsylvania Bankruptcy Attorney
closeAuthor: Stephen Otto, Pennsylvania Bankruptcy Attorney
Name: Stephen Otto, Pennsylvania Bankruptcy Attorney
Email: steve@sottolaw.com
Site: http://www.sottolaw.com
About: I am a Pennsylvania lawyer who focuses his practice in the areas of consumer bankruptcy and consumer litigation. I am a member of the National Association of Consumer Bankruptcy Attorneys (NACBA) and the National Association of Consumer Advocates (NACA). Please visit my website, www.sottolaw.com, for more information. You may also call me at 1-800-741-8469.See Authors Posts (70) on Nov 22, 2007 in Consumer Protection, Credit Reports | 1 Comment
The Federal Trade Commission has a website devoted to Identity Theft. It contains information for consumers, businesses, law enforcement, and military families. In addition to providing tips to avoid identity theft, the site has information for victims of identity theft, and quizzes and information to educate individuals regarding identity theft.
The FTC’s website is also available [...]
By Kent Anderson, Oregon Bankruptcy Attorney
closeAuthor: Kent Anderson, Oregon Bankruptcy Attorney
Name: Kent Anderson, Oregon Bankruptcy Attorney
Email: kent@kentandersonlaw.com
Site: http://eugenebankruptcylawyer.com
About: I was admitted to practice in Oregon in1978 and have practiced in the Oregon Bankruptcy Court since I was admitted to the federal court bar a few months later. I am designated as a Consumer Bankruptcy Specialist by the American Board of Certification, and have completed both the Max Gardner Bankruptcy Litigation Bootcamp and the Peter Barry Fair Debt Collection Practices Act Bootcamp. I am a member of the National Association of Consumer Advocates and have dedicated my practice to consumer advocacy. Mortgage Servicer abuse "correction" through bankruptcy adversary proceedings has become a matter of special interest in recent years. Many years of experience in practice before the Internal Revenue Service and Oregon Department of Revenue has made me a valued referral source for accountants, tax preparers and other attorneys.See Authors Posts (60) on Nov 7, 2007 in Collection Issues, Consumer Protection, Credit Reports, Debt Collector Abuses, Discharge Violations, General Bankruptcy Information, Life After Bankruptcy | 0 Comments
In a recent BusinessWeek article entitled “Prisoners of Debt”, the author discussed companies buying and selling debt that has already been discharged in bankruptcy. When the debt is revived by unlawful credit reporting or collection action it is often referred to as zombie debt. It seems that such debt can be purchased inexpensively [...]
By Peter Orville, Attorney at Law
closeAuthor: Peter Orville, Attorney at Law
Name: Peter Orville, Attorney at Law
Email: porville1@stny.rr.com
Site: http://www.peterorville.com
About: Helping consumers in the following counties of the Northern District of New York: Broome; Chenango; Cortland; Delaware; Onondaga; Otsego; Tioga; and Tompkins.
Call (607)770-1007 to set up an initial consultation and to learn how I can help you. Or visit my website at www.peterorville.com
Mention Bankruptcy Law Network when you call.See Authors Posts (97) on Nov 6, 2007 in Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Choosing Bankruptcy Attorney, Credit Reports, Discharge Violations, General Bankruptcy Information, Marriage and Debt, Protecting Assets In Bankruptcy, Role Of The Lawyer | 0 Comments
You should treat your bankruptcy lawyer with a great deal of respect…if they deserve it. Yes, I am a bankruptcy lawyer. Every day people who never wanted to even consider filing for bankruptcy come to see me. Besides being reluctant to be in my office, they walk in all stressed out. [...]
By Karen Oakes, Southern Oregon Bankruptcy Attorney
closeAuthor: Karen Oakes, Southern Oregon Bankruptcy Attorney
Name: Karen Oakes, Southern Oregon Bankruptcy Attorney
Email: oakeslaw@gmail.com
Site: http://www.oakeslawoffice.com
About: Helping consumers in the following counties of Oregon: Klamath; Lake; Jackson; Josephine; Curry; Deschutes; and others. Call 541-273-1650 or visit my website to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you call.See Authors Posts (79) on Oct 19, 2007 in Bankruptcy Myths, Bankruptcy Practice and Procedure, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Protection, Credit Reports, Debt Collector Abuses, Discharge Violations, General Bankruptcy Information | 0 Comments
My friend and colleague, John Rao, of the National Consumer Law Center, is guest-blogging this week over at Creditslips.com, a academically oriented blog. He writes about the post-filing required financial management course (aka Debtor Education, Financial Managment, the class after bankruptcy, etc.). John’s blog on this subject can be read [...]
By Nicholas Ortiz, Boston Bankruptcy Attorney
closeAuthor: Nicholas Ortiz, Boston Bankruptcy Attorney
Name: Nicholas Ortiz, Boston Bankruptcy Attorney
Email: nfo@mass-legal.com
Site: http://www.bkmass.com/
About: Helping consumers in the following counties of Massachusetts: Suffolk; Norfolk; Essex; Middlesex; Plymouth; Bristol; Barnstable; Dukes; Nantucket. Visit my website www.bkmass.com to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you callSee Authors Posts (91) on Oct 18, 2007 in Credit Reports | 0 Comments
VantageScore is the name the new credit score algorithm created by the big three credit reporting agencies, Equifax, Experian and TransUnion. This credit scoring system competes with the traditional FICO score from Fair Isaac. In fact, Fair Isaac has sued Equifax, Experian, TransUnion and others for unfair competition and other contract and tort [...]
By Nicholas Ortiz, Boston Bankruptcy AttorneycloseAuthor: Nicholas Ortiz, Boston Bankruptcy Attorney
Name: Nicholas Ortiz, Boston Bankruptcy Attorney
Email: nfo@mass-legal.com
Site: http://www.bkmass.com/
About: Helping consumers in the following counties of Massachusetts: Suffolk; Norfolk; Essex; Middlesex; Plymouth; Bristol; Barnstable; Dukes; Nantucket. Visit my website www.bkmass.com to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you callSee Authors Posts (91) on Oct 17, 2007 in Collection Issues, Credit Reports | 0 Comments
In Massachusetts a debt collector can not report to a credit reporting agency in its own name. The regulations of the Massachusetts Division of Banks state that it is unlawful “For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector’s name. [...]
By Nicholas Ortiz, Boston Bankruptcy AttorneycloseAuthor: Nicholas Ortiz, Boston Bankruptcy Attorney
Name: Nicholas Ortiz, Boston Bankruptcy Attorney
Email: nfo@mass-legal.com
Site: http://www.bkmass.com/
About: Helping consumers in the following counties of Massachusetts: Suffolk; Norfolk; Essex; Middlesex; Plymouth; Bristol; Barnstable; Dukes; Nantucket. Visit my website www.bkmass.com to set up an initial consultation and to learn how I can help you. Mention Bankruptcy Law Network when you callSee Authors Posts (91) on Oct 17, 2007 in Collection Issues, Credit Reports | 0 Comments
Here in Massachusetts (and other states in the First Federal Judicial Circuit) once a consumer makes a verbal dispute to a debt collector, that debt collector can not report the debt to a credit reporting agency without communicating that a debt is disputed. This is because the First Circuit recognize that the Fair Debt [...]
By L. Jed Berliner, Springfield Bankruptcy Attorney
closeAuthor: L. Jed Berliner, Springfield Bankruptcy Attorney
Name: L. Jed Berliner, Springfield Bankruptcy Attorney
Email: ljedberliner@gmail.com
Site: http://www.berlinerlaw.com
About: Attorney L. Jed Berliner has concentrated his law practice in bankruptcy, commercial litigation, creditors' rights and debtor's remedies since 1982, having generally practiced since 1976. He opened the Berliner Law Firm of Springfield, Massachusetts in 1988 and now practices exclusively in consumer bankruptcy and related consumer protection litigation.
Attorney Berliner received his Bachelor of Arts Degree from Cornell University in 1972, and his Juris Doctor degree from the University of Kansas in 1977. He practiced general law in northern Michigan, established a bankruptcy concentration in Boston, MA in 1982, and established his Springfield, MA practice in 1988.
Attorney Berliner is a regular and active contributor to the Bankruptcy Law Network, the Bankruptcy Roundtable, and the National Association of Consumer Bankruptcy Attorneys, three specialized consumer bankruptcy forums on the Internet, and is an informal mentor to regional practitioners. He contributed to the local rules on electronic filing rules and is recognized by his peers as an expert in consumer bankruptcy issues. He thoroughly enjoys being rated "excellent" in his client surveys.See Authors Posts (99) on Oct 14, 2007 in Bankruptcy Cases of Interest, Bankruptcy Practice and Procedure, Consumer Protection, Credit Reports, Decisions of Interest, Discharge Violations, Life After Bankruptcy, Massachusetts, Role Of The Lawyer | 0 Comments
A creditor must act intentionally to collect or enforce a discharged debt, and with knowledge of a bankruptcy discharge, before sanctions in Massachusetts are appropriate. This must be proven by clear and convincing evidence (although it need not include a specific intent to violate the discharge). Therefore, a negligent inclusion of false data [...]
