EXPENSIVE CREDIT REPORTS
If you walk in with 3 credit reports that are a mile long each, I’m going to get your credit reports from my service, download them directly into my software and charge you for it. For a married couple for 3 a source report it is $53 and single $33 at this writing.
But don’t worry about that because my attorney’s fees are downright affordable compared to everyone else.
Free Credit Report
A great way to know how many creditors you have is to go to AnnualCreditReport.com to get your free annual credit reports. Make sure that you check mark all three credit reports on the page that asks which ones you want. Last I saw if you tried to check one at a time, it wouldn’t let you go back again unless you cleared your cookies first.
Also FreeCreditReport.com is a good place to go. They charge for a credit rating monitoring service but then allow you to get a free credit report with all three merged reports, once you have that, go back immediately and cancel the service before they charge you. You may have noticed that their link doesn’t work, they recently wrote to me and asked me to delink this post, I guess they didn’t like it that I was telling people to cancel their worthless service.
Having your credit report is a great tool for assisting your bankruptcy attorney to process your bankruptcy petition whether in chapter 7 bankruptcy or chapter 13 bankruptcy. However, it doesn’t end there, you may have received collection letters, or letters from attorneys, or even a summons and complaint. Make sure that you bring those to your attorney because he or she doesn’t know about them unless you tell him. And if you verbally tell him and don’t provide it in writing, you may be wasting your breath.
Documentation Beats Conversation Every Time.
Not sure if you’ve been sued? But have you been delinquent on your debt payments for a while? Have you moved or had your house foreclosed?
You’d better Check the Courts and County Recorder’s Offices:
- Riverside Superior Court
- Orange County Superior Court
- San Diego Superior Court
- San Bernardino Superior Court
- Los Angeles Superior Court
- San Francisco Superior Court
- Search for All Other Counties
Check the County Recorder’s Offices to see if a creditor has recorded a judgment lien against you:
- Riverside County Recorder
- Orange County Recorder (Click SEARCH top left)
- San Diego County Recorder
- San Bernardino County Recorder
- Search All Other Counties
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