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It’s no secret that check advance loans are not a bright decision.  The interest rates and fees on these loans make the real interest rates on these loans several hundred percent- more than times the interest rate of even the most expensive of credit cards.  Even check advance lenders will remind you that check advance loans are high interest and should only be used as a loan of last resort.

As bad as they are, some are worse than others.  At all costs, avoid internet based cash advance loans.  Many of these operations operate from outside the United States- and United States law.  Most don’t respect common protections of bankruptcy.  Even if you seek bankruptcy protection, they will continue to take money from your account.  You can still sanction them in bankruptcy court, right?  WRONG.

Because they operate off shore in far away lands, they don’t respond to court notices.  They are far from justice and far from fair.  They often charge fees beyond what is legally permissible.  They are a really bad deal- even for what is already not such a great deal.

Rebuilding credit after bankruptcy is doable…however, you need to do a little work to make sure everything is as it should be.

A common worry I hear from client just out of bankruptcy that credit stuff on their credit reports is wrong. Sometimes things remain as collections on the report that were discharged in bankruptcy. Is this correct? Nope. End of the world? Certainly not. Fixable? Certainly.

The easy fix is to send a note to the credit bureau and the creditor that the debt was discharged by the bankruptcy and should no longer be on the report. Be sure to do in writing. Writing is a pain- I know- it’s also the only proof that you brought it to someone’s attention.

If they still refuse to fix it, the letter is your proof you asked. That proof, along with the motion I would file, would allow the bankruptcy court to sanction the creditor.

Good credit is possible after bankruptcy. With our help, we can get you back on track. Sometimes, just like your bills, you need a little help from us.

Call today. Tomorrow, start working on better credit.

Call us. We can help.

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