Prospective employees will always want everything to go in their favor while looking for a job.  They wouldn’t want any part and parcel of their past catching up with them or jeopardizing their employment prospects.

For some of these people their credit report is the only skeleton in their cupboards.  But unfortunately, for those who are job hunting it would be a bad time to have a poor credit and prospective employers would be looking at conducting credit checks on you.  It is especially the case if the job vacancy requires handling of money, sensitive material, and personal information.

Although it has been debated that using credit reports to take decisions while hiring employees is an unfair practice, it is still widely used by most employers, according to Chi Chi Wu, National Consumer Law Center, as it was stated in a testimony the previous year in front of the U.S. Equa

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Good creditor!

The Automatic Stay Stops Creditor Harassment

Creditors are like dogs, really mean dogs. They bark and bark and bark. Problem is that your creditors don’t respond to commands nearly as well as your dog. When you tell them to “SHUT UP”, they generally don’t comply, they just continue barking. Don’t you wish getting creditors off your back was as simple as training your pooch? Well, it can be.

Those who have been forced to file for bankruptcy due to overwhelming credit card debt, medical bills or the loss of a job are usually also being harassed by their creditors. While bankruptcy is an important life decision, not to be lightly entered into, it does afford tremendous protection from creditor harassment. The instant a bankruptcy case is filed, an injunction is put in place, called the automatic stay. The automatic stay prevents your creditors from continuing with any collection activity. Once you’v Read more…

The folks over at Public Counsel Law Center are always providing valuable information to consumers.  Public Counsel Law Center is the nation’s leading Pro Bono Law Firm and they do a great job in bankruptcy practice with their reaffirmation clinics and the new help desks at the clerk intake counter. Here are their

5 tips to avoid loan modification scams:

1.  Don’t Pay Up Front Fees;

2. Don’t Transfer Title or Sell Your House to a “foreclosure rescuer;”

3. Don’t Pay your Mortgage Payments to Anyone Other Than Your Lender or Loan Servicer;”

4. Never Sign Any Documents Under Pressure or Without an Opportunity to Review Them.

5. Don’t Ignore Letters From Your Lender or Loan Servicer.  Responding is the Best Bet For Saving Your House.

If someone demands an up-front fee, Public Counsel adivses that you can report them to the Attorney General’s Office at 1-800-952-5225; or file a complaint online. Rem

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As two-parent household stopped being a stereotype for the society women take more responsibility for raising their children alone, and there are many grants that single parents in particular women can use. With these

• grants for single mothers

at their disposal, women can rid of the troubles in this world while in the process of pursuing their personal goals and raising a family.

There is no limitation on the scope and amount of subsidies you can get or the amount of the grant, you can enjoy. As a woman, you are eligible for privileges in the form of all financial aid to manage the cost of care and the purchase of uniforms, school supplies or sports equipment for your children. Also if you want to continue your studies again, the government will help you with personal funds and tuition scholarships for books or other documents necessary for the university. You can find grants online and choose any future profession. Read more…

Bed bugs are an expensive problem

You may have heard: a bed bug epidemic is sweeping the country and few places have it worse than New York City. Seemingly everyone in the Big Apple has a bed bug story and don’t kid yourself; the infestations aren’t limited to the “less desirable” parts of town. The Waldorf Astoria has had bed bugs, bed bug infestations have been reported in offices on Park Avenue.

In addition to the flat out unsavory connotations associated with bed bugs, the critters are more than just a nuisance. They’re a financial bomb shell. For those already struggling to get by, an inspection by a trained dog to confirm bed bugs followed by a professional exterminator can cost anywhere between $500-$2,500. Simply not an option for many already having a hard time in a poor economy. Additionally, truly ridding an apartment of bed bugs often requires throwing away most or all of the furniture in the infested rooms. All cloth

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Bank of America made the news because it changed a provision in its mortgage credit policy. Until now, B of A, like most mortgage lenders, gave its borrowers a grace period of 15 days in which to get their payments in before imposing late charges. So if your mortgage payment was due on the first you had until the 15th to make it. And if you have a B of A checking account you can still do that. But a small change will catch many customers off guard — those with checking accounts at other institutions will find themselves paying a service charge of $6 every time they make their payment on day nine or later.

This will likely throw a monkey wrench into mortgage customers who live paycheck-to-paycheck and need to be able to make their mortgage payment on the 15th instead of the 1st. With many bills all due on the 1s, it can affect a borrower’s ability to pay on time and cause them credit problems if they can’t spread those payments out over a month.

These are the borrowers less likely to qualify for free checking options because many of those require carrying a minimum balance. If yo

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