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November 2015 Archives

Should I opt for a low-interest, adjustable rate mortgage?

When you are in the market for a new home, you are likely encountering a few options for obtaining a mortgage. Some loans feature a fixed rate, and others are adjustable. As Bankrate.com points out, a fixed rate mortgage will provide payment security, because you know that the interest on your loan will not rise. However, low-interest ARMs often attract homebuyers due to their initial low cost.

Using Chapter 7 bankruptcy to stop wage garnishment

In many cases, creditors have the right to garnish the wages of people living in Washington, D.C. As the law states, an employer can withhold income from a worker who is indebted to a creditor. However, the law also notes that if a court issues a written notice that attacks the judgment to garnish wages, the employer will have to stop. That is how filing for Chapter 7 bankruptcy can put a stop to wage garnishment.

Understanding your credit score

Your credit rating is much more than an indication of how you manage money. At Ammerman & Goldberg “Bankruptcy” Law Office, we know that your score will affect your future financial decisions. In order to give yourself the best possible chance at securing affordable loans and reasonable interest rates, you need to know the factors that determine your credit score.

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