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Credit Reporting – What is 30 Days Late?

Posted by Adam Alexander | Mar 02, 2019 | 0 Comments

Having a 30-day late payment on your credit report is damaging. It will cause an immediate drop in your credit score and affect your ability to obtain lower interest rates and quality credit. Consumers often ask me how creditors determine the passing of 30 days. It's not as simple as you may thin...

Are RV's, Boats and Motorcycles Covered Under Michigan’s Lemon Law?

Posted by Adam Alexander | Feb 28, 2019 | 0 Comments

The Michigan Lemon Law does not apply to RV's, boats and motorcycles, you still may have a remedy. There are alternative state and federal laws that apply to these vehicles, including the Magnuson-Moss Warranty Act, and U.C.C. breach of warranty. The Alexander Law firm accepts all qualifying defective product cases, including recreational vehicles, boats, ATV's and motorcycles.

Give a Hoot, Don’t Dispute!

Posted by Adam Alexander | Mar 01, 2018 | 0 Comments

Are you in the market for a mortgage? Know this rule: Dont dispute derogatory credit right before or during the mortgage application process. Everyone knows you have get your credit in the best possible shape prior to applying for a mortgage. Credit repair is the almost always a good idea. But c...

Identity Theft- Can I Keep My Information Safe?

Posted by Adam Alexander | Feb 28, 2018 | 0 Comments

People have more concern over identity theft now than ever before. With hackers breaching large corporations and organizations, people are starting to discover just how easy it is for their information to get out there without them knowing it. It can seem scary, but there are several things you c...

Life After Identity Theft- What Happens?

Posted by Adam Alexander | Aug 08, 2017 | 0 Comments

If you think identity theft can never happen to you, think again. According to the Federal Trade Commission, millions of individuals have their identities stolen every year. Identity theft can be terrifying, to say the least. Knowing what steps to take to regain your identity, however, can help y...

Warning Signs of Identity Theft

Posted by Adam Alexander | Aug 04, 2017 | 0 Comments

Identify theft is one of the most pernicious crimes that exists in the modern world. Through computer hacking and other methods, a criminal can get possession of your bank and credit information and clean you out just as surely as if he had demanded your wallet at gunpoint. Straightening the matt...

What is the Most Common Form of Identity Theft?

Posted by Adam Alexander | Aug 01, 2017 | 0 Comments

Identity theft is one of the scariest crimes in the modern world; you can lose your money, home, and reputation. What makes it worse is that identity theft can be easier than you think. Below are a few common ways that it can happen to you. Dumpster Diving: Thats right, identity thieves can fin...

3 Ways to Rebuild Your Credit

Posted by Adam Alexander | Jul 30, 2017 | 0 Comments

Perhaps you overspent and couldnt afford your credit card payments, or maybe you lost your job and found yourself unable to pay. Regardless of why, you may be looking at a poor credit score. Fortunately, credit scores are ever changing and you can improve a poor score. Here are three ways you ca...

Steps to Take After Your Identity Is Stolen

Posted by Adam Alexander | Jul 27, 2017 | 0 Comments

Identify theft is at the top of the list of consumer complaints filed with the FTC. There are many ways to steal someones identity, and once a thief has your personal information, they can max out your credit cards, completely rain your bank account, and ruin your credit score. Common identity t...

Tips for Protecting Yourself From Identity Theft

Posted by Adam Alexander | Jul 25, 2017 | 0 Comments

Identity theft is sweeping the nation. It seems like hardly a day goes by that there isnt a news item about some high profile hack on a major company, or a terrifying story about an individuals financial integrity getting ruined by identity theft. Its a crime that is becoming increasingly wide...

Understanding Your Rights Under Michigan's Lemon Law

Posted by Adam Alexander | Jul 11, 2017 | 0 Comments

Nothing is more frustrating than being the owner or lessee of a lemon.  Multiple trips to the dealership can be extremely inconvenient, especially when motorists have to deal with being without their vehicle for long periods of time.  Fortunately, Michigan law protects owners and lessees who find...

Your Rights Under the Fair Credit Reporting Act (FCRA)

Posted by Adam Alexander | Jul 06, 2017 | 0 Comments

Most people are no stranger to credit. Whether its a credit card, a mortgage, or a car loan, youll most likely take advantage of at least one line of credit at some point in your life. One factor that helps the companies that supply credit determine whether or not you qualify for specific lines...

How to Get Your Credit Report

Posted by Adam Alexander | Jul 02, 2017 | 0 Comments

You have choices when it comes to viewing your credit report.  Initially when you apply for credit and are denied, (called an adverse action in credit industry language), you will receive a free credit report.  That report will identify the credit reporting agency (CRA) that provided the report...

Can You Sue Debt Collectors that Violate Your Rights?

Posted by Adam Alexander | Jun 26, 2017 | 0 Comments

As you learned in our previous blog post, “How to Stop Debt Collectors From Unfairly Harassing You in Michigan,” there are laws in place to protect you from the unacceptable tactics often employed by debt collectors.  In this post well talk about how and why you should sue debt collectors who ha...

Michigan Debt Collection Laws

Posted by Adam Alexander | Jun 15, 2017 | 0 Comments

If you find yourself mired in debt, it helps to know the Michigan Debt Collection Laws that exist to protect you. Many times, phone calls from debt collectors are more than simply aggravating. Debt collectors have resorted to sleazy tactics to try to collect money they are allegedly owed by consu...

Michigan Stop Collection Attorney

Posted by Adam Alexander | Jun 12, 2017 | 0 Comments

When you find yourself the victim of deceptive practices from a collection agency, you may need to hire the services of an experienced Michigan stop collection attorney. Since many consumers are not aware of the laws regarding debt collection practices, they are often harassed and taken advantage...

Free Credit Scores Are More Available To Consumers

Posted by Adam Alexander | Jun 08, 2017 | 0 Comments

In the past, consumers had the right to get a free credit report, but not a free credit score. The actual credit score had been kept hidden by the credit bureaus unless you were willing to pay up to $15.00 just to see your score. The credit bureaus made millions of dollars from this hidden score ...

Lemon Law - Common Defense Tactics

Posted by Adam Alexander | Jun 06, 2017 | 0 Comments

THE 6 MOST COMMON DEALER AND MANUFACTURER TACTICS So your vehicle has been out of service 4 times for the same problem. Or it has been out of service for 30 cumulative days. Its a Lemon, right? You should be able to show the manufacturer your repair invoices and get your vehicle repurchased or r...

Are you receiving pre-recorded calls?

Posted by Adam Alexander | Jun 05, 2017 | 0 Comments

ARE YOU RECEIVING PRE-RECORDED PHONE CALLS? So you answer your phone or check your voice mail and theres a pre-recorded or robotic voice at the other end of the line. Is that legal? In many cases it is NOT LEGAL, and you may recover money damages for this abuse.Complaints about phone solicitati...

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The legal system can be stressful and overwhelming. As a consumer, you may need a helping hand at a time of financial hardship or emotional stress. Choose the experience and expertise of the Alexander Law Firm to support you during these trying times.