By Gudrun Nickel

ISBN-10: 1572483695

ISBN-13: 9781572483699

MAKE credits paintings FOR YOU!

Written by means of an lawyer, in easy, easy-to-understand language, credits clever takes you from studying approximately credits heritage and the credits program strategy to utilizing credits responsibly.

- From facing company debt and baby help to dealing with assortment agencies
- From figuring out personal loan specifications to becoming credits very easily and virtually into your life

Get your credits below regulate with credits Smart-the important device for facing credits and credits issues.

CreditSmart comprises info about:
--Credit bureaus --Student loans
--Loan disclosures --Effects marriage has on credits and debt
--Secured bills --Effects divorce has on credits and debt
--Credit experiences --Fair Debt Collections Act
--Credit playing cards --Consumer credits safeguard Act

Understand your rights-protect your monetary destiny

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Additional resources for Credit Smart: Your Step-by-Step Guide to Establishing or Re-Establishing Good Credit

Sample text

Even without judgments, some states allow liens to be filed. In Florida, for example, condominium associations generally have the right, without first getting a judgment, to place a lien on your property if you do not pay your condominium association assessments. Likewise, people that you employ to work on your property or provide material may be able to file a lien before getting a judgment if you do not pay them. A judgment may also become a lien on your property. Ultimately, the lienholder may take the property and foreclose its lien, just like a creditor to whom you actually gave a security interest in your property.

In Florida, for example, condominium associations generally have the right, without first getting a judgment, to place a lien on your property if you do not pay your condominium association assessments. Likewise, people that you employ to work on your property or provide material may be able to file a lien before getting a judgment if you do not pay them. A judgment may also become a lien on your property. Ultimately, the lienholder may take the property and foreclose its lien, just like a creditor to whom you actually gave a security interest in your property.

Repayment usually doesn't begin until completing or leaving the school program. This is another good opportunity to establish your credit history. Making Payments Once you have received a new credit card or obtained a loan, the importance of making payments on time cannot be emphasized enough. Remember that the lender or credit card company must receive payment on or before the due date. The date you mail the payment doesn't matter, as long as it is received by the due date shown on your statement or loan document.

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Credit Smart: Your Step-by-Step Guide to Establishing or Re-Establishing Good Credit by Gudrun Nickel


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