Source: https://www.johnwrose.com/blog/2011/07/
Timestamp: 2017-10-18 20:16:30
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July 2011 Archives | Cincinnati Bankruptcy Law Blog
Ohio ranks 32nd in nation for consumer credit
On behalf of The Rose Law Office posted in Bad Credit on Friday, July 29, 2011.
Recent analysis by a credit card website ranks Ohio 32nd in the nation in credit card habits. Ohio is the seventh most populous state in the nation, according to the U.S. Census Bureau. The actual analysis was an attempt to determine the "10 Best and Worst States for Consumer Credit." The website Creditcards.com conducted the analysis.
Continue reading Ohio ranks 32nd in nation for consumer credit...
Tags: Bad Credit, Cincinnati bankruptcy, credit card habits
Some experts believe decline in foreclosures may be short lived
On behalf of The Rose Law Office posted in Foreclosure on Thursday, July 28, 2011.
Recently this blog reported Ohio ranks 13th in the nation for the rate of foreclosures. The RealtyTrac data indicates that the overall number of foreclosure filings across the country declined by 29 percent during the first six months of this year, when compared to foreclosure filings in 2010. During the second quarter, foreclosure filings continued to slow. Second quarter filings decreased 32 percent from the same time period in 2010.
Continue reading Some experts believe decline in foreclosures may be short lived...
Credit scores and the fresh start of bankruptcy, Part 2
On behalf of The Rose Law Office posted in Bad Credit on Friday, July 22, 2011.
Yesterday, this blog began a discussion on credit card use and credit scores. The average consumer in the United States that uses some form of payment card, such as credit cards, debit cards and prepaid cards holds a total of 3.7 cards, according to the Federal Reserve. It only stands to reason that some consumers have a higher than average number of open credit card accounts. The higher the number of cards a consumer holds may allow for some flexibility in managing debt if a crisis arises.
Continue reading Credit scores and the fresh start of bankruptcy, Part 2...
Tags: Cincinnati bankruptcy, credit report, financial distress
Credit scores and the fresh start of bankruptcy, Part 1
On behalf of The Rose Law Office posted in Bad Credit on Thursday, July 21, 2011.
The Federal Reserve recently published a report showing that roughly 72 percent of American consumers carry at least one credit card. The average consumer holds three or more credit cards. In some instances carrying more credit cards can help a consumer's credit score. However, credit scores are complex animals.
Continue reading Credit scores and the fresh start of bankruptcy, Part 1...
Tags: Bankruptcy, restore a credit score
Continue reading Ohio State study says youth gain esteem from debt...
Fed urges national foreclosure process standards
On behalf of The Rose Law Office posted in Foreclosure on Thursday, July 14, 2011.
Despite recent news that a decline in foreclosure filings has occurred in recent months, there can be no question the foreclosure crisis has not reached its end. Many homeowners have received Ohio foreclosure notices during the economic downturn. The housing market still has left a large number of Ohioans, and people across the country underwater on their mortgage.
Continue reading Fed urges national foreclosure process standards...
Tags: Ohio foreclosure, judicial foreclosure
Federal Reserve announces new credit score disclosure rules
On behalf of The Rose Law Office posted in Bad Credit on Friday, July 8, 2011.
Congress passed the Dodd-Frank financial reform law after the economic meltdown. The measure was signed into law last year. The law involves, in part, requirements lenders must follow when denying a credit application. Wednesday the Federal Reserve issued new rules regarding credit disclosure in light of the mandate created under the Dodd-Frank Act.
Continue reading Federal Reserve announces new credit score disclosure rules...
Tags: Credit Score, credit restoration
Continue reading Data shows bankruptcy filings down in first half of year...
Avoiding pitfalls in bankruptcy cases, Part 2
On behalf of The Rose Law Office posted in Chapter 13 on Friday, July 1, 2011.
In the last post, this blog began a discussion of a few of the avoidable potential errors and omissions that can disrupt a bankruptcy case. The discussion left off with the effect the means test may have on a person's ability to file for chapter 7 relief.
Continue reading Avoiding pitfalls in bankruptcy cases, Part 2...
Tags: Bankruptcy Petition, Chapter 13 bankruptcy, Chapter 7 bankruptcy, Cincinnati bankruptcy