Debt Collection Harassment

Written by: Timothy McFarlin  |  Publish date: March 1st, 2012

Falling behind on your payments or having a delinquent account can be a very stressful situation for most people. The majority of people want to pay their bills on time, pay their credit cards off, and maintain a good credit score. However, sometimes things that are out of our control leave us financially unable to make our payments. The loss of a job, or a medical emergency might be the reasons behind your late or absent payments, but the debt collectors don’t care about what your reasons are. All the creditors want to know is when you will be making [...]

Orange County Bankruptcy Attorney | OC Lawyers | OC Law Firm

Written by: Timothy McFarlin  |  Publish date: October 22nd, 2010

As an Orange County bankruptcy attorney, people sometimes ask me whether filing bankruptcy in Orange County differs from filing somewhere else, such as Los Angeles, Long Beach or Riverside. The differences may be subtle, but there are some unique characteristics to an Orange County Bankruptcy (filed at the Santa Ana Federal Courthouse), that are different from filing anywhere else. Orange County Bankruptcy Clients Since Orange County was somewhat of an epicenter for the real estate mortgage origination business, many bankruptcy clients have a background in the real estate market. Orange County was hit particularly hard when mortgage origination came to [...]

Newest credit card trick? 79.9 percent interest

Written by: Timothy McFarlin  |  Publish date: December 20th, 2009

The bloated APR is how First Premier Bank, a subprime credit card issuer, is skirting new regulations intended to curb abusive practices in the industry. It’s a strategy other subprime card issuers could start adopting to get around the new rules.

7 Ways To Avoid Holiday Debt

Written by: Timothy McFarlin  |  Publish date: November 23rd, 2009

People appreciate simple and meaningful over expensive and useless

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