I require that each of my clients filing for bankruptcy obtain a credit report for the reasons listed below. If you are married, I require obtaining credit reports for both you and your spouse.
You will receive a printed copy of the report for your review.
Obtaining the credit report helps us get accurate creditor names, addresses, types of debt, balances due, and account numbers.
Through your credit report, we may find creditors whom you have overlooked. For a debt to be discharged, it must be listed in your bankruptcy pleadings, so it's important that we find out about all debts.
Credit reports can alert us to judgments against you.
Credit reports can alert us to liens against your property, and the need to seek lien avoidance; thus helping you protect you property in some cases.
We may find out about co-signers to some of your debts, which are important to list in a bankruptcy.
If you are married, there may be surprising items on your credit report or your spouse's, and the reports can help us determine whether you should file individually or jointly.
We may find out about debts created by a former spouse, who may have forged your signature to obtain credit
Credit reports can alert us to mistakes on your credit record. The report will list the names and addresses of all three major credit bureaus whom you can contact to correct any mistakes or provide updated information.
Credit reports often contain the names and addresses of collection agencies representing creditors, and we can notify these collection agencies about the bankruptcy so that collection efforts stop.
If the IRS has a tax lien on your property, the credit report will alert us so that it can be dealt with properly.
Knowing what is on your credit report can help you get credit approval for important purchases after your debts are discharged.
Not every creditor reports debts to a credit bureau, so your credit report will not list all debts. You should be sure to let your attorney know about all debts you are aware of, as you must list all creditors in your bankruptcy, without any exceptions whatsoever.In completing your debt forms for each and every creditor, it is important that you give me the name and address of the creditor itself, in addition to the name and address of any collection agents. Just giving notice of your filing to collection agents means the actual creditor may not get notice of your filing, in which case your debt to the creditor may not be discharged.
Beginning March 2005, citizens of Missouri and Kansas will be able to obtain a free copy of their credit report from each of the three national credit reporting agencies annually. This is because of a recent amendment to the Fair Credit Reporting Act (FCRA) a/k/a Fair and Accurate Credit Transaction Act (FACTA).
You cannot get the free copy of your report by contacting the national reporting agencies directly. To order your free credit report you must order using one of the following three methods:
Ordering on the Internet:
Click on: http://www.annualcreditreport.com/
If you make your request online, you should be able to access that report immediately.
Ordering through a toll-free telephone number:
Call 877-322-8228
Your credit report will be processed and mailed to you within 15 days.
Ordering your credit report by mail:
Complete the order form found at http://www.ftc.gov/credit (a copy is attached) and mail it to:
Annual Credit Report Request Service P.O. Box 105281 Atlanta, BA 30348-5281
You can order your credit report from one, two, or all three reporting agencies at the same time or you can stagger your requests over a year's time. You will have to provide some information when requesting your report: name, address, Social Security number and date of birth. If you moved in the past two years, you may have to provide your previous address. Also to maintain the security of each consumer's file, the credit reporting agency may ask for some information that only you would likely know. Each company might ask for different information.
William P. Turner Law Office, P. A.
7920 Conser Street
Overland Park, KS 66204
Phone: (913) 649-4700
Fax: (913) 648-7915
E-mail
Disclaimer
The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Any e-mail sent via the Internet using e-mail addresses listed in this Web site would not be confidential and would not create an attorney-client relationship. No person should act or rely upon the information or materials available from this Web site without professional advice.
I am a federally designated debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.
Located in Overland Park, Kansas, the William P. Turner Law Office provides bankruptcy services to clients in the Kansas City Metro Area in Kansas, including Overland Park, Kansas City, KS, Olathe, Merriam, Shawnee, Mission, Leawood, Lenexa, Leavenworth, Prairie Village, Gardner, De Soto, Bonner Springs, Paola, Osawatomie, Lawrence, Louisburg and Tonganoxie.
Johnson County, Miami County, Leavenworth County, Wyandotte County, Douglas County
The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.
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