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Garcia & Gonzales, P.C

Your Rights & the Fair Debt Collection Practices Act: FAQs

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors’ use of abusive, deceptive or unfair tactics to try to collect debts from consumers. Under the FDCPA, you, as a borrower, have certain rights, and debt collectors are obligated honor these rights and provide you with clear, truthful information.

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Garcia & Gonzales, P.C.

4 Facts to Know When You Can’t Pay Your Bills

Even the most fiscally responsible people can find themselves in situations where they are unable to meet their financial obligations. Whether this is because of divorce, unemployment, illness or some other reason, the bottom line is that the following facts can be pivotal to helping you:

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Life after Bankruptcy: 6 Facts to Know (Pt. 1)

Pursuing bankruptcy can help people resolve some significant debt issues. In fact, by eliminating some of the more common and crushing debt people have (like credit card debt), bankruptcy can effectively provide people with a financial fresh start.

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Garcia & Gonzales, P.C.

5 Tips for Paying Off Your Credit Card Debt

The average household that is carrying debt owes about $15,800 in credit card debt. While credit card debt may not be more important to pay off than your other debts, focusing on getting this debt paid will be crucial to...

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Garcia & Gonzales, P.C.

CO Bankruptcy Court Filing Fees at a Glance

Bankruptcy can help people eliminate their debts and obtain a financial fresh start. To obtain these benefits of bankruptcy, however, people have to first proceed through the bankruptcy legal process, the first steps of which will be filing a bankruptcy petition with the court and paying the related filing fees.

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Garcia & Gonzales, P.C.

Break these 4 Bad Habits to Start Improving Your Finances Now

When you want to get your finances back on track, trying to earn extra money can be one option. However, if you aren’t able to effectively manage your money, earning more may not be the solution you need – especially if you end up experiencing a drop in income at some point in the future.

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