Category: Your Credit

how often do debt collectors take you to court

Will a Debt Collector Sue and Take You to Court? Here’s What to Know

If you’ve been contacted by a debt collector about a debt they claim you owe, you may start fearing the worst. You may wonder, can debt collectors take you to court, even if the debt doesn’t belong to you or you’re not obligated to pay? And how often do debt collectors take you to court […]

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what is proof of debt validation

What’s a Debt Validation Letter? (And Why You Should Get One)

If a debt collector has contacted you, it’s critical to verify that the debt belongs to you and the information is accurate before you agree to pay or even acknowledge that it’s yours. Collection agencies are required by law to provide a debt validation letter after they first contact you, commonly referred to as proof […]

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jar with 401k label

Is Borrowing From 401k to Pay Off Debt a Good Idea?

If you have credit card debt or student loans but you have some retirement savings, there’s a good chance that you’ve thought about borrowing from a 401(k) to pay off debt. While borrowing from your retirement account is certainly an option, like any other financial decision, it does come with its own pros and cons. […]

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merchant cash advance restructure

How to Restructure Merchant Cash Advance Debt

A merchant cash advance might seem like an easy way to get fast financing for your business. But if you aren’t careful, it could turn into a headache. Or worse. If it’s becoming too difficult to keep up with MCA payments on top of all your other bills, a merchant cash advance restructure might be […]

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do business loans affect personal credit

Do Business Loans Affect Your Personal Credit?

As a business owner, it’s often necessary to borrow money to fund your company and cover major expenses. But do business loans affect personal credit? And if so, how can you ensure that a business loan doesn’t impact your personal credit score negatively? Read on to find out. Do Business Loans Affect Personal Credit? Your […]

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merchant cash advance breach of contract

What Happens with a Merchant Cash Advance Breach of Contract Lawsuit?

As with a small business loan, a merchant cash advance (MCA) involves a contract between you and your provider. If you stop making your payments, it could result in a merchant cash advance breach of contract, and the MCA lender could sue you. Dealing with merchant cash advance legal issues can be a pain for […]

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black couple smiling, looking at paper documents

How to Remove a Charge off from your Credit Report

Making all of your payments on time is important, but mistakes can happen. If you have one or two missed payments on a loan or credit card, your lender will likely charge you a late penalty and your credit score can take a hit. However, if you have several late payments and fail to pay […]

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black woman looking at bill frustrated

How to Dispute Collections: A Step-By-Step Guide (+ Best Dispute Reasons)

If you’ve found an error on your credit report, there is no reason to let it stay there. As a borrower, you are entitled by law to dispute any errors and have them removed, which can improve your credit score. Below is a step-by-step guide on how to dispute collections. Read it over to learn […]

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settle credit card debt when a lawsuit has been filed

How to Settle Credit Card Debt When a Lawsuit Has Been Filed

A lawsuit from a creditor can be scary and stressful. However, with the right plan and attorney on your side, you can resolve your lawsuit and get out of credit card debt for good. One option to consider: debt settlement.  You might be wondering how to settle credit card debt when a lawsuit has been […]

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how long does debt settlement stay on your credit report

How Long Does Debt Settlement Stay on Your Credit Report?

If you were recently in over your head with debt, you may have negotiated a debt settlement with your creditors. That likely provided much-needed financial relief. But now, you might be wondering how that settlement affected your credit score — and how long it will stay on your credit report. Here’s what you need to […]

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While our staff and attorneys are based in New York, Tayne Law Group P.C. serves clients from across the country! Whether you prefer to talk on the phone, schedule a video call, or want to come into one of our New York locations, our staff and lawyers are here to answer any of your questions.

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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.

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Policy

You make one low monthly payment and will never get an unexpected bill.

Experienced NY Debt Attorneys

We have more than 20+ years of experience providing clients with debt relief.

Confidential & Trusted

As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

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