Kindlund Legal LLC

04/04/2019

What You Need to Know About Public Records on Your Credit Report

Public records that can appear on your credit report include #bankruptcy , judgment, or a tax lien. As the record gets older, it hurts your credit score less.

Certain public records are extremely difficult to remove from your credit report and can have a devastating effect on your score.

04/03/2019

6 Ways To Bounce Back From Bankruptcy | Bankrate.com

Despite the hardships you’ll endure after declaring a bankruptcy, there are several ways you can bounce back.

Bankruptcy will cloud your credit, but you can recover. It takes time and discipline, but it isn’t unthinkable.

03/27/2019

What to Do When a Creditor Sues

If you lose a lawsuit to a creditor and the amount you owe is too high for you to pay, you might consider filing for bankruptcy. When you file, collection efforts against you will be automatically halted.

When a creditor takes you to court your best defense is preparation.

03/22/2019

Here's How to Survive Bankruptcy

Understanding what bankruptcy is, how it impacts your finances and the advantages and disadvantages can help you survive and recover from this financial shakeup.

Understand the impact bankruptcy will have on your finances – and how to recover.

03/20/2019

Testimonial Tuesday:
Client review posted on Yelp today:

Jillian was excellent - handled a rather complicated bit of legal work effortlessly and managed to help get everything cleaned up and back on track after my divorce left my credit and bill situation in a complete train wreck! Thanks Jillian! Highly recommend!

02/26/2019

This is the real reason most Americans file for bankruptcy

This is the No. 1 reason Americans file for bankruptcy - and it’s not usually avoidable

https://www.msn.com/en-us/money/markets/this-is-the-real-reason-most-americans-file-for-bankruptcy/ar-BBTrZxd

Two-thirds of people who file for bankruptcy say medical bills or other issues related to illness contributed to their financial downfall. One big reason: Their health insurance wasn't enough.

02/19/2019

6 Downsides Of Income-Driven Repayment

Income based repayment of student loans can help in the short run, but there are some downsides going forward

https://www.forbes.com/sites/adamminsky/2019/02/08/6-downsides-of-income-driven-repayment/#7545ee533122

Income based repayment is a lifeline for many, but there are some major pitfalls.

02/12/2019

what is a debt buyer— can I settle with them for 10 cents on the dollar?

https://www.nolo.com/legal-encyclopedia/debt-buyers-and-how-to-negotiate-with-them.html

02/11/2019

How to lower your credit card utilization | Credit Karma

My credit score improved by 49 points in two months- how did I do it?
I paid down a store credit card by $60 and a secured credit card by $50 which lowered my credit usage percentage- see more ways to improve your credit score
https://www.creditkarma.com/advice/i/how-to-lower-your-credit-card-utilization/

You can lower your credit card utilization by paying down your balance early or increasing your credit limit. Also why does low utilization matter?

02/02/2019

Why Compassion Matters for Lawyers

My priority is being a compassionate lawyer:

https://jeenacho.com/2016/12/29/why-compassion-matters-for-lawyers/

Being a “good lawyer” requires more than the ability to get the facts, apply the applicable law, analyze and advocate for your client’s position.

01/29/2019

Generation Wealth - Official Prime Video Trailer | Amazon Studios

Do we want more no matter how much wealth we have?

https://youtu.be/f1WtnnWHnQg

Lauren Greenfield’s postcard from the edge of the American Empire captures a portrait of a materialistic, workaholic, image-obsessed culture. Simultaneously ...

01/22/2019

D.C. Council Votes To Protect Feds From Foreclosure And Eviction During Shutdown | DCist

https://dcist.com/story/19/01/22/d-c-council-votes-to-protect-feds-from-foreclosure-and-eviction-during-shutdown/

The bill requires judges to stay any motion of eviction, foreclosure, or repossession against federal workers during a shutdown and for 30 days after.

01/18/2019

The 10 Best Payment Apps of 2019 - Make Paying Easier

https://www.google.com/amp/s/www.moneyunder30.com/publisher/amp/best-payment-apps

Payment apps make paying for your purchases, or splitting a bill easier than it's ever been. These 10 apps offer something for everyone.

01/16/2019

Paying your mortgage should be a priority over other bills, including cell phone and credit card bills, if you become 2 months overdue your lender can return your payment and put your home into foreclosure status

https://www.nolo.com/legal-encyclopedia/what-to-do-if-you-can-t-pay-your-mortgage-due-to-a-government-shutdown.html

01/16/2019

Save your home

01/16/2019

Kindlund Legal LLC

01/16/2019

's cover photo

01/16/2019

We are transitioning to
Kindlund Legal LLC

01/11/2019

Democrats Introduce Bill To Shield Unpaid Federal Workers From Lenders And Landlords

When will it end...
https://www.yahoo.com/news/democrats-introduce-bill-shield-unpaid-000849682.html

WASHINGTON ― Democrats on Wednesday introduced legislation that would give

01/08/2019

For these federal workers, shutdown means weighing which bills to pay

https://www.washingtonpost.com/local/md-politics/for-these-federal-workers-shutdown-means-weighing-which-bills-to-pay/2019/01/07/5651a9ee-1295-11e9-803c-4ef28312c8b9_story.html?noredirect=on&utm_term=.16154df30b39

In suburban Maryland, government employees brace for missing a paycheck on Friday.

01/07/2019

In shutdown, janitors, security guards, and other federal contractors get no back pay

Federal contract workers may not get back pay

https://abcn.ws/2CTE0By

After the shutdown, federal employees could get back pay. Contractors have to make up for lost income.

01/05/2019

Servicers treating government shutdown like a natural disaster

Mortgage services are working with furloughed fed workers:

https://www.nationalmortgagenews.com/news/mortgage-companies-treating-government-shutdown-like-a-natural-disaster

As the government shutdown enters its third week, mortgage servicers are activating the response plans they normally use during hurricanes and wildfires to assist federal workers who may have trouble paying their mortgages.

12/28/2018

6 reasons to avoid payday loans

Avoid payday loans!

https://www.creditcards.com/credit-card-news/six-reasons-avoid-payday-loans-1264.php

With all the bad press payday loans get, you'd think people would steer clear of them. But the lure of fast cash keeps them coming

12/27/2018

DOJ, With 'Regret,' Says Shutdown Complicates Court Orders and Deadlines | National Law Journal

The shutdown is effecting court deadlines-

https://www.law.com/nationallawjournal/2018/12/26/doj-with-regret-says-shutdown-complicates-court-orders-and-deadlines/

Here's what U.S. Justice Department lawyers are telling judges: Although we greatly regret any disruption caused to the court and the other litigants the government hereby moves for a stay of all proceedings in this case.

12/22/2018

To all my friends and clients 🎄🎄🎄

12/19/2018

‘Justice’ is Merriam-Webster’s word of the year, beating out ‘lodestar’ and ‘nationalism’

Justice is the word of the year- along with misinformation- what’s your word?
https://www.washingtonpost.com/amphtml/arts-entertainment/2018/12/17/justice-is-merriam-websters-word-year-beating-out-lodestar-nationalism/

Stories about the Russia investigation and the Kavanaugh hearings kept the word in the public consciousness throughout the year, the online dictionary noted.

12/13/2018

Wishing you a Merry Christmas from my family to yours.
So grateful for my kids Katie & Russ and my dog Popper.

11/30/2018

Thank you Martindale Hubbell for the AV PREEMINENT Rating:

11/20/2018

On my way to Charlotte today- 🍃🍂🍁

11/13/2018

www.cnn.com

Amazon has free shipping for the holidays- what about those who paid for Prime membership:
https://www.cnn.com/2018/11/04/business/amazon-holiday-shopping-prime/index.htmlhttps://www.cnn.com/2018/11/04/business/amazon-holiday-shopping-prime/index.html

11/06/2018

I’m grateful for my clients-
Testimonial Tuesday:
Five star review
Review Score: 5

Review Feedback: Jillian is a professional Lawyer that I would use again. Everytime I needed some advice she was there for me.

11/06/2018

DC Woman Gets 6-Foot-Long Receipt From CVS

6 foot long receipt from CVS- I can relate

https://patch.com/district-columbia/washingtondc/dc-woman-gets-6-foot-long-receipt-cvs?utm_source=facebook.com&utm_medium=social&utm_content=virginia&utm_campaign=blasts

She reportedly only purchased three items.

11/06/2018

Imposters and Scams | Pepco - An Exelon Company

Don’t be fooled! I’ve been getting phone calls almost daily from this phone number 202-833-7500. I don’t even have a Pepco account. It’s reported as a fraud on the Pepco website.

https://www.pepco.com/MyAccount/CustomerSupport/Pages/ImpostersandScams.aspx

Pepco has seen an increase in reports of individuals calling Pepco customers and falsely claiming their electric or gas service will be disconnected unless payment is made. These impersonators instruct customers to buy a prepaid credit card and call back to a different phone number with the persona....

11/02/2018

U.S. Tax Court To Wesley Snipes: Pay The IRS

Tax Court ordered Wesley Snipes to pay the IRS

https://www.forbes.com/sites/kellyphillipserb/2018/11/02/us-tax-court-to-snipes-pay-the-irs/#e116b6a32ebc

Actor Wesley Snipes still owes the Internal Revenue Service (IRS) millions after the U.S. Tax Court has rejected his bid to reduce his tax debt.

11/02/2018

www.fanniemae.com

HAMP has ended but loan modifications are still available under the Flex Modification program

https://www.fanniemae.com/content/fact_sheet/fanniemae-flex-modification-fact-sheet.pdf

10/30/2018

Leesburg Patch

Passport office more accessible

Ever been in a situation where, say, you're invited to a function that's overseas and you realize you don't have a passport?

10/28/2018

4 ways to help kids establish credit

WHAT AGE CAN YOU BUILD A CREDIT SCORE?
I was talking to my daughter, age 19, this weekend and she said her credit score is in the mid 600’s. A favorable credit score is 700 or more. It occurred to me- what age can you start to build a credit score and what is the best way to do it? Now I don’t want to encourage college age young adults to get credit cards, but it may be important to have one low balance credit card, wirh a limit of $500 or less in order to establish your credit.

https://www.cbsnews.com/news/4-ways-to-help-kids-establish-credit/

Current regulations mean parents will likely have to lend a hand, but how exactly will depend on several things

10/22/2018

4 Effective Ways to Build Credit Without Going into Debt

If you want to build a credit score taking out a credit card and using it monthly and paying it off- is the best way to build a score

https://www.doughroller.net/credit/build-credit-without-taking-on-debt/

Building credit doesn't require taking on massive amounts of debt. Here are 4 ways to improve your credit score without loans or credit cards.

10/15/2018

Sears Reshaped America, From Kenmore to Allstate

Former retail giant and “everything” store fils bankruptcy-will they survive?

https://www.wsj.com/articles/sears-once-americas-biggest-store-collapses-into-bankruptcy-1539595803?mod=e2fb

Sears, a retail pioneer that shaped America’s 20th-century expansion, became distracted by shifting strategies until the internet and a CEO’s unorthodox strategies brought about its end.

09/28/2018

Lawyer vs. Debt Settlement Company: Which Should I Use?

When to hire an attorney for debt settlement:
https://www.nolo.com/legal-encyclopedia/lawyer-v-debt-settlement-company-which-should-i-use.html

If you need help negotiating with creditors, it's usually better to hire a lawyer or do it on your own, rather than hire a debt settlement company.

09/27/2018

IRS Repeats Warning about Phone Scams | Internal Revenue Service

The IRS will not call you to collect taxes, and they do not accept payment by phone, by PayPal, or google pay. https://www.irs.gov/newsroom/irs-repeats-warning-about-phone-scams

IR-2014-81, Aug. 13, 2014 — The IRS and TIGTA continue to hear from taxpayers who have received unsolicited calls from individuals demanding payment while fraudulently claiming to be from the IRS.

08/17/2018

Recording Phone Calls and Conversations | Digital Media Law Project

Can you record that phone call?
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations

If you plan to record telephone calls or in-person conversations (including by recording video that captures sound), you should be aware that there are federal and state wiretapping laws that may limit your ability to do so. These laws not only expose you to the risk of criminal prosecution, but als...

08/15/2018

The TCPA: Protection Against Robo Calls and Prerecorded Calls

Can you stop those annoying robo calls?
https://www.nolo.com/legal-encyclopedia/the-tcpa-protection-against-robo-calls-prerecorded-calls.html

The Telephone Consumer Protection Act (TCPA) places restrictions on robo calls and prerecorded messages made by telemarketers and debt collectors.

08/15/2018

Do you have too much money in cash?

Do you have too much money in cash?

07/26/2018

Me and my pup Brisa - a Portuguese Water Dog.