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Credit Cards

Beware this new type of credit card offer!

Beware this new type of credit card offer!

Can you spell "No Grace Period"? Pay the card in full on time, still get charged interest! What's that about?

(more…)
Malcolm Ruthven November 11, 2014November 10, 2014 Credit Cards, Uncategorized No Comments

My credit card company "wrote off" my debt. Can I stop worrying about it?

That's a common question that people ask me when they contact me to discuss bankruptcy. The short answer is "No". We'll look at why that is so in this article. (more…)

Malcolm Ruthven August 11, 2014August 10, 2014 Credit Cards No Comments

Are you paying off credit cards with your retirement funds or home equity?

If you're paying off credit card balances using money you've taken from your retirement account or received from a home equity loan, you're entering dangerous (financial) territory. Let's take a look at this. (more…)

Malcolm Ruthven December 17, 2012July 10, 2017 Common Mistakes, Credit Cards No Comments

Can you afford to keep paying on your credit cards?

If you're paying the minimum payments on your credit cards each month and have no money left over, barely scraping by, you may be short-changing yourself and your family. See if the money you spend each month paying on your credit cards causes you to be in one or more of the following situations. (more…)

Malcolm Ruthven June 16, 2012May 14, 2014 Common Mistakes, Credit Cards No Comments

Be careful of offers for a new credit card (#2)!

Last year I wrote about offers for credit cards that remove them from consumer protections provided by the "Card Act" of 2009 (article). This time I'm warning you about offers for credit cards that trick you into repaying debts that are older than the period for the statute of limitations. (more…)

Malcolm Ruthven December 31, 2011April 18, 2013 Credit Cards No Comments

Be careful of offers for a new credit card!

Banks are sending offers for "professional" credit cards that do not qualify for the consumer protections provided by the "Card Act" of 2009. Those protections were intended for you but you won't get them with these credit cards. (more…)

Malcolm Ruthven August 30, 2010August 30, 2010 Credit Cards No Comments
Hello! I'm Malcolm Ruthven, a California bankruptcy lawyer serving Marin, Sonoma, San Francisco, Napa, Solono, Alameda, Contra Costa, and San Mateo counties. Explore this website and see what a Fresh Start might mean for you.

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