mar. law. Creeks are of two kinds, viz. creeks of the sea and creeks of ports. The former sorts are such little inlets of the sea whether within the precinct or extent of a, port or without, which are narrow little passages and have shore on either side of them. The latter, Viz. breaks of ports, are by a kind of civil denomination such. They are such, that though possibly for … [Read more...]

There are three major credit bureaus, Equifax, Experian and Trans Union, regulated by the federal Fair Credit Reporting Act, that collect and sell information about the credit history of people and entities. The credit reports are used by banks and credit card companies (and others in the practice of lending) to screen applications for reliability and ability to pay debts. … [Read more...]

The ability to pay outstanding debts outside of a bankruptcy proceeding and where an counselor assists the debtor with credit and financial management. Bankruptcy laws now require a debtor to undergo credit counseling with an approved counselor prior to filing for bankruptcy. … [Read more...]

See credit report … [Read more...]

A borrower may be required to purchase insurance to cover a loan in the event the borrower defaults, such as if the borrower dies or becomes disabled prior to payment of the loan. Federal and state consumer protection laws require disclosure of such terms as this included cost changes the nature and cost of the loan for the borrower. … [Read more...]