Legal Resources

The following are a list of helpful resources to assist you with the bankruptcy process:

CREDIT REPORT

Everybody is entitled to one free credit report each year from each of the three reporting bureaus. If you have not already done so, visit annual credit report to obtain your free credit reports.

The following links will connect you to the three major credit reporting agencies who can provide you with a copy of your credit report.

• www.experian.com/consumer
• www.equifax.com
• www.transunion.com/Personal/PersonalSolutions.asp

CREDIT COUNSELING REQUIREMENTS

Before you file for bankruptcy, you will have to take a Credit Counseling Course through a United States Trustee Certified credit counseling agency. We recommend Hummingbird for the credit counseling. Oliveros & O'Brien, P.C. is a registered user of Hummingbird, so remember to write down your control number so you don't have to pay Hummingbird for the counseling.

After you file bankruptcy, you will have to complete a Financial Education Course. Go back to Hummingbird for the financial education.

CREDIT SCORE

Information on the credit report is fine but the reality is that we have all been reduced to a number. Called a Beacon or a FICO score, you can learn all about it at:

• www.myfico.com

LEGAL RESEARCH

If you're a do-it-yourselfer or just want to stay abreast of the changing bankruptcy laws. More than enough information can be had at:

• www.abiworld.org

CAR VALUES

• Kelly Blue Book

"Kill all the Lawyers"

Shakespeare may have said it best, but some of these jokes come close. We all love to poke fun at Lawyers and Car Salesmen, especially lawyers (We hear Car Salesmen, don't have a very good sense of humor!) View the joke of the day at:

• www.megalaw.com/clock