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Do Your Credit Reports Have Errors?

Check Your Credit Report


Negative errors

For rebuilding credit I place a lot of emphasis on adding positives to your credit reports (new, “paid on time” entries).  There are negatives on your reports too, but over time they have less and less effect on your score.  This is assuming all of the negative items on your report are correct, or even yours.  Yes, there is a very real possibility of mistakes.


The Law Offices of John T. Orcutt Offers $0 Money Down Bankruptcy in Western North Carolina

In our initiatives to serve all residents of North Carolina better manage their financial struggles in these unprecedented times, the Law Offices of John T. Orcutt is now offering $0 money down bankruptcy filings for residents of North Carolinathroughout the entire state.

Avoid Foreclosure by Getting Help with a Mortgage Loan Modification in North Carolina

North Carolina Mortgage Modification


The Covid-19 pandemic and subsequent shutdown has hit U.S. businesses and homeowners hard, but even before the pandemic, many North Carolina homeowners were struggling with mortgage loans and facing foreclosure.

The Law offices of John T. Orcutt are here to help you with a mortgage loan modification that can reduce your interest rate and lower your monthly payments. 

U.S. Houses passes HEROES Act including consumer protections

HEROES Act Passes

I would start with describing the HEROES Act as an opening bid in a negotiation with the Senate,  where Republicans and most Democrats are  substantially more cautious.  It is worth noting that this summary does not include the pro-bankruptcy provisions,  including the $100,000 homestead minimum regardless of state law,  the more general allowance of 84 months plans (but with a discharge still at 36 or 60 months),  etc.



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