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Spousal Guarantees | Raleigh Law Firm

Obviously, creditors would like to obtain as much security as possible prior to making a loan, but it is also important to keep in mind the Equal Credit Opportunity Act (ECOA). For anyone not familiar with the ECOA, it is a federal law that prohibits lenders from discriminating against borrowers based on their race, religion, national origin, sex, or marital status. So, in what instances may a creditor obtain a …Read More

Are Customer Payments Coming In Slower Today?

While talking with business clients about customer payments, there is a common thread beginning to appear. Customers are taking longer to pay their accounts. These are not the financially risky or new customers. These are the financially strong long term customers. Many companies are starting to stretch out their payment terms with their suppliers. Many times, the customers are adding weeks to the payment terms in order to use these …Read More

Contracts: To Avoid Risks, Plan, Review and Be Precise

Whether it’s buying a home, applying for credit or accepting a new job, people and businesses are drafting and executing contracts every day. Often, these contracts are not understood by the individuals signing them and perhaps not even read. Even lawyers such as this one have signed (or clicked) without reviewing all of the fine print. Nobody likes reading through all that legalese, but when we enter into agreements that …Read More

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