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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

The Fico 10 T Update

Every few years FICO updates the system it uses to evaluate a consumer’s creditworthiness. Lenders have been urging FICO to alter the system in order to find more borrowers. The updates also are designed to reflect recent changes in borrowers’ spending habits and consumer trends. Whether a borrower uses the FICO scoring system or competitors like VantageScore, Equifax, Experian, TransUnion, etc. is entirely up to the lender. 

The new FICO score will weigh more recent missed and late payments over older delinquencies. Borrowers with missed and late payments in the last two years will likely see their score drop. If the missed or late payments are older than two years, the score may rise. Borrowers with a heavy utilization rate will also experience a more significant hit under the new system. FICO is also intending to place more weight on personal loans and debt consolidation loans than it has in the past. 

For more information contact your Stockton bankruptcy attorney at (209) 438-4990. 

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