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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

After Pay – Taking Over The World

A new app has been spreading like wildfire across the world. Afterpay is an internet retailer that brings together over 6,500 retailers into one shopping platform. They offer high-end cosmetics, clothing, accessories, and home décor products. It is advertising that shoppers can buy now, and pay later with four installments. The consumer is not charged interest unless they make a late payment. 

The company has found that 27% of millennials in Australia have used Afterpay and the numbers are skyrocketing across the world. There are already 2.1 million US customers and there are 12,500 new customers onboarded each day. Afterpay reports that the average outstanding balance is approximately $218 per customer and comparatively a credit cardholder has an average outstanding balance of $3,260.00. 

Afterpay joins a slew of other online retailers with similar platforms, some of which have their own specialties. 

When using these options, it is important to research the policies of these platforms and websites. Some may or may not run credit checks prior to financing purchases. Some have hefty fees and interest associated with late payments. The loans may or may not be reported to credit bureaus. 

Afterpay and other “buy now, pay later” options are very tempting to those with less access to credit. Many consumers tend to overuse these services by borrowing repeatedly. Afterpay reports that their average client makes repeat purchases up to 20 times a year. It is also very wise to compare the cost of the item when paying in full at the point of sale as opposed to financing in payments. Many of buy now pay later customers are willing to pay more than the item is worth if it means they don’t have to pay it all upfront. 

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

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