Posts by Micah Abigail LLC

Let’s talk about charge-offs — when to pay them, and when to pause before you do. 👀 Here’s the truth: not all charge-offs are created equal. Before you pull out your wallet, here’s what you need to know: 1️⃣ Check the age of the debt.Every debt has a clock — it starts ticking from the date of your first missed payment (aka the “date of…

Most people think all debt should be paid. That’s not true. And most people don’t realize that the Statute of Limitations is different in every state — and it affects more than just collections. At Micah Abigail LLC, this is something we review in every single consultation. 🔎 What Is the Statute of Limitations? The Statute of Limitations determines:…

Every month, clients ask us: “Will my credit card company accept my reason for missing a payment?” Most people are surprised by the answer. Creditors aren’t persuaded by personal stories — they respond to facts, documentation, and legal accuracy. Here’s exactly what works, what doesn’t, and how my team at Micah Abigail LLC fights for your credit. ❌ Reasons…

We wanted to share an important update about a new mortgage trend gaining attention nationwide: the proposed 50-year mortgage. Our CEO Micah Smith was recently featured on Fox Business, where she broke down the real risks behind these ultra-long mortgage terms and what they may mean for current and future homeowners. You can read the full Fox…

Most business owners we talk to are either stuck using personal credit to fund their business or they’ve signed up for an MCA — a merchant cash advance — because it felt like the only option. It wasn’t. It’s just the one they were sold. We actually just dropped a new episode of my podcast,…

I want to put something in your hands that you can use with every business owner client you work with. This morning I dropped a new episode of my podcast, Rebuild & Rise, where I sit down with Sterling, an SBA lending expert at Lendstra. We break down exactly what business owners need to know…

You came to us to fix your credit. And we’re doing that. But I want to make sure you know what’s waiting for you on the other side — because most of my clients don’t realize how far this work actually goes. This morning I dropped a new episode of Rebuild & Rise — my…

There’s a growing conversation happening in our industry around the proposed 50-year mortgage — and since this directly impacts buyers and sellers, we want to open the dialogue with you. Our team at Micah Abigail LLC was recently featured on Fox Business to break down the potential risks and market implications. As professionals in the field, your perspective is incredibly valuable.…

Today was a perfect example of why our company operates the way we do — and why our Full Power of Attorney program is one of the most powerful tools in the credit repair industry. Let me explain something most consumers — and even most credit repair companies — don’t understand: Credit bureaus make it intentionally difficult…