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With the economy gaining momentum, the financial meltdown of ’08 seems like a fading memory. Unfortunately, for anyone unable to keep up on all their bills during the lean years, it only takes a letter from a collection company to bring it all flooding back. And there is nothing like a collection lawsuit to force […]
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So you took out student loans to pay for college? You aren’t alone. Over 40 million Americans have at least one student loan. Currently student debt totals over $1.2 trillion nationwide. With the average college student graduating with nearly $30,000 in loans and many with significantly more, student debt is rapidly becoming a national crisis. […]
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19 Feb '15
It’s time to talk about the Telephone Consumer Protection Act. The Telephone Consumer Protection Act of 1991 (TCPA) is a federal law that restricts telephone solicitations “telemarketing” and the use of automated telephone equipment. The TCPA limits the use of auto dialing equipment “robo-calls,” artificial or prerecorded voice messages, fax machines and birthed the national […]
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Clean up your credit report now or it will cost you. Even small blemishes on your credit report can have big financial consequences. When it comes to getting a loan, your credit score is everything. It will influence the interest rate you pay, the size of the down payment, or whether you get the loan […]
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26 Sep '14What ever happened to the Repo Code? The New York Times recently ran a disturbing article discussing the increasing use of GPS tracking and “ignition interrupt devices” by sub-prime lenders and auto dealers to “encourage” borrowers to make their payments on time. Essentially, lenders install a device in a car that will track its location […]
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6 Questions You Need to Answer About Your Repossession. A month ago Carl woke up to find his car missing from his driveway. A note on his door informed him his car had been repossessed due to lack of payment. Carl was flabbergasted. Sure, his payments were late on occasion and there were a few […]
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How to Dispute Errors in Your Credit Report So you followed my advice and requested a copy of your credit report. You were surprised to find things that didn’t belong there. You’re not alone. Last year 60 Minutes reported that as many as 40 million Americans have at least one error on their credit report. […]
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Being served a summons and complaint can be a very stressful experience. Chances are this is your first experience with the legal system. Undoubtedly there are a number of questions running through your mind. This post will attempt to answer those questions and explain what options you have at this point. What is a Summons? […]
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14 Jul '14For the members of today’s military no personal sacrifice goes unpunished. Deployments, frequent relocations and a steady paycheck make our service men and women prime targets for high interest loans, identity theft, credit reporting errors, automobile fraud and countless other unscrupulous scams. In an effort to promote awareness of consumer issues facing our men and […]
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You Are More Than a Number… But You Aren’t. Aside from your social security number, your credit score may be the most important number in your life. It can affect where you live, what you drive, even where you work. The score is based on your credit card and loan payment histories, outstanding debts and […]
