John and Jen Palmer are fighting the mother of all negative credit report records. The couple has decided to file a lawsuit against online retailer KlearGear for violations of the Fair Credit Reporting Act. Continue reading
Consumer Protection
What is a zombie debt collector?
Zombie debt collectors are not supernatural, but they can still give you a nightmare. These debt collectors specialize in buying the cheapest, most outdated debt on the market. They then use scare tactics to pressure you to repay the debt. Continue reading
How to File FDCPA Lawsuits
A debt collector has the right to pursue collection of an unpaid debt that is in default. A debt collector does not have the right to violate your rights, which are guaranteed by the Fair Debt Collection Practices Act (FDCPA). Continue reading
How to Sue Debt Collectors
Deciding to sue debt collectors can help you assert your rights against an overly-aggressive debt collector. Debt collectors routinely violate debtor rights that are protected by the Fair Debt Collection Practices Act (FDCPA). Sometimes suing them is the only way to enforce your rights, especially if you have been illegally harassed or threatened by a collection agency. Continue reading
GE Capital forced to refund $34.1 million to CareCredit borrowers
The Consumer Financial Protection Bureau (CFPB) announced that GE Capital Retail Bank will be providing refunds that could affect up to 1 million cardholders. At issue is the confusion surrounding deferred interest financing plans which consumer advocates claimed trapped unaware borrowers into high interest credit arrangements. Continue reading
Benefits and Qualifications for a Debt Management Program
A debt management program is one of the essential tools utilized by credit counseling organizations. It provides for a structured repayment of debt at favorable terms. You might pay a fraction of your normal interest payments, if you qualify. Continue reading
Auto Debt Consulting and Hope for Car Owners were Nothing but Scams
California companies Auto Debt Consulting and Hope for Car Owners LLC have been sued by the Federal Trade Commission for running vehicle loan modification relief scams. The crooks made false promises and reneged on their 100% money back guarantee. Continue reading
Tips for Charitable Giving
Giving is something that is very innate in human beings. Giving our time, money, and emotions make us feel good because we went out of our way to help someone in need or make the world a better place. Around 65% of American households give to charity and in 2011 Americans gave over $298 billion to charitable enterprises. This large amount of cash flowing freely out of the pockets of America’s individuals and businesses has also created a market of not so charitable organizations working to get their share of charitable gifts. While charitable giving is important to many Americans, there are some things that individuals should keep in mind when next looking to give. Continue reading
Security Credit Services and Jacob Law Group pay restitution for illegal fees and threats
A buyer of distressed debt and its law firm must repay $799,958 to debtors who were charged $18.95. This mandatory fee was charged for telephone payments, even though other types of payments did not incur the fee. Continue reading
Free Money: Too Good To Be True?
What would you say if I told you that there are not just thousands, but billions of dollars of what some would call “free money”? It sounds too good to be true right? In some ways it is, there is not just a giant pile of free money out there for anyone to claim. Unbeknownst to many however, there are billions of dollars of unclaimed money held by local, state, and even the federal governments. While this money is “free” in the sense it does not cost anything to receive, it is not as simple as anyone walking up to the government and holding their hand out for their share of “free money”. Continue reading
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