Debt

Top 5 Expenses Destroying Your Budget

Whether it’s managing debt or being able to keep your finances in order, having an organized budget is essential. One of the best ways to improve your budgeting is to eliminate expenses that are no longer necessary.  By focusing on the parts of your budget that are drains on your overall solvency, you’ll be better…

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Overcoming 30k in Credit Card Debt

For Americans, dealing with debt is an all too familiar dilemma. Whether it’s student loans, personal loans, or credit cards, debt comes in many forms. With the majority of all three living American generations buried under mountains of debt, having a solution to deal with this issue is essential. Among the hardest forms of debt…

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What to Look for on Your Credit Report

One of the most nerve-wracking aspects of a credit report is the moment between clicking “review” and waiting for when the report is generated. Whether you have good or bad credit, a credit report can always overwhelming, especially when it comes to figuring out what actually matters on the document. It’s essential that before you…

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Hospitals Blame Insurance Reform for Rising Debt

Debt is a familiar problem for most Americans. Among the three eldest living generations, the Baby Boomers, Gen X’ers, and Millennials, all three groups are vastly indebted as a whole. From credit cards to mortgages to student loans, most Americans in debt do what most Americans in debt typically do: they stop paying their bills.…

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How to Dispute an Assigned Debt

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the actions and practices of third-party debt collectors who collect debts on behalf of companies or people. Debt collectors have several rules they must follow per the FDCPA, which is why your FDCPA dispute rights are invaluable. When you dispute a debt,…

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The Top Five Lies Debt Collectors Tell

Are you afraid of what a debt collectors might tell you? It’s understandable to be apprehensive when one of them calls, but don’t give into their pressure tactics. Their job is to get you to pay an overdue debt. While the Fair Debt Collection Practices Act (FDCPA) restricts what they can do, some collectors may…

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Five Myths About Debt Collectors

If you find yourself mired in the world of debt collection, you are likely to hear a lot of comments by people who may or may not know what they’re talking about. If you go online and do a search, you’ll find the same thing, as well as lots of books, articles, pins, and other…

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Stopping Neighbor-Spoofing Robocalls

You’ve probably answered a call at least once with a phone number that looked local–probably very close to your own–only to be greeted with a recorded message for any number of unwanted products or services. You’ve answered the next-gen version of telephone scams: Neighbor Spoofing Robocalls. Your Neighbor Is Not Calling Unlike most phone-based scams,…

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Statute of Limitations for an FDCPA Claim

What do you do if you get a call from a debt collector for a debt you don’t remember, still can’t pay, or one that you paid off long ago? Check the date on it. If the debt is over 4 years old, there is a good chance that the statute of limitations has expired,…

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The IRS Outsources Debt Collection, Hurts Working Class

After years of telling taxpayers that they would never call about an overdue tax return or tax bill, things have changed. Now, you could actually get a call from a collection agency for an outstanding tax debt. The IRS has begun to outsource collection of some older debts to four private debt collectors (PDC). The…

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