Debt

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…

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…

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.…

Most people have a cursory familiarity with the concept of the statute of limitations. Essentially, the statute of limitations states sets an expiration date for when someone can be tried for a crime. Failure to initiate prosecution by the time the statute of limitations expires renders the as “expired” or “un-prosecutable.” The same principle exists…

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,…

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…

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…

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,…

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,…