Fight Back! Your Guide to Defending Against an American Express Lawsuit If you’ve received a lawsuit from American Express, you might be wondering what to do. If so, you’re not alone: American Express is one of the most aggressive credit card companies when it comes to collecting debt, and they’re known for suing their customers […]
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Have you received a letter from a collection company? Debt collectors are very persistent and quick to sue when it comes to late repayments. Unpaid debt is really bad for your credit score and most people find the constant back and forth with debt collectors to be very stressful. However, it is within your interests […]
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Debt collectors have to follow specific rules when they collect debts. These rules are set by the Fair Debt Collection Practices Act (FDCPA). The FDCPA was created to curtail unfair treatment of consumers by debt collectors.  It ensures that debt collectors don’t harass, threaten, or lie to you when they try to collect payment. By […]
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Debt Management Plan vs. Debt Settlement If you are filing for bankruptcy or cannot keep up with the repayments on a loan, you might be looking into setting up a debt management plan. However, debt settlement is another option which a debt lawyer will often recommend to clients instead. In this article, we help you […]
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If you can no longer keep up with repayments for your boat or RV, the lender is likely to take control of your asset. Repossession can happen very quickly and the lender doesn’t even need to notify you of their arrival. However, you likely know this already and need to figure out what to do […]
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Co-signing on a child or loved one’s private student loan is a big decision. It’s a common occurrence because young people in particular will not have the necessary credit history to qualify for a loan by themselves. But there are serious risks involved for the co-signer and you might even need a debt relief attorney […]
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How Common are Credit Report Errors? Credit reports can affect many aspects of our lives such as buying a car or applying for a mortgage. Credit reports are used by lenders to determine our credit suitability and financial situation. Despite the importance of credit reports, credit reports are often inaccurate and contain errors. But exactly […]
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Here’s What You Need to Know When Being Sued for Debt Receiving a lawsuit for unpaid debt can be a stressful and overwhelming experience. Understanding your rights and options when facing a debt collection lawsuit is essential to protect your financial future. In this article, we’ll explore some key things you need to know when […]
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Current Average Credit Card Debt Credit card debt is on the rise and the Federal Reserve says this past year saw the biggest jump in credit card debt for over 20 years. With inflation and interest rates also rising, more and more people are struggling to pay bills and turning to credit cards as a […]
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How to Navigate a Legal Debt Collection We’ve all been there – stressful moments when dealing with legal debt collection. The calls and letters can be overwhelming, but it’s important to take the right steps and know your rights in these situations. With the right information and understanding of what is legally allowed, you can […]
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Why You Should Check Your Credit Report At Least Once A Year Your credit report is an important tool lenders, creditors, and other financial institutions use to determine your creditworthiness. A good credit report can help you secure loans, credit cards, and other financial opportunities at favorable rates and terms.  In contrast, a poor credit […]
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Are you thinking of getting a HELOC? Easy access to funds might sound appealing and a home equity line of credit is a quick way to secure funds. However, there are certain risks associated with a HELOC that can leave you with a lot of debt, payments you cannot afford and too much stress to […]
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What to Do if You’ve Been Sued by Credit Card Company in Arizona Being served with a credit card lawsuit is not fun.  The process server usually serves you at your home or place of business when you aren’t expecting it.  It can be very stressful to deal with being sued by your credit card […]
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