Residents of Vadnais Heights and the Twin Cities area of Minnesota may want to know more about new protection for consumers when it comes to medical billing. Health care sticker shock has been a popular subject on social media as surprise bills land in the mailbox of...
Firm News
What to do if your credit score was damaged as a result of identity theft
Although identity theft has been around for a long time, it is a relatively new phenomenon as a common occurrence in our society. With the increase of technology as an integral part of everyday life, people are more exposed than ever to the possibility of identity...
What Is Abusive Debt Collection?
Given the events of this previous year, many consumers have found that the loss of a job or change of personal circumstances has caused a negative impact on their economic status. Many are finding that these dire financial situations have led to increased credit card...
Be wary of calls telling you you’ve overpaid your utility bill
Have you received an automated call telling you that you’ve paid too much on your utility bill? The caller probably told you that you were eligible for a refund or a discount on your future payments. If all of this sounds a bit fishy, that’s because it probably is....
2020 is the best year ever . . . for debt collectors
This has been a year like no other. The pandemic has left more than 200,000 Americans dead and millions more without jobs. Schools sent students home and moved classes online. Businesses closed their doors, many of them permanently shuttered. Amid the pain, turmoil...
How is your credit score calculated?
Upon checking your credit score, you might feel concerned if it is lower than you expected. A healthy credit history is crucial in getting approved for – and securing a favorable interest rate on – a car loan, mortgage or another credit card. If your credit habits are...
IRS Warns of Top Scams in 2020
The extended tax filing deadline in 2020 has come to pass. Unfortunately, this also means an uptick in criminals trying to take advantage of consumers who filed their taxes. It is important to remember that the IRS never contacts taxpayers online, nor by calls, texts,...
Stopping creditor harassment for debts you don’t owe
It’s baffling to find yourself targeted by creditors for a debt you’ve already paid off or for a purchase you never made in the first place. Ideally, you’d be able to politely point out their mistake and put an abrupt stop to the matter. Of course, things are rarely...
Questions to ask a debt collector who contacts you
It doesn't matter if you're surprised to hear from a debt collector or you were expecting the call, nothing changes the fact that you have legal rights that you need to protect. If you don't know what you should and shouldn't do, it's possible that you'll make a...
What’s included in the Fair Debt Collection Practices Act?
Knowing that you owe someone money might bring up feelings of wanting to get them paid off as soon as possible. When the person you owe is a business or agency and you are unable to pay, you might end up having your account sent to a collection agency. Collection...