When someone has a considerable amount of debt, they are likely to be under a lot of stress and pressure. Trying to make ends meet while also keeping up on bills is never easy, but harassing debt collectors does not make things any easier. Debt collectors will try...
If you're applying for a job in Minnesota, potential employers might choose to do a background check. They must follow specific regulations while doing so. Before the background check Potential employers are not permitted to perform a background check without first...
Having a good credit score helps consumers in Minnesota financially by increasing chances of loan approval and better rates. However, any errors on a credit report may get them denied or higher interest rates. The Fair Credit Reporting Act gives consumers protection...
Minnesota residents may be getting fewer robot calls soon thanks to the Pallone-Thune Telephone Robocall Abuse Criminal Enforcement and Deterrence Act, or TRACED Act. The government updated the original Telephone Consumer Protection Act. Why the legislation was...
When those struggling with debt seek bankruptcy, one of the benefits of bankruptcy is getting an automatic stay, where debt collectors can’t call until the bankruptcy is resolved. If the debtor receives a Chapter 7 bankruptcy, most likely, nearly all of their debt...
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...
Every year, hundreds of people in Minnesota are victims of identity theft. If it's not caught in time, identity thieves can drain your bank account, run up your credit cards and tank your credit score. For this reason, it's important to monitor your bank and credit...
Many homeowners in Minnesota receive robocalls, which are autodialed calls, and automatic text messages mostly from telemarketers attempting to sell products or services. The callers usually do not have permission to send these pre-recorded messages. The Telephone...
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....
Consumers and debt collectors have both been waiting for several years for the Consumer Financial Protection Bureau (CFPB) to issue its debt collection final rule. The 653-page rule clarifies bans on harassment and abusive debt collections, false or misleading...