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...
Minnesota residents have enough issues concerning bills past due without the phone ringing off the hook. Most people would pay their bills if they could. They don’t need someone calling them, insisting on payment and telling them what they owe every day. Many people...
Identity theft is a terrifying prospect, and unfortunately, all too common. In 2018 alone, 14.4 million people were victims of identity fraud in the United States. But surprisingly, of those 14.4 million victims, 3.3 million of them had some responsibility for the...
It’s not in your head – robocalls have become out of control in the last several years. In the U.S. alone, there were an estimated 58.5 billion robocalls in 2019, 44% of which were from scammers. While it’s already illegal in the U.S. to fake caller ID numbers or...
Most of us take small actions every day protect our finances and personal information. But the reality is anyone can fall victim to identity theft. After you’ve reported your case to both the Federal Trade Commission and your local police department, you’re probably...
Unlicensed lenders continue their illegal schemes, targeting and preying upon desperate Minnesotans. The illegal interest rates they offer have become a problem so much so that the Minnesota Department of Commerce once again is warning consumers to beware, be alert...
It is finally time. Maybe your car is finally broken beyond repair or your growing family means you have to move. You take the right steps to get preapproved for a loan before you shop, only to find out that something is wrong. Really wrong. A years-old debt marked as...
Most car loans include provisions in case you miss payments and eventually default on the loan. With a defaulted loan, the creditor generally has the right to take your vehicle to recoup their lost funds. A creditor may do this by selling the car outright, leasing it...
If you have ever been behind or unable to pay a consumer debt that you owe, you have probably had the unfortunate experience to deal with a high-pressure debt collector. At best, debt collector tactics are annoying, but at their worst, they can be unethical and, in...
We live in a hyperconnected world where information is currency and disinformation can scorch across the internet and social media. Confidential information is incredibly valuable to hackers and data traffickers who can leverage our most sensitive details into profit....