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....
In a digital society, it is nearly impossible to avoid unwanted calls. It is rare for the average Minnesotan to be without a cell phone; therefore, the ringing or buzzing of a call from an unknown number is an inevitable occurrence. But who are these calls from? And...
If you've ever tried to qualify for a credit card or a personal, car or home loan and have been denied for it, then it likely has something to do at least in part with the negative information contained on your credit report. If you're wondering how long your bad...
You shouldn't have to worry about your car being picked up by the repo agent if you've made timely payments on your car loan. Vehicles sometimes get repossessed even when borrowers pay on time though. While this often happens because of computer glitches or bad...
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...