People take on debt for a variety of reasons. In some cases, people slowly but intentionally accumulate debt through credit card use. Other times, their debts are a result of an unanticipated experience, such as a car crash or a violent crime that leaves them injured....
Billions of people receive robocalls. A robocall is a prerecorded message that tries to sell products, advertise services or steal personal information, such as a person’s social security number, banking account or tax information. People should know that robocalls...
Debt collection is a big business, and consumers often feel powerless when facing debts that they cannot repay. Thankfully, there are numerous federal laws limiting the activity of creditors and the collection agencies they hire in order to better safeguard the rights...
Imagine that you hear the sound of a truck outside, and you look out to see your car being repossessed from the street in front of your house. You can’t believe it. You’ve heard about repossessions on television, but you never thought it would happen to you. As far as...
In the digital era, unwanted robocalls have become an unfortunate reality. Unwanted robocalls have plagued individuals and households for years. These automated phone calls, often generated by machines, inundate phones with pre-recorded messages or connect to...
Navigating the world of debt collection is often overwhelming, especially when you're unsure if the debt in question is yours. Sometimes, creditors might contact you about a debt that doesn't belong to you or is inaccurately reported. Federal laws, specifically the...
There are rules about what debt collectors can and cannot do to get people to make good on their financial obligations, and some of their practices come very close to violating those rules. Creditors and the collection agencies that they hire should not engage in the...
Identity theft happens when someone’s personal information, such as a license, home address, credit card, name or Social Security Number (SSN) is stolen. Thieves often take people’s personal information for financial reasons. Personal information is usually stolen to...
An individual's driver's license may be an individual’s only real form of state identification. Most people do not carry passports or Social Security cards with them on a day-to-day basis, but carrying their driver's license is necessary whenever they are in a...
If you have lost your car due to a repossession you consider unfair, then you might wonder if there is anything you can do, or if that is the last you will see of the vehicle. Firstly, you need to remember that fair is a subjective term. The lender that took the car...