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...
Are you one of the many plagued by constant robo and other unwanted telephone calls? If so, you may think you have zero options to stop these calls, but that is not the case. In 1991, Congress enacted the Telephone Consumer Protection Act (TCPA) to protect citizens...
There are numerous federal rules that specifically limit the kinds of efforts that businesses can make to collect on different types of debt. Typically, those who pay their debts in full or reach a settlement agreement with a creditor won't have to worry about future...
When you are a candidate for a job or promotion, your prospective or current employer may conduct a background check. They will want to obtain more information about your employment history, credit report, criminal records, driving records, bankruptcy compensation,...
Your credit report is very important because it tracks your financial activity and builds up a history for lenders to consider. They look at your credit score when deciding if they’re going to give you a loan or not. In some cases, this can impact the chances that the...