FDCPA Fair Debt Collection Practices Act book on a table

Fair Debt Collection Practices Act

By Bill Fay | May 7, 2018

The calls came like clockwork, several times a week just as the Pinkuses were heading for bed. Each time, it was the same: a threatening voice with an even more…

One out of three American adults – 77 million people — have credit files that show debts in collection.

Debt Collection Agencies and Your Rights

By Bill Fay | April 30, 2018

It’s easy to get behind on paying the monthly bills. The economy may have slowed your ability to generate income, your investments may have dwindled, or perhaps you had an…

Women with bad credit going to nonbank to borrow money

Nonbanks Fill Demand from Borrowers with Poor Credit

By Bill Fay | April 25, 2018

The era when almost anyone with a pulse could get a loan or mortgage from a commercial bank ended with the financial meltdown of 2008. Today, tightened regulations and a…

New & Used Car Loan Options

Auto Loans

By Maureen Milliken | April 12, 2018

You’re in dire need of a vehicle but don’t have the cash to buy it outright. The thought of financing a car loan has your wheels spinning. There are many…

Consolidation Calculator

Debt Consolidation Calculator

By Bents Dulcio | April 6, 2018

Debt consolidation lets borrowers combine multiple credit card debts into a new loan, a new credit card, or a debt management program. A loan calculator can help you determine if…

Loan Agreement between two parties

What Is a Loan Agreement?

By Bill Fay | April 6, 2018

Few people sail through life without borrowing. Almost everyone needs a loan to buy a car, finance a home purchase, pay for a college education, or cover a medical emergency.…

Debt Collections Harassment

Debt Collection & Creditor Harassment

By Bill Fay | March 15, 2018

The definition of debt collector harassment is to intimidate, abuse, coerce, bully or browbeat consumers into paying off debt. This happens most often over the phone, but harassment also could…

The garnishment process can be complicated, we will help you navigate some of the terrain

Garnishment Process

By Max Fay | March 15, 2018

Wage garnishment is a subject people want to avoid talking about, but if your wages are being garnished that is exactly what you should be talking about. Wage garnishment is…

The advantages and disadvantages of personal credit

Personal Lines of Credit

By Bill Fay | March 15, 2018

A line of credit is a pre-approved loan that allows you to get money when you need it and not all at once. These credit lines are sometimes backed by…

Warning Card Interest Rates Up

Interest Rates Increasing on Credit Cards

By Bill Fay | January 22, 2018

American consumers owe a record $1.023-trillion in revolving credit – mostly through credit-card debt – and with interest rates expected to rise in 2018, financial experts predict the problem will…