Debt Arbitration

Debt Arbitration & Negotiation Services

By Bill Fay | May 31, 2018

Debt collection arbitration is a process for resolving unpaid debt that is seriously, sometimes hopelessly, in arrears. If being desperately and deeply in debt describes you, and settling up for…

Credit Unions written on a computer screen

Credit Unions

By Bill Fay | May 24, 2018

Credit unions are nonprofit organizations that provide members the same financial services as banks, but without the emphasis on making money. The 115 million Americans who belong to credit unions…

Credit Card Interest with many cards

How is Credit Card Interest Calculated?

By Bill Fay | May 24, 2018

Interest rates and credit cards have a powerful — and potentially explosive — relationship in the U.S. economy. Interest rates are the economic fuel that makes credit card companies so…

Top 13 Ways to deal with creditors - Infographic

13 Ways to Deal with Debt Collectors & Agencies

By Max Fay | May 20, 2018

The debt collection industry generates $11 billion a year from the 70 million Americans who haven’t or can’t pay their bills. Debt collectors get most of their revenue from people…

Improve Credit Score

How to Increase Your Credit Score

By Bents Dulcio | May 18, 2018

There are a lot of tips and tricks on improving your credit score – and we’ll get to those in a moment – but nothing will raise your credit score…

Paperwork for Charge offs on table with calculator

What Are Charge-Offs?

By Max Fay | May 7, 2018

If you are struggling to make payments on credit accounts, receiving a message like this – “Your account has been charged off!” – might sound like the answer to your dreams. It…

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…