Even though there are dozens of laws on the books that are designed to protect consumers from predatory lending, this sort of thing still happens. Mortgage lenders, credit card companies, and car dealers may try to take advantage of people, using a variety of unethical means, and many of them are never caught! Too often, […]
Read moreIn today’s world, there are more threats to your financial stability and your credit score than ever before. With emerging technologies and the ease of sharing information online, those who wish to do you harm have relatively open access. Each year, millions of Americans have their identities stolen, their credit cards used fraudulently, or end […]
Read moreFor those who are struggling financially, consumer bankruptcy may be something to consider. Filing for Chapter 7 bankruptcy may provide a clean slate and a strategy to move forward to regain your fiscal freedom. However, in order to qualify for filing, you must pass something called the “means test,” which is a basic assessment of […]
Read moreFor the vast majority of adults, the credit score is a key element in their quality of life. This 3-digit number can determine a great many things, including housing, transportation, and employment. And while most people have a rudimentary understanding of what a “good” credit score would be, they don’t understand all the factors that […]
Read moreThousands of people will file for bankruptcy in Los Angeles each year, and many of them will go on to live happy, successful lives. Some of them, however, won’t learn from old patterns, and may need to file bankruptcy again in the future. What your life looks like after filing bankruptcy is largely up to […]
Read moreWe live in a world unlike anything we could have predicted. We shop from electronic devices, keep all of our money on plastic cards, and can buy or sell anything anywhere in the world! While our modern technology and 24/7 connectivity can be wonderfully convenient, it does come with its dangers. Whether you are transferring […]
Read moreIn today’s age, an individual’s credit rating says a lot about them. People look at your credit scores when determining eligibility for lots of things, including car loans, home mortgages, employment opportunities, and more. Thus, protecting your credit, and working to improve your score, is a worthwhile endeavor. Since there are many different factors that […]
Read moreThere are dozens of different laws on the books today, which are designed to protect consumers from a financial point of view. These laws cover things like credit reporting, debt collection, and legal types of communication between individuals and companies. One of these laws is the Truth in Lending Act, or TILA, which was passed […]
Read moreMany people, at some point in their lives, will find themselves in a desperate financial situation. Some of them turn to credit counselors, apply for public assistance, or other strategies, which may help them get on their feet again. However, one option that some people may be eligible for, but may not think about, is […]
Read moreAnyone who has dealt with a credit card company or debt collector probably knows the unique stress and frustration that comes from these interactions. Addressing things like money, debt, and credit scores can be a challenge, particularly when the debt industry as a whole is very intimidating. Whether or not you’ve ever filed a formal […]
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