Month: April 2015

Working on improving your credit?  Boosting your credit can be as simple as understanding how a your credit score works and what to do to maintain good credit.  1. Maintain a good credit score.  Credit scores can improve and change over time.A credit score is a number assigned to you ranging from 300 to 850 that […]

If you have ever been late on a student loan payment, then you know that the Department of Education uses collection agencies to collect its debts just like any other company.  If you have ever been the recipient  of student loan collection efforts, then you know that collection agencies can be pretty ruthless in their […]

Being contacted by a debt collector can be a scary and definitely intimidating confrontation.  Consumers often times get nervous and agree to things that they would not normally agree to had they not been under duress.  A common request of collectors when a consumer pleads an inability to pay is a demand for post-dated checks […]

It’s been a fairly regular complaint of consumers that they can’t seem to get a decent credit score because they have no credit.  Well, complain no more….in the next several months FICO score announced a program it will pilot that will include bill repayment history for utility bills, making it easier for millions of Americans […]

In recent years, the consumer industry has seen a great emergence of claims filed by consumers under the Telephone Consumer Protection Act (“TCPA”).  This statute was designed to protect consumers from unsolicited communication by limiting the use of automatic dialing systems, artificial or prerecorded voice messages, text messages and fax machines. While the statute is […]