A daily frustration new clients tell us about is the constant calls and letters from creditors. No matter how often you tell creditors, “I do not have the money,” or “I will pay you as soon as I can,” they continue to call and contact you. It’s never okay for creditors or debt collectors to […]

Are you overwhelmed by debt? No matter how careful you are with finances, life circumstances can lead you to a place of substantial financial trouble. How can you end the cycle? If you find yourself in debt and are harassed by aggressive debt collectors, you have options. Pay Off the Debt One way to get […]

What to do If You Have Become a Victim of Identity Theft? NOTIFY THE POLICE OR SHERIFF’S OFFICE:  If you believe that your identity has been fraudulently used by another person without your consent, contact your local Police Department or Sheriff’s Office to file a criminal report.  Document the names and phone numbers of everyone […]

In the United States a variety of laws at both the federal and state levels regulate consumer affairs. Among them are the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Telephone Consumer Protection Act. Federal consumer protection laws are mainly enforced by the Federal Trade Commission, the Consumer Financial Protection Bureau, […]