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Regulations Proposed to Make Abusive Debt Collectors Back Off Patients Receiving Hospital Care

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The U.S. Department of the Treasury just released proposed regulations on a provision in the Affordable Care Act that helps ensure access to financial assistance for patients of charitable hospitals and protect patients from abusive collections practices. Under the rules issued, charitable hospitals, as a condition of receiving tax-exemption, must establish billing and collections protections for patients eligible for financial ... Read More »

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 3 – Families and Couples

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Debt Relief Considerations If you have a spouse or a partner, it is very important to review each of your situations separately, to ensure that you both require the proposed solution. This is true for any debt relief related situation. Meaning debt settlement, credit counseling, bankruptcy, whatever. At Debt Relief A La Carte, I see this all too often. When ... Read More »

U.S. Government Teaches Kids to Save Money by Stealing Twitter Bird and Not Drinking Juice or Soda

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Kids.gov recently published these comics designed to teach kids all about learning ways to save money. The first is aimed at younger kids with an interesting message that you can buy stuff you really want if you use your own money. It struck me as an interesting message since it seems to be a tacit approval that you can buy ... Read More »

Rampart MMW Files Chapter 11 Bankruptcy Again With Homeowners

As I mentioned in What Kind of Racket are Rampart MMW and Omni Home Solutions Playing Around With?, a company named Rampart MMW said they were going to file their third chapter 11 bankruptcy in what appears an attempt to shield homeowners from foreclosure as some cost. The last chapter 11 bankruptcy case filed by Rampart MMW, Inc. before this ... Read More »

How Can I Afford a Used Car On a Beater Budget?

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Dear Dollar Stretcher, I’d like to get a good used car without going in the poor house! We have 3 school-aged children. Our old Ford pickup doesn’t have room for them. I wanted to spend $5,000 or less and don’t want car payments. Do you have any ides where to look besides the newspaper? Kevin S. Buying a good used ... Read More »

The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, Bankruptcy, and Debt Consolidation Loans

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This is a story that I’ve been working on for a few weeks. I’ve been asking people and groups for feedback and information to write this but what I’ve run into, is a wall. I have received some feedback from groups and people that don’t wish to be publicly identified to protect themselves but what I have learned has been ... Read More »

How to Get Out of Debt in Three Big Steps

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As a consumer debt expert I deal with questions from readers on a daily basis about how to get out of debt. It’s a short and simple question that becomes easily overpowered with a lot of emotions and information that clouds the issue. Getting out of debt can be broken down into these major steps: Understand How You Got Into ... Read More »

AVOID – Notice of Resolution Benefits Mailer

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A wonderful reader sent in a copy of a mailer they recently received that is labeled as a NOTICE OF RESOLUTION BENEFITS. The reader says when they called the number on the mailer, 866-417-0597, the company that answered identified themselves as J & D Associates. Our dear reader was perplexed why they got this mailer to begin with since their ... Read More »

Tim Gibbons & National Employee Benefits Group – Again

A tipster (send in your tips here) has just sent me an interesting document on a company, National Employee Benefits Group. I wrote about National Employee Benefits Group and it’s managers and/or owners before in Debt Relief Companies of Tim Gibbons and Jennifer Yoffe Not What They Seem. In the comments to that article, Tim Gibbons went ballistic and claimed ... Read More »

Negotiating a Debt Settlement With a Debt Collector

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Are you in collection and want to negotiate with the debt collector to settle your debt for less than you owe? This video will show you how to do it with great advice from my friends, Gerri Detweiler and Michael Bovee. We talk about the best time to settle a debt with a debt collector and how much to expect ... Read More »

Law School Grads Become Hopeless Economic Slaves to Their Student Loans and Poor Opportunities

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Remember all those people that wanted to go to law school to make a ton of money, and help people as well. The way it looks now the trend in lawyers being able to find jobs is slipping. Paul Campos, a Professor of Law at the University of Colorado says that only one in three is able to find gainful ... Read More »

What Kind of Racket are Rampart MMW and Omni Home Solutions Playing Around With?

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A reader sent me in the following alleged email they wanted me to see from Omni Home Solutions. It creates a mystery that I spent a few moments looking at and on the surface it is a bit perplexing and dare I say it looks like an approach to try to protect people’s home from foreclosure by lumping it in ... Read More »

Mortgage Company CFO Sentenced to 60 Months in Prison

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Delton de Armas, a former chief financial officer (CFO) of Taylor, Bean & Whitaker Mortgage Corp. (TBW), was sentenced today to 60 months in prison for his role in a more than $2.9 billion fraud scheme that contributed to the failure of TBW. De Armas was sentenced June 15, 2012 by U.S. District Judge Leonie M. Brinkema in the Eastern ... Read More »

What Can We Do About Threats From Ford Motor Credit? – Marvin

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“Dear Jon, My wife and I have been struggling to pay bills due to her employment situation. She has been unemployed and currently works part time. Ou home have been modified and we just is barely making ends. We were excellent customers with Ford Credit until she lost her job. The account manager have been harassing us calling my wife ... Read More »

Title Loan Lender Fast Auto Loans Sued in WV

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In an effort to protect West Virginians from the abusive and unlawful harassment and triple-digit interest rates of a predatory out-of-state title loan company, West Virginia Attorney General Darrell McGraw today filed suit in the Circuit Court of Jefferson County against Virginia-based Fast Auto Loans, Inc., its parent company, Community Loans of America, headquartered in Atlanta, and its owner Robert ... Read More »

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