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  Do Seniors Need Debt Settlement or Debt Management?

  By Eric Olsen HELPS Nonprofit Law Firm Whether you’re relaxing in front of the TV set or working in front of the computer screen, it’s hard to miss advertisements for so-called “debt settlement” and “debt management” companies....

  • Posted April 10, 2019
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  Irvine California Employee Spills the Beans on Student Loan Assistance Efforts to Deceive Consumers

  I received the following tip from an alleged employee of an Irvine based student loan assistance company. Tip I worked for one of the largest Federal Student Loan Consolidation companies in Irvine, California. The processing department managed...

  • Posted April 3, 2019
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  Thrive Matching Rolls Out System to Use 401(k) Funds to Help Retire Student Loan Debt

  I am an avid reader of the getoutofdebt.org newsletter. Just today, I read your article on the student who tried to smuggle cocaine into the U.S. to pay off his student loans. It was heart-wrenching, mostly because...

  • Posted April 1, 2019
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  Quick and Easy Fix for Your Failed Trust Deeds

  Trust Deeds are a legally binding agreement in the UK between you and your creditors to make set repayments over a period of four years. At the end of this period, your unsecured debts would typically be...

  • Posted February 14, 2019
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  The (Modest) Rebound in Manufacturing Jobs

  The United States lost 5.7 million manufacturing jobs between 2000 and 2010, reducing the nation’s manufacturing employment base by nearly a third. These job losses and their causes have been well documented in the popular press and...

  • Posted February 4, 2019
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  A Look at Borrowing, Repayment, and Bankruptcy Rates by Age

  Household debt balances increased in the third quarter of 2018, a seventeenth consecutive increase. Total debt balances reached $13.51 trillion, a level more than 20 percent above the trough reached in 2013, according to the latest Quarterly Report...

  • Posted November 19, 2018
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  Are Collections on Credit Reports Out of Control?

  Household debt balances continued their upward trend in the second quarter, with increases in mortgage, auto, and credit card balances, according to the latest Quarterly Report on Household Debt and Credit from the New York Fed’s Center...

  • Posted August 14, 2018
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  10 Lesser Known Benefits of Credit Cards

  The average indebted American household owes over $15,000 which means if you’re one of the few who is not saddled with a mortgage, student loans, or credit card debt, consider yourself lucky. For those of you who...

  • Posted June 25, 2018
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  Warning: Boring But Important Look at Secret Consumer Arbitration Waivers

  Here is a very interesting but technical post from the folks over at Level Playing Field on the use of secret arbitration waivers consumers are bound to but don’t have access to until it’s too late. Some...

  • Posted April 11, 2018
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  Should Seniors be Worried About a Judgment Lien?

  By Eric Olsen Executive Director HELPS Nonprofit Law Firm A senior couple recently contacted me. They were served with legal papers for around $5000 for an old credit card they owed. They had never been sued before....

  • Posted February 28, 2018
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  Your Valentine Isn’t Keen on Adding to Your Debt

  Despite reports of near record-high spending for Valentine’s Day, a new Debt.com survey finds most people are not interested in their partner going into debt to get the perfect gift. In fact, almost half of survey respondents...

  • Posted February 14, 2018
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  Ameritech Financial Warns Federal Student Loan Borrowers Against Strategically Defaulting

  For some people, defaulting on their federal student loans may feel inevitable. For others, it may be a choice. While that choice may be fruitful (though still not advised) in other industries when bankruptcy or settlement becomes...

  • Posted December 14, 2017
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  Who Is More Likely to Default on Student Loans?

  To better understand the determinants of student loan default, we ask the following questions in this blog post: Do default rates differ by college type? How do default rates of dropouts compare to those of graduates, and does this...

  • Posted November 20, 2017
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  Military Servicemembers Get Hosed by Student Loan Servicers

  The Consumer Financial Protection Bureau has put out information that does a great job illustrating how badly military servicemembers have been and continue to be screwed over by crappy student loan servicers. Here is what the CFPB...

  • Posted November 6, 2017
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  Outside the Box Bankruptcy Solutions for Student Loans Really Exist

  While most of our work to reduce and eliminate student loan debt is being done outside of bankruptcy, there are important intersections between student loans and bankruptcy that can lead to tens or hundreds of thousands of...

  • Posted October 18, 2017
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