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Author Archives: Guest Post

Accepting applications for our Academic Research Council

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How to apply For more information on how to apply to serve on the Academic Research Council or one of these Advisory Councils you can: Review instructions on how to submit an application for membership Apply online (Applying online is highly encouraged) Learn more about our Advisory Groups Visit our Frequently Asked Questions for more […] This news from the ... Read More »

    So… Just How Bad Is Your Student Loan Situation?

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    Sunday, January 10, 2016 SO… JUST HOW BAD IS YOUR STUDENT LOAN SITUATION? The game of life is hard to play I’m gonna lose it anyway The losing card I’ll someday lay so this is all I have to say…. Suicide is Painless Johnny Mandel, 1970 For those who are new to this blog or perhaps have stumbled upon this ... Read More »

      Persels and Associates Closed and I’m Being Chased for a Debt They Settled

      Question: Dear Steve, About 4 yrs ago, my husband and I were completely in credit card debt. We went through Persels and associates. I know what you’re thinking, NO DEBT CONSOLIDATION LOL! Anyway we were well on our way to being debt free. This past June, we paid off our last creditor. It felt so good! Well, I am now ... Read More »

        We Are in Our 70s, in Debt, and Out of Money. What Can We Do?

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        Question: Dear Steve, My husband and I are both in our 70’s. He’s 79 soon to be 80 and I’m 76 soon to be 77. We have gotten ourselves into a lot of debt. ($50,000) We started our retirement with a total of $400,000. Through bad advice and my husband not paying any attention what to was happening with his ... Read More »

          I Graduated From College With So Much Debt, There is No Hope

          Question: Dear Steve, I am over $150,000 in debt from students loans, approximately 100k is from private student loans, 4 separate loans, while the remainder is various federal loans. I am 24 years old and got this debt from undergraduate education where I got a sociology degree and now at my first job make less than 35k/year before taxes. In ... Read More »

            Will I Need My IRS ITIN to Get Married?

            Question: Dear Steve, I have an ITIN number I got it on 2006 I have not used it for my taxes since then but I have the original paper. How can I know how much I owe, where do I have to go, how can I use it? I am going to get married and I will need this for ... Read More »

              Dealing with Client Services and your credit?

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              First off, tons of great info here thanks for running this site! I missed several payments on a Bank of America credit card with a balance of around $8,000 back in 2013. After a few months Client Services, Inc. began contacting me to collect the debt, though it appears BoA still owns it. I made an agreement at the time ... Read More »

                National Collegiate Trust Collecting Student Loans

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                I received 4 letters from Weltman Weinberg and Reis on 11/16/15 stated that I had 30 days to verify that the student loans were valid before they took action. The loans total $19,000 but they stated that their client would settle for $16,000 National Collegiate and Trust. I don not have $16. I work for a mental health center and ... Read More »

                  Is your relationship an obstacle to saving money?

                  I only ask because my husband is, and really always has been one of our many obstacles to saving money. He is my little spendthrift. Not that I’m blaming anyone for our lack of savings, but it does make saving a bit more difficult. How can it not? Honestly, though, I think it comes down to a difference of opinion ... Read More »

                    I Stopped Paying My Daughter’s Cosigned Navient Student Loan. – Rosie

                    Question: Dear Steve, Hi Steve, I co-signed my daughter’s student loans which she and her husband stopped paying because Navient was asking for $1,100 a month (he lost the overtime advantage he was using to pay back the student loans) and all I could help towards that was $200. My daughter directed me to your site and we decided to ... Read More »

                      How To Participate in FTC’s PrivacyCon

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                      Event Will Be Livestreamed, Live Tweeted @FTC The Federal Trade Commission’s PrivacyCon event is being held tomorrow, Jan. 14, 2016, from 9 a.m. to 5:30 p.m. Speakers will include FTC Chairwoman Edith Ramirez, Commissioner Julie Brill and Chief Technologist Lorrie Cranor. The event will feature research presentations and policy discussions that cover a wide variety of privacy topics and will ... Read More »

                        Save the date, Louisville!

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                        Join us for a field hearing in Louisville, Kentucky about access to checking accounts. The hearing will take place on Wednesday, January 27 at 11 a.m. EST. More information about the event will follow. The hearing will feature remarks from CFPB Director Richard Cordray as well as testimony from consumer groups, industry representatives, and members […] This news from the ... Read More »

                          How do I get a debt collector to stop calling me if it’s not my debt?

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                          You have the right to tell a debt collector to stop communicating with you. Write a letter to the debt collector and keep a copy of the letter yourself. Tip: The CFPB has prepared sample letters that you can use to respond to a debt collector who is trying to collect a debt from the wrong person as well as tips on ... Read More »

                            What are the new federal protections for consumers who send money internationally?

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                            Summary The Consumer Financial Protection Bureau has issued rules to protect consumers who send money electronically to foreign countries. These transactions are called “remittance transfers.” The new rules take effect on October 28, 2013.  More details on the rule are available at our regulations page.  Background A “remittance transfer” is an electronic transfer of money from a consumer in the United ... Read More »

                              Key tips to consider if choosing a lump-sum pension payout

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                              This news from the CFPB was distributed by the Personal Finance Syndication Network. If you would like to contribute a guest post like this one, click here. Read More »

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