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Author Archives: Guest Post

How to Get a Tax Extension

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The tax-filing deadline is a less than two weeks away, meaning there isn’t much time left for most to file. However, those who can’t file by April 15 are in luck — there is a way to put off filing your taxes. A tax extension is a common form filed when people need a little more time to get their information ... Read More »

    The Game of Thrones-Inspired Malware That Will Massacre Your Bank Account

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    A cyber gang specializing in ripping off online banking accounts has been successfully executing a multistep campaign to pull off six- and seven-figure heists from the accounts of small- and mid-size businesses, as well as large enterprises. This intel comes from IBM Security in a report disclosing details of a gang using the Dyre family of malware, which has been ... Read More »

      How Long Can Student Loans Hurt Your Credit?

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      We get questions and comments from distressed student borrowers wondering exactly how long missteps in repaying their student loans are likely to continue to hurt their credit. It can feel like student loans cast a very long shadow that is hard to escape. How long student loan problems can affect your credit isn’t always clear, because they don’t all work ... Read More »

        8 Luxury Cars You Can Buy for Under $20K

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        Fancy cars generally come with hefty price tags, but that doesn’t necessarily mean luxury is beyond your reach. With a little bit of patience and strategy, you might be able to buy a luxury vehicle for thousands of dollars off the sticker price. The National Automobile Dealers Association compiled a list of eight luxury vehicles that could be bought for ... Read More »

          How Much Is Too Much to Spend on a Car?

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          Everyone overspends from time to time, but when it comes to big purchases, like a home or vehicle, something that seems like an exciting splurge could end up devastating your finances. The question of, “How much is too much?” is quite personal. To say that you should only spend a certain percentage of your income on a car doesn’t take ... Read More »

            Are My Retirement Funds Safe From Creditors?

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            Q. I understand that in certain circumstances IRA and 401(k) money may be protected from a lawsuit. However, if a person is retired and has rolled over their ERISA plan to an account with a financial institution, are those funds still protected? A. Generally speaking, yes. The laws can vary by state. “Under federal law, pension plans such as a ... Read More »

              The 2 Words Debt Collectors Don’t Want to Hear

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              While much of the debt collection world is straightforward and, quite honestly, a little boring, some people in the industry treat it like a free-for-all. “There are widespread attempts to add charges to debts that aren’t legal. Excess interest is something we’ve encountered quite frequently,” said Daniel Edelman, consumer law attorney, founder and partner at Edelman, Combs, Latturner, & Goodwin ... Read More »

                Can I Bypass a Debt Collector?

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                When I am assisting people to resolve unpaid bills I’m often asked, “Why do I have to pay the debt collector? Why can’t I just pay my creditor or lender and avoid the collector all together?” A reader recently wrote in with just this question: I have a $ 5,000 balance on my credit card and it is now at ... Read More »

                  A Creditor Took Me to Court. Now What?

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                  Sometimes, the first time you find out you’ve had a judgment entered against you is when the judgment-holder seeks to enforce it. While due process is supposed to notify all parties to a court action ahead of time, there are many reasons why you may not have gotten that notice. You may have moved from the address where notice was ... Read More »

                    How Much Is Frances Bean Cobain Worth?

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                    Twenty-one years ago, Nirvana frontman Kurt Cobain ended his life. He left behind his only child, Frances Bean Cobain, and wife Courtney Love. Frances Bean, now 22, is an executive producer of the upcoming HBO documentary about her late father, “Kurt Cobain: Montage of Heck.” In a recent interview with Rolling Stone, she spoke publicly about her father for the ... Read More »

                      Here’s How You Can Upgrade Your Android to a New iPhone for Free

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                      Apple (AAPL) is now allowing Android, BlackBerry and Windows smartphone users to trade in their devices for credit toward iPhones, reports Forbes. And get this: You can also trade in your old PC for credit towards the purchase of a new Mac. Find out how to get an iPhone 6 for less than $ 50 >>> Apple’s Reuse and Recycling Program ... Read More »

                        3 Best Things to Buy in April

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                        Spring is officially here, and so are a variety of sales on certain items. Budgeting is much easier when you pay less for everyday items, and one way to do it is by making purchases during key times of the year. Just remember, it’s only worth it if you spend on things you would have to buy anyway. See the ... Read More »

                          How to Claim Qualified Education Expenses on Your Tax Return

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                          The IRS offers two tax credits to students or those paying for students’ educations, to offset some costs associated with higher education: the lifetime learning credit (LLC) and the American opportunity credit (AOC). Unlike tax deductions, which reduce the amount of taxable income, these credits directly lower the tax itself. There are several differences between these two education tax credits. Most ... Read More »

                            4 Common Student Loan Problems & How to Deal With Them

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                            Many people who have finished college in the last decade have student loan debt, but some have found that repaying that debt is more complicated than they expected it to be. There are many resources for student loan borrowers trying to figure out repayment, and some go to financial planners for advice on how to manage their student loan debt as a part of a ... Read More »

                              CFPB Sues Participants in Robo-Call Phantom Debt Collection Operation

                              Bureau Also Obtains a Temporary Restraining Order to Halt Illegal Operation and Freeze Assets of Operation’s Leaders WASHINGTON, D.C. — The Consumer Financial Protection Bureau (CFPB) announced today that it has filed a lawsuit against the ringleaders of a robo-call phantom debt collection operation, their companies, and their service providers. The debt collectors, using various aliases, allegedly deployed automated calls ... Read More »

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