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Scammers Going to Scam. Mortgage Relief Jerks Stopped From Screwing Over Vulnerable Consumers

Mortgage Relief Scammers Stopped From Screwing Over Vulnerable Consumers

The Federal Trade Commission and the California Department of Financial Protection and Innovation (DFPI) are taking action against various companies doing business as Home Matters USA, Academy Home Services, Atlantic Pacific Service Group, and Golden Home Services America, and the owners of the companies, Dominic Ahiga, and Roger Scott Dyer, for operating a sham mortgage relief …

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People Think Expenses are Coming Down While Spending More

I recently did a shortcast on what inflation means. You can subscribe to my podcast on any of these sites below.                    Survey Results Show People Feel Expenses Are Coming Down From the recent survey results, people are feeling more hopeful about future finances. Median expected monthly overall spending growth over the next twelve months …

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Debt Relief 1099 Gig Workers Get FTC Protection From Crappy Bosses

Debt Relief 1099 Employees Get FTC Protection

The debt relief industry seems to be full of 1099 gig workers that get paid by commission to sell, sell, sell. The Federal Trade Commission just announced a new focus on protecting gig workers from crappy employers. All debt relief workers should read the following information and keep it in mind before having to file …

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I Took Out a Credit Card to Make Money for Dental Work and My Plan Didn’t Work. They Are Asking for Income Verification and Suing Me.

I Took Out a Credit Card to Make Money for Dental Work and My Plan Didn’t Work. They Are Asking for Income Verification and Suing Me.

Question: Dear Steve, I am on SSD because I have Liver Cancer, Degenerative Spine Disease, Fibromyalgia, Narcolepsy, Asthma, PTSD, ASD, and Depression. A couple of years ago, I got an offer from Discover in the mail for a credit card. I got this bright idea that I could buy some things and fix up my …

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I Want to Enter The Financial Hardship Program for My Credit Card Debt

I Want to Enter a Financial Hardship Program for My Credit Card Debt

Question: Dear Steve, I maxed out my credit cards during covid/the last two years. I want to enter into the financial hardship program for my highest card, but they close my account at the end of the program. Will this hurt my credit more than it’s currently being damaged from being at my total limit …

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My Tuition Answer Loans Are Still Being Collected by Navient But Should They Have Been Discharged in Bankruptcy?

Question: Dear Steve, I filed a Chapter 7 bankruptcy in 2010 and my tuition answer loans look like they were included in the list of debtors as “Chela” at the time. Originally taken out through Sallie Mae. I was made aware that they would not be dischargeable because they were student loans. I’ve rehabilitated them …

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