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 …
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 …
Question: Dear Steve, I don’t believe this is a relative of mine. I think this is a SCAM. Patrick Answer: Dear Patrick, It is a scam. Recently you sent me a question about a payday loan collection attempt that was also a scam. Clearly, you’ve made a list of targets to try and scam. A …
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 …
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 …
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 …
Question: Dear Steve, HOLY CRAP! As I usually do, I am reading your commentary, and some things are jumping at me. I am thinking, “Gee, this guy has some of the same problems I have! That’s weird. As I go on, more and more of this sounds awfully familiar. Then it dawns on me…SHIT! THIS …
Question: Dear Steve, Speedy Cash This Year sent me some lawsuits and Last year, ACS Sent me some things I think these are the same 2 scams your talking about. Patrick Answer: Dear Patrick, Thank you for sending me an image of one of the notices you received. It is clearly bullshit. I looked at …
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 …
The word inflation is used all the time, but what does it really mean, how do we measure it, and what happens when we try to reduce it? Let’s talk about it in today’s shortcast. Listen to the Podcast You can subscribe to my podcast on any of these sites below. Easiest way to …