What Citi Just Told the SEC About the Real Cost of Your Card Rewards
Citi’s own SEC filing shows the fee side of its card business ran $663 million in the red this quarter. Here’s what that means for how you use your card.
Steve Rhode
My Farm Business Closed — Am I Personally Liable for the Equipment Loans?
Closing a farm or ranch business doesn’t automatically close the equipment loans. Here’s how personal guarantees, deficiency balances, and Chapter 12 bankruptcy actually work.
They Said Giving My House to My Kid Before I File Protects It From Bankruptcy. The Trustee Can Still Undo It.
Myth: gifting your house before you file keeps it safe. A trustee can undo it, you usually lose your exemption on it, and a Chapter 7 discharge is at risk.
I’m Being Evicted and Debt Collectors Are After Me at the Same Time. Here’s What to Do Right Now.
Facing eviction while debt collectors call nonstop? Protect your housing first, verify debts before you pay, and know what bankruptcy’s stay can and can’t do.
Mortgage Rates Just Hit a One-Year High — and the Fed Isn’t Talking About Cuts. Here’s What’s Really Happening to Your Money This Week
Mortgage rates hit 6.71% this week, a one-year high, while no Fed policymaker has voted for a cut since April. The real story, and what to do.
A City Kept Billing Her After She Filed Bankruptcy. The Judge Said the Software Was No Excuse.
A judge ruled a city’s own billing software is no defense against the bankruptcy stay — but the reason her damages stayed at $1,500 is the real lesson.
IRS Penalty Abatement Is a Free Phone Call — Not a Service You Need to Buy
IRS penalty abatement erases failure-to-file and failure-to-pay penalties for free — here’s how First Time Abate and the new Automatic Exemption work.
I Just Got a Notice of Default on My Mortgage. Here’s What to Do Right Now.
A Notice of Default is not foreclosure yet. Federal law limits when your servicer can act — here is the deadline clock and what actually stops it.
No, You’re Not Getting $10,000 From the AMN Healthcare Settlement — Here’s Who Actually Is
Claim sites say AMN Healthcare pays ‘up to $10,000.’ That’s the class reps’ award, not yours. Here’s the real number and the Oct. 27 deadline.
The $117 Million Pork Price-Fixing Settlement — Here’s What Nearly Every Write-Up Gets Wrong
Five pork producers will pay $117M over price-fixing claims. It’s 23 states + DC (not 24), and 3 states have a different start date. Here’s who qualifies.
