Home > Author Archives: Steve Rhode (page 16)

Author Archives: Steve Rhode

New Bankruptcy Forms Make It Easier to File Without an Attorney

happy woman in wheelchair outdoors beach showing victory sign

Now don’t get me wrong, there is no substitute for the experience, knowledge, and wisdom of an experienced bankruptcy attorney. But for decades people have been filing out their own bankruptcy petitions, because they can. The forms were not geared for the average person to easily figure out. On December 1, 2015 the bankruptcy forms are going to change, in ... Read More »

    AES is Not Willing to Help Me With an Affordable Private Student Loan Payment

    Young stress woman

    Question: Dear Steve, Several years back my married daughter had been working and due do the economy had been losing many jobs. She decided to go back to school to hopefully get a better job. Of course to make all this happen she needed to apply for student loans. In order to get the loans she needed a co-signer. I ... Read More »

      6 Out of 10 People Stressed About Holiday Spending

      Christmas Piggy

      Consumers may not feel so jolly once they head into this year’s holiday shopping season. According to a national survey by Experian, many respondents are concerned about the financial stress of gift buying and adding debt, as well as becoming an identity theft victim. When it comes to their finances, a majority of survey respondents believe holiday shopping is a ... Read More »

        Nationwide Debt Direct Hit Yet Again With Marketing Suit in OH

        Comic bubbles vector isolated set, sound effects to comics, templates clouds on strip background

        Previously I wrote about Nationwide Debt Direct being his with a suit in Ohio regarding the marketing letters they were sending out. You can see that previous article, here. Well it looks like another law firm is using a similar approach in going after Nationwide Debt Direct. The suit filed on November 17, 2015 claims Nationwide Debt Direct sent marketing ... Read More »

          Consumer Credit Counseling Foundation Hit With TCPA Suit

          cfpb_parentsblog_teenageyears_blog

          I’ve been talking about the risks of Telephone Consumer Protection Act lawsuits against debt relief companies for some time now. On November 18, 2015 another such suit was filed. This time against Consumer Credit Counseling Foundation and Ishwinder Judge. The suit filed by Christopher Reichman of Prato & Reichman says: Defendants made six (6) live calls to PAUL SAPAN’s home ... Read More »

            Omni Management Partners Client Agreement Review Leaves Me Wondering

            Mature woman confused

            I recently wrote about Omni Management Partners as the result of a comment made on the site. Subsequently I received a copy of the client agreement. What follows is just my opinion about what I read in the agreement. I am not a lawyer and can’t offer any legal opinion about this agreement. What you will read below is simply ... Read More »

              TFSC Group – Consumer Complaint – November 21, 2015

              customer service feedback

              Consumer Statement: I was sent a letter from TFSC Group which stated I should call them to access help with student debt. Upon calling I was directed to Rene Fernandez. He stated that the program was the result of recent legislation and I was lucky to have called because of the limited slots available and the once his company moved ... Read More »

                So Who is Omni Management Partners in Florida?

                Adult Ed - Questions

                I just spotted a comment from a reader who was asking about Omni Management Partners. The comment can be found here. I don’t know Omni Management Partners from a hole in the ground so I’ll do some public record research and share it with you below. Omni Management Partners says they are located at 150 East Palmetto Park Road, Suite ... Read More »

                  Mortgage Modification Representative Gets 10 Years in Jail

                  Jail

                  United States Attorney for the Northern District of Indiana, David Capp, announced that Brian M. Kandefer, age 37, of San Diego, California, was sentenced Wednesday, November 18, 2015, in federal court by Judge Robert L. Miller, Jr. after his guilty plea of wire fraud and money laundering. Brian Kandefer was sentenced to 121 months imprisonment and ordered to pay $1.4 ... Read More »

                    How Can I Move Forward When My School Won’t Release My Transcript?

                    Cartoon-OUCH. Vector

                    Question: Dear Steve, I attended a private college one trimester in 1986 when I was 18. I transferred to a public university that year and completed my degree. 30 years later, today I am wanting to get a second degree but need my official transcript from the private college that I attended in 1986. They are withholding the official transcript ... Read More »

                      Camden Legal Group – What Do You Think?

                      Many multicolor question marks above the head of young man or boy. Making decision thinking uncertainty learning concept. EPS 10 vector illustration no transparency

                      Previously I answered a reader question about a company called Camden Legal Group. You can see it here. In this post I’m going to do things a bit different. I’m just going to publish the facts that I have and I’m going to encourage you to post a comment with your opinion of Camden Legal Group. This story all began ... Read More »

                        Is Canadian Cockburn & Associates Operating Out of New Jersey?

                        odd

                        Under the heading of “that’s odd” comes this job posting for a Canadian Lawyer with Debt Settlement Experience. – Source The ad is looking for someone who is licensed in Canada to work for the Law Office of C&A in New Jersey. Now I don’t think it is a far stretch to think the Law Office of Cockburn & Associates ... Read More »

                          Pure Solutions, Inc Raises Some Legitimate Questions

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                          A reader forwarded me a client agreement by a company called Pure Solutions, Inc. The company says it is located at 76 Cranbrook Rd, Suite 249, Cockeysville, MD 21030. The consumer was being charged around $14,000 for the company to send out less than five debt validation letters. A few minutes of looking around and reading the client agreement left ... Read More »

                            My Step-Son Killed His Father and His Mom Cosigned His Student Loans

                            mans hands behind bars in jail or prison

                            Question: Dear Steve, Step-son that is SSI disabled for 3+ years with Mental Illness, Maternal Mother, My wife, co-signed student loans for him. He is now in Jail for murdering his paternal father and will end up in jail or an institution for the rest of his life. My step-son’s never paid any of his loan payments only my wife. ... Read More »

                              CFPB Takes Action Against Online Lender for Deceiving Borrowers

                              payday_loans

                              Bureau Alleges Integrity Advance Misrepresented the Cost of Loans, Seeks Redress for Borrowers WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) took action today against an online lender, Integrity Advance, LLC, and its CEO, James R. Carnes, for deceiving consumers about the cost of short-term loans. The Bureau alleges that the company’s contracts did not disclose the costs consumers ... Read More »

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