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Northern Asset Management and Eastern Asset Management, Debt Collection Companies, Sued by NY AG

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Attorney General Andrew M. Cuomo announced a lawsuit against several Western New York debt collection companies that violated the law by harassing consumers through repeated threatening and obscene phone calls as well as making illegal calls to the consumers’ employers and families. Attorney General Cuomo’s lawsuit claims Frank Santiago, of South Creek Road in Hamburg, who is the owner and ... Read More »

    How Being in Debt Can Affect Your Military Career

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    Being in the military poses unique problems for military personnel and their families. Sometimes, as a result of circumstances like relocation or deployment of a spouse, a military member may fall behind on payments of his or her debts. A person who is behind on payments may be viewed in the military as irresponsible, even when the person fully intends ... Read More »

      Financial Concerns for People With Long-Term Illnesses

      Net Worth Worksheet

      A diagnosis of any major disease will change your life. You may spend much of your time thinking about life and death and your own mortality. You might be trying to hold onto a job, if your health will allow it. You may be wondering who to tell — and who to turn to for support. You might be running ... Read More »

        Marriage and Money: How to Talk to Your New Spouse About Finances

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        So you’re engaged. Or thinking about it. If you’re really serious about spending the rest of your life with another person, it’s time to get some of the tougher issues out in the open. Somewhere near the top of your list should be MONEY. Conflicts about money issues can stop a relationship before it has a chance to be successful. ... Read More »

          Managing Your Money: Options for Same-Sex Couples

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          Congratulations! You’ve met the man or woman of your dreams and have moved in together or are planning the big move. You’re probably in the “ain’t love grand” stage, and we’d prefer not to burst your bubble. But how about a dose of realism, especially about money? When you live with someone, you and your partner must make decisions about ... Read More »

            Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

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            So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

              Dual Action Cleanse Colon Cleaner Gives Consumers Financial Runs. Thanks Klee Irwin and Ultimate Nutraceuticals.

              Ultimate Nutraceuticals is the focus of a lawsuit filed recently claiming the product Dual Action Cleanse (“DAC”) sold to consumers was grossly over priced and hundreds of thousands of consumers had their credit or debit cards charged without authorization for unordered pills, powders, or potions. So it is alleged that while the product was worthless, the only thing that got ... Read More »

                The “Living Together” Contract: A Guide for Same-Sex Couples

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                A contract is no more than an agreement to do (or not to do) something. It contains promises made by one person in exchange for another’s actions or promises. Marriage is a contractual relationship, even though the “terms” of the contract are rarely stated explicitly, or even known, by the marrying couple. Saying “I do” commits a couple to a ... Read More »

                  Sulfur Ridden Chinese Drywall to Cause Great Expense for Some Homeowners

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                  A leading East Coast homebuilder learned four years ago that the Chinese-manufactured drywall it had installed in several Florida homes was emitting foul odors, according to documents obtained by ProPublica and the Sarasota Herald-Tribune. The company, WCI Communities, was so concerned that it started planning to tear out the material and rebuild the houses. But it never disclosed the problem ... Read More »

                    Coping With Medical Bills

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                    With medical bills skyrocketing, many people feel they simply can’t afford to be sick. But illness and accidents happen anyway, leaving many families financially unhealthy or even bankrupt. While there is no single, simple solution to the high cost of medical care, this brochure is designed to offer suggestions on coping with large medical bills. Hospital Bills “Want to know ... Read More »

                      Insurance Scores: How Your Credit History Affects Your Insurance

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                      What does the information in your credit report have to do with your automobile or homeowner’s insurance? Perhaps more than you think! Many insurance companies these days use insurance scores to help determine eligibility for their policies, evaluate policies for renewal and sometimes to determine rate discounts. Insurance scores are popular with insurance companies because they have been proven to ... Read More »

                        Identity Theft: How to Protect Yourself and What to Do If You Are a Victim

                        Telephone Communication Log

                        Think your money and peace of mind are safe from thieves? Think again. Identity theft is one of the fastest growing types of robbery today. As many as 300,000 people are defrauded each year by crooks using stolen identities. Guess who ends up paying for the millions of dollars that stores and lending institutions lose in this way? That’s right. ... Read More »

                          Should I Lease My Next Vehicle?

                          Figure 1 - The Argument for Leasing

                          Searching for that perfect car or truck is not such an easy task anymore. Every auto dealer has a special deal just for you — and that deal is not all that easy to understand. Before you go shopping for your next vehicle, think about whether you want to lease or buy and make sure you understand both options. What ... Read More »

                            Living Together: A Financial Contract for Unmarried Couples

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                            A contract is no more than an agreement to do (or not to do) something. It contains promises made by one person in exchange for another’s actions or promises. Marriage is a contractual relationship, even though the “terms” of the contract are rarely stated explicitly, or even known, by the marrying couple. Saying “I do” commits a couple to a ... Read More »

                              Credit Card or Debit Card: The Great Debate

                              Credit Card vs. Debit Cards A Side-by-Side Comparison

                              Having trouble getting approved for a credit card? Do you have bad credit? Maybe a debit card is the answer. Today, more and more banks and financial institutions are rushing to issue their customers debit cards. In fact, many of these companies routinely issue “enhanced” ATM cards that can also be used as debit cards to make purchases. This article ... Read More »

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