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Dave Ramsey – Bankruptcy Bigot or Personal Finance Saint?

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I was just over on the blog of Dan Nunley, an Oklahoma bankruptcy attorney. He has a fantastic post on his site about Dave Ramsey and his aversion to bankruptcy. It is a post worth reading and the comments as well. It provided a good look at different points of view about Ramsey’s zealous effort to help people to avoid ... Read More »

    It Will Take 93 Years For People to Get Out of Debt

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    The Citizens Advice Bureau (CAB) in the UK is saying that based on their recent clients, it will take an average of 93 years for people to get out of debt. The CAB model is unlike anything available in the U.S. Citizens Advice works to provide fee advice to consumers and is supported by funds from the UK government. Citizens ... Read More »

      Debt Loans and Debt Consolidation

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      There are things hardwired into our brains. Our heart beats when we sleep, we breathe, we dream. When it comes to money problems, one of the automatic solutions people think of is the need to get a debt consolidation loan. Debt Loans Getting a debt consolidation loan is not an automatic guarantee that it will solve the bad credit problem. ... Read More »

        Indiana, Michigan, and Kentucky – Worst Places for Auto Loans in 2010

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        TransUnion released its annual auto loan forecast today indicating national auto loan delinquencies (the ratio of borrowers 60 or more days past due) will increase approximately 7 percent at the end of 2010 to 0.92 percent from an expected 0.86 percent at the conclusion of 2009. Only one state – California – is expected to see a decline in auto ... Read More »

          Reporter Looking for Someone to Interview About Using a Credit Card in an Emergency

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          From Allie Johnson, Reporter For an article for a personal finance Web site, a reporter is looking for people who have used a credit card in an emergency and would be willing to be interviewed about it. This could be a credit card that you kept around just for emergencies or your regular credit card. If you are willing to ... Read More »

            Man Fraudulently Tries to Sell Church He Didn’t Own

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            A man involved in a complicated scam to sell a church he didn’t own has been found guilty on 11 counts of fraud. Tracy Carmichael, 46, of Detroit in 2007 offered to sell the Temple of God Deliverance on Mount Elliot to a woman who was interested in the property as a land investment. The scam involved Carmichael finding a ... Read More »

              Consumers Energy Customer Warned About Credit Card Scam

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              Consumers Energy is warning customers — especially seniors — of a scam that includes people posing as Consumers employees in an attempt to access credit card information. According to a statement, customers have received calls from a person claiming to be a Consumers employee offering a special program. The caller tells the customers they have to pay a small fee ... Read More »

                I Want You to Meet Who You Helped Today – Ganhuyag Tuya


                It is important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. Please visit or use the services of advertisers on the site so we can help more ... Read More »

                  Loans for Bad Credit and Bad Credit Personal Loans

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                  Loans for Bad Credit Trying to find loans with bad credit is a task that is nearly impossible. After all, who can you trust? Scammers are always targeting people searching for bad credit loans, knowing bad credit personal loans will generate contact from people that are being rejected by every legitimate lender but they are still searching for a bad ... Read More »

                    Colorado AG Files Suit for Identity Theft and Loan Fraud By Friendly Hockey Playing Couple.

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                    The Colorado Attorney General John Suthers announced that attorneys from his office’s Consumer Protection Section have filed a lawsuit against two former Coloradans, Donald Sterling Whitlock (DOB: 5/6/1970) and Erin Reese Whitlock (DOB: 7/11/1969), who are suspected of defrauding consumers through the use of fake commercial lending companies and committing multiple identity thefts involving numerous victims. “The suit alleges that ... Read More »

                      Secret Shopper Money Order Scam

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                      Pennsylvania State police say a southwestern Pennsylvania man may have been duped into acting as a middle man for a bogus money order-cashing scheme. State police in Uniontown say a man in Connellsville Township was asked to become a “secret shopper” in an e-mail last month. Some retail firms use secret shoppers to find out what kind of customer service ... Read More »

                        MN Attorney General “Debt Settlement Companies Really Put People Into a Financial Death Spiral”

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                        I spotted an article “New Law Tightens Rules for Debt Firms” in which the Minnesota Attorney General, Lori Swanson, does not mince words about the problems she see with debt settlement companies. You can read the full article here. Consumers need to go into these transactions “with their eyes wide open,” said Elwood. Once they sign with a debt-settlement company, ... Read More »

                          What to Do if You Don’t Like Your Bankruptcy Attorney?

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                          What do you do if you don’t like your bankruptcy attorney? The US economy may have been beaten around a lot the last few years, but it’s still got one thing going for it: Freedom of choice. Whatever you but, whatever service you use, you have a choice. Coke® or Pepsi®.Toyota® or Ford®. The same applies to your bankruptcy attorney. ... Read More »

                            Clever Pre-Paid Card Scam Hits Canada

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                            It appears that some crooks are not stupid. In the latest frauds, investigators believe the suspects are snapping up prepaid “Vanilla” Mastercard or “Treat” VISA cards, widely available at gas stations and convenience stores, and sometimes using counterfeit credit cards to buy them. Criminals then alter the magnetic data encoding on the prepaid cards to that of a stolen credit ... Read More »

                              Debt Settlement USA Review. Not Pretty.

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                              My friend Damon Day recently did a contract review for a client of his who was tangled up with the debt settlement company, Debt Settlement USA. Damon’s review didn’t pull any punches and I thought his catch of the discrepancy in the fees charged and the time to complete the program was brilliant. When I use a real calculator and ... Read More »

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