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My Mum Took Credit Cards Out in My Name When I Was in Prison in the UK. – Bridget

“Dear Jon, I come from a difficult background and my mum is the person who took various cards out in my name, while i was in prison! She says it’s because she was struggling with her five year old son and was struggling to make her way up to see me on prison visits etc! Which I don’t find good ... Read More »

    Consumer Alert: Seniors complain callers using property tax relief programs to target

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    The Washington State Attorney General’s Office is joining the Washington State Departments of Veterans Affairs and Revenue in warning consumers about complaints they’ve received from seniors who say they’ve received calls from solicitors posing as state agents for a senior property tax relief program. The Department of Revenue learned Washington seniors are complaing that they have been contacted by solicitors ... Read More »

      Is The Debt Answer Really Going Under as Alleged?

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      A reader sent in a tip last week and I reached out to Global Client Solutions for a comment. The Debt Answer did not have an online contact form. That was five days ago and they still have not responded. Absent any response I will go ahead and publish the reader tip about them so any client of The Debt ... Read More »

        Zeekler and Zeek Rewards Reps Allegedly Sought by the Now Notorious Dave Burke

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        People keep sending me emails and posting comments that the infamous Dave Burke is making some sort of play for the Zeek MLM representatives. One commenter said, “This creep [Dave Burke] just hosted a webinar that was made to look like an official information seminar for those who got burned when another scheme (Zeek rewards) was shut down by the ... Read More »

          Will My Girlfriend Lose Her Car I Cosigned for When I File Bankruptcy? – Marc

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          “Dear Steve, I am divorced and have about $100k in unsecured debt due to job loss and other issues which arose in my marriage. I am just treading water with the bills (including alimony and child support) and am sinking fast. I believe I am going to have to file Chapter 7 BK as I am never going to dig ... Read More »

            How to Defend Yourself If You Are Sued by a Debt Buyer


            I’d love to take credit for the tips that are made here but Peter Holland of the University of Maryland Francis King Carey School of Law is the one that deserves the credit for writing a fantastic paper outlining the process. Holland provides amazing advice here and I wish we’d see more such academic papers posted to help consumers. How ... Read More »


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              LITTLE ROCK – Attorney General Dustin McDaniel announced today that his office has obtained a court order prohibiting the operator of multiple payday lending websites from offering illegal loans to Arkansas consumers. McDaniel earlier this year filed suit in Pulaski County Circuit Court against Josh Mitchem of Kansas City, Mo., and companies PDL Support LLC and Platinum B Services LLC. ... Read More »

                Consumer Gets a Judgment Against Him But Never Served. Asks for Help and Ideas.

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                A reader has written in and asked for advice on the following situation they say involves Persolve, Bill Finley, Paul Castagna, Geri Phillip, Kathleen Pearson, Thomas Halen, Robert Engilman, Michael Halpin, Kevin Frazier, Golden Gate Financial, Persolve Financial, and Comprehensive Legal Solutions. Please read the consumer’s information and feel free to respond to the consumer in the comments section below. ... Read More »

                  What To Do If You Get Sued By a Creditor – Part 1

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                  PART I: WHERE DO I START? Every collection lawyer and nearly every court views all collection lawsuits the same: a mindless task they don’t really want to do. They were trained for bigger and better things. More “important” things. However, it is the exact opposite for the consumer defendant. It is extremely important given that they intend to grab your ... Read More »

                    Making All Homes Affordable and La Paz Source Sued by Arizona Attorney General Over Loan Modifications

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                    Arizona Attorney General Tom Horne announced two lawsuits Wednesday against Phoenix- and Tucson-based mortgage modification companies that allegedly misrepresented their services. Named in the lawsuits were the Phoenix-based Making All Homes Affordable LLC and owner Albert Figueroa and the Tucson-based La Paz Source LLC, owners Francisco Ramos and Maria Beltran, their new operation, La Placita Multi Services LLC, and Arturo ... Read More »

                      Not Passing Out Credit Like Water Holds Back Economic Recovery

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                      A new report out today from the Federal Reserve Bank of San Francisco makes a conclusion is apparently obvious to those of familiar with how the consumer debt relief world works, without a flood of available credit, consumers are not going to drive the economy forward. “A key ingredient of an economic recovery is a pickup in household spending supported ... Read More »

                        Attorney Withdraws From Rampart MMW – Omni Home Solutions Bankruptcy to Shield Homeowners

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                        A tipster (send in your tips here) alerted me that last week, Monica L. Montgomery, Esq, withdrew as the attorney representing Rampart MMW in their recent bankruptcy filing they sold access to consumers in to hopefully stop home foreclosure. Montgomery filed the chapter 11 bankruptcy on June 20th and I previously covered that filing and a former client spoke out ... Read More »

                          Attorney General Gansler Warns Consumers About Medicare Scam Simple advice: Never give out personal information to someone you don’t know

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                          Maryland consumers should be on the lookout for the latest scam that seeks to steal personal information over the phone by using the Patient Protection and Affordable Care Act (Federal Health Care Reform) as a ploy. “If someone claiming to be from the government calls and asks for your personal information, just hang up,” said Attorney General Douglas F. Gansler. ... Read More »

                            The ABCs of Getting Out of Debt – Book Review

                            The ABCs of Getting Out of Debt

                            I think this is my first, or at least one of my first book reviews here on the site. This book got my attention since they recommended the site as resource for readers. Nice! What I was given to read was a pre-release copy. Who knows, there might be some fine tunings in the final version. The book is ... Read More »

                              I’m Struggling with Stress and Can’t Afford All My Bills. Should I Apply for SSI? – Lauren

                              “Dear Steve, I am unemployed 26 years old with a bachelor’s degree I cannot use in my area. I have been under mental stress lately by going in and out of hospitals and cannot seem to bring myself to paying bills. I have been told to file an SSI claim but does that have certain stipulations? I don’t want to ... Read More »

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