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CFPB Lays Out What It Will Look For as an Abusive or Deceptive Practice

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The Consumer Financial Protection Bureau (CFPB) has released material which lays out how it will investigate and/or identify unfair, deceptive or abusive acts and practices. This has a serious impact on the entire debt relief industry, non-profits included. The rules and regulations, to me, appear to be clear that the underlying issue is if the material and activities by the ... Read More »

    Free Cheap Meals Recipes Cookbook


    Back in 2001 at the non-profit organization we held a contest and solicited the best cheap meals from people all cross the country. The resulting entries were combined into the Cookbook. You can download a free copy of this cookbook below. The Cheap Meals Cookbook is divided into: Appetizers Soups & Salads Entrees Desserts Kitchen Tips & Tricks ... Read More »

      How Should I Fix My Credit? – Melissa

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      I have been on my own since a young age and have been using my credit. Now that I’m older i realize the mistake that i made. I have no credit card dept, but i do have dept .. medical, and cell phones, gas company, etc. Its about 11,000$ worth. i wanted to go with a company to help because ... Read More »

        Hero Reader Sends in More Evidence of B.S. 2010 U.S. Stimulus Plan


        A reader and tipster (send in your tips here) just sent me this ridiculous example of a deceptive debt relief mailer. I’ve previously published examples of the 2010 U.S. Stimulus Plan mailer that has been sent out but what makes this so ridiculous is that the same consumer gets the same mailer about a week apart, both proclaiming this is ... Read More »

          Fight Cancer and Get Out of Debt at the Same Time

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          Recently I was approached by the Consumer Recovery Network about referring people to their new Accelerated Balance Reduction Program who need Do It Yourself (DIY) debt settlement help. They have a unique program that I’ve written about before and one that I think will become a more suitable approach for consumers that want to attempt to intercede with their creditors ... Read More »

            Corvus Law Group Agrees to Change Direct Mail Ads

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            A Utah law firm that files multi-plaintiff lawsuits against mortgage servicers has agreed to change how it solicits clients in Idaho, Attorney General Lawrence Wasden said today. Wasden’s office reached a settlement agreement with Corvus Law Group, LLC, which maintains an office in Post Falls, Idaho. Pursuant to the agreement, the firm has modified its direct mail ads to comply ... Read More »

              Mitchell J. Stein Sues California AG Harris

              Inactive California attorney Mitchell J. Stein has filed suit against California Attorney General Kamala Harris, Benjamin Diehl, and James Toma on February 27, 2012 in the Northern District of California. The case says it was filed by James Leickly, Esq but the email address of seems to be likely associated with Eric Wittenberg, Esq who I wrote about in ... Read More »

                Herschel Bentley’s Debt Elimination Advisory Promotional Video Says What!

                A reader forwarded me a link to a video that promoted a service called “Herschel Bentley’s Debt Elimination Advisory” that promotes debt settlement. I get it, it’s a marketing approach to sell the $497 product. – Source I am uncertain who the guy in the video is. The video makes some interesting odd claims about debt settlement. “Only really one ... Read More »

                  We Have a Lot of Debt From Colon Cancer Treatment. – Valerie

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                  I recently used a non profit debt consolidation co. to reduce my credit card debt. Later that month I won a law settlement of $20,000. I thought this would be a good safety net to stay away from credit cards. A month later my husband was diagnosed with 3rd stage colon cancer. He had surgery. He started chemo. We have ... Read More »

                    Can I Get My Dubai Debts Forgiven Now That I’m in India and Divorced? – Sheeba

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                    Dear Sir, This is Sheeba. I lived in Dubai from April 2007 till November 2008. I have pending loans and credits in Dubai. Briefly, these loans and credits were forced by my husband for his personal use. He promised to clear it saying he wanted to start a business in Dubai. He could not apply himself as he wasn’t eligible ... Read More »

                      Republican Presidential Candidates Not Specific on Help for Struggling Homeowners

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                      by Lois Beckett ProPublica As we’ve detailed, President Obama’s plans to help homeowners have come up short time and again. We recently looked at Obama’s latest proposals, most of which are unlikely to make a major dent in the crisis. So, how about the Republican presidential candidates: What do they say should be done about the foreclosure crisis? They don’t ... Read More »

                        Debt Solutions Research Group Makes Me Mad as Hell, Even After Sleeping On It

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                        Yesterday a consumer posted a complaint about Debt Solutions Research Group – Royal Pacific Financial. You can see it here. I’ve seen enough complaints and shenanigans that not much stuff makes me downright boiling mad, but the way this consumer was treated sure did. And if you are in the debt relief industry, it should make you mad as hell ... Read More »

                          Can I Nominate Steve Rhode for CFPB Consumer Advisory Board?

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                          Several people have contacted me and asked if they could nominate me for the Consumer Financial Protection Bureau new Consumer Advisory Board. I would be honored to be nominated and most appreciative of your confidence in my ability to help protect consumers as a member of the advisory board. The Consumer Financial Protection Bureau says: We are looking for Board ... Read More »

                            Fake 2010 U.S. Stimulus Plan Mailers STILL Being Sent


                            Now I’m just in disbelief that bogus debt relief mailers like this are still being sent out. There is nothing compliant about this mailer. It makes unsupported claims, fails to identify the company, and in my opinion, should be avoided at all costs. I’ve covered similar mailers like this before, which you can see in the related links below. This ... Read More »

                              Golden Financial Services Misplaces BBB A+ Rating

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                              Yesterday I wrote Golden Financial Services Says the Darndest Things About Being a Law Firm. The article came to the attention of the BBB who apparently decided they were going to take some sort of action. According to the new BBB page for them, “! BBB Business Review on Golden Financial Services Debt Settlement Corp. is being updated by BBB ... Read More »

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