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3 Critical Tools for Paying Off Debt

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This is the time of year when many people look at their debt situation and shudder. They dream of what it would be like to be out of debt. And, if they’re brave, they begin to plan a strategy to reduce the amount of debt they carry. They’ll begin with high hopes, but many of them will quit before reaching ... Read More »

    Thomassen Law Group Appears to Charge Advanced Fees for Debt Settlement

    A tipster (send in your tips here) sent in a copy of a contract they purport to be from Thomassen Law Group for debt settlement services. Their concern was over the fees being charged. Thomassen Law Group appears to be charging a fee that is not directly linked to the performance of debt settlement services. Most companies are not allowed ... Read More »

      How to Stop Collection by Universal Fidelity for Hollywood Video Movie Gallery

      Dear Steve, I received this debt collection notice. I don’t owe them anything. This is a fictitious debt. I posted on your website and you asked a previous poster for a copy of the letter. I found this [stipulation order]. It has an address for Hollywood video in Tigard, Oregon. The attorney general from my state of WA is on ... Read More »

        North Carolina Calls Consumer Law Group Bogus in Settlement Announcement

        It appears an issue with North Carolina and Consumer Law Group finally came to an end. You can read past stories about Consumer Law Group here. What was most interesting about the Consumer Law Group action North Carolina took was the definition of what true attorney representation was in a debt settlement program. Not only did North Carolina not buy ... Read More »

          Ways to Save Money for Frugal Living While Having Fun and a Budget

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          You don’t need to be a financial genius or fiscally sound in order to save money. In fact, anyone can save! Anyone with the ability and willingness to save can be a master saver. Taking a few simple ideas and applying them to everyday life can really make a difference over time. A life saver, if you will. First things ... Read More »

            Student Loan Consolidation Opportunities and the Best Way to Lower Your Student Loan Payments

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            A frequent question we get on has to do with student loans. Quite frankly many of them are a financial death sentence and a trap. Student loans are one of the worst debts you can owe. I’m not even sure owing a loan shark is worse based on many of the stories I’ve read from readers. If you owe ... Read More »

              FTC And CFPB Pledge To Work Together To Protect Consumers

              It was announced today that the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) have signed an agreement to coordinate efforts to protect consumers in an effort to avoid duplication of federal law enforcement and regulatory efforts. The memorandum of the two agencies’ understand can be viewed here. The Dodd-Frank Wall Street Reform and Consumer Protection Act, ... Read More »

                Consumer Disclosures in Debt Relief

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                When a person is struggling with debt and looking for outside help from a company or person, they should certainly have risks and rewards disclosed to them. Ideally, the disclosures would help a person to best evaluate which direction to take for help, and who to trust. A recent article by Elisabeth Rosenthal in the NYT: I Disclose… Nothing helps ... Read More »

                  It Takes Two (Creating a Family Financial Battleplan-Part 1)

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                  Two years ago I wrote about creating a financial game plan. It’s been a popular post and I think it’s due to couples looking for a solution that they can create together. Though most of the advice still hold up, I wanted to break down the steps for couples just starting out with getting their finances together. The first topic ... Read More »

                    Can’t Pay Debts Turned Over to Collection Agency. – Barbara

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                    My husband has been out of work for almost three years and exhausted all unemployment over a year ago and I am retired and getting a small pension and Social Security. Consequently our income has been greatly reduced. We have a couple of very high phone bills that have been turned over to collection and we have absolutely no extra ... Read More »

                      Personal Finance Struggle Universal. Many Dealing With Trying to Make Ends Meet.

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                      When you are struggling to find enough money to get through the month or make ends meet, it an feel as if you are all alone in that effort. Money troubles are internationally universal and experienced by people around the world. Just yesterday I wrote about consumer debt levels increasing in Australia and Canada. The reality is that since the ... Read More »

                        I Used the Credit Card of a UK Friend and Now the Creditor is Calling Them. – Arnold

                        “Dear Jon, i used the credit card of my friend,and im not abble to pay the monthly bill because of my salary situations,and right now the bank is always calling my friend for the payment,the payment that i am the one who’s responsible for that my question is possible to transfer in my name the responsibility for the payment ... Read More »

                          More People Preparing to Eat Dog Food in Retirement


                          To make it through tough times more Americans have borrowed, stolen or raided their small retirement funds to make ends meet. Loans from retirement funds jumped 20 percent last year. This really can’t be a big surprise to many. Faced with difficult financial decisions people will tend to gravitate towards the oath that seems easiest and less painful immediately. It’s ... Read More »

                            Consumer Debt a Growing Problem in Canada and Australia

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                            Recent reports out of Canada and Australia paint a similar picture for consumers in both countries. Consumers are loading up on consumer debt and it is becoming a concern for regulators. Right now levels are about the same, consumer debt is approximately 150 percent of income. Both Canada and Australia have experienced less unemployment that the United States or even ... Read More »

                              Sports Agent That Inspired ‘Jerry Maguire’ Files for Bankruptcy

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                              Financial problems are not limited to just those down and out. High flyers run into their share of trouble as well. Sports agent Leigh Steinberg who is said to be the inspiration behind the movie character Jerry Maguire filed for bankruptcy recently. Steinberg is reported to have represented NFL players Troy Aikman, Steve Young and Ben Roethlisberger is now publicly ... Read More »

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