I Paid a Credit Repair Company and Nothing Happened. Here’s What to Do
I paid a credit repair company and got nothing back. Here is exactly how to get your money back fast, and what federal law says they owed you all along.
advance fee ban
What Sallie Mae Just Told the SEC About a ‘Refinance’ That Is Actually a Default Trap
Sallie Mae told the SEC that some ‘refinance’ pitches are really pushing able-to-pay borrowers into default. Here’s the filing and what to do instead.
They Said I Won a Government Grant. I Just Had to Pay a Fee First
The government does not hand out personal grants for bills or debt — and never charges a fee to release one. Here is the FTC’s own warning, verified.
They Said I Have to Pay the Credit Repair Company First
Told to pay a credit repair company before it helps you? Federal law bans advance fees — and you can dispute credit report errors yourself for free.
They Said I Have to Pay the Debt Settlement Company Before They Do Anything
A debt settlement company telling you to pay a fee before they settle anything isn’t industry standard — it’s a federal violation. The FTC’s Telemarketing Sales Rule has banned advance fees since 2010.
I Paid a Debt Settlement Company and Nothing Happened. Here’s What to Do Right Now.
I paid into a debt settlement program for months — and nothing settled. You have legal rights: the FTC advance-fee ban and the right to get your escrow money back in 7 days. Here’s what to do right now.
Are Debt Settlement Fees Fair? What the Law Actually Says They Can Charge
Debt settlement fees are federally regulated — the FTC advance fee ban means companies cannot charge you before a debt is settled and you’ve made your first payment. Here’s what’s legal, what isn’t, and what to do if you’ve been overcharged.
