The 2027 COLA is expected Oct. 14, 2026. Medicare’s hold-harmless law protects Part B — but not IRMAA, Part D, or Medigap. Here’s the lever you control.
A nursing home is billing you personally after your parent’s death. Federal law bars a family guarantee requirement — here’s what to check first.
Quick Answer: The FTC filed a lawsuit against Certified Merchant Services, Ltd, indicating the company faced federal regulatory action for potentially deceptive practices. Businesses should exercise caution when considering services from companies under active FTC investigation or enforcement.The links for the FTC case v. Certified Merchant Services, Ltd can be found here.Before You Sign Anything: …
Quick Answer: Credit card companies can still sue borrowers even after charging off debt, as charge-offs are accounting functions required by banking regulations, not debt forgiveness. The charged-off debt remains legally collectible by the original creditor or debt buyers who purchase the account.“Dear Steve,I also was a victim of CMS and Brad Daley. I was …
Quick Answer: ContractLawDebtRelief.com appears to be a scam based on red flags including no company identification, use of discredited “novation” debt relief methods, and high-pressure sales tactics with $500 commissions per sale. The $5,000 fee and anonymous business structure suggest consumers should avoid this debt relief service entirely.“Dear Steve,i am considering paying a company $5,000 …
Quick Answer: Court Mediation Services appears to be a problematic debt settlement company that charges fees up to $5,000 while failing to protect clients from lawsuits. Multiple consumer complaint sites report issues with CMS, and clients like Susan are still being sued by original creditors despite enrollment in the program.“Dear Steve,Last year, I fell behind …
Quick Answer: Court Mediation Services appears questionable based on their agreement, which disclaims all warranties and guarantees while stating they provide no legal advice. The company’s contract language suggests clients may not receive meaningful debt resolution services despite paying fees.I recently answered a question for Susan regarding Court Mediation Services (CMS) and she was kind …
Did this conversation help?
Thank you. I'm glad you reached out.
You took an important step today. Come back any time.
Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
Conversations are saved anonymously. Personal details are automatically removed before storage. This is an AI — not a financial advisor, attorney, or therapist.
Not sure where to start?
Been here before?
