Kentucky is automatically erasing $250M in medical debt for 130,000 people. Who qualifies, scam warnings, and what to do if no letter arrives.
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.
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.
A caller says your Social Security number is suspended for criminal activity. It cannot be, ever. Here is what the FTC and SSA say about this scam call.
The FTC settled with Alex Mashinsky for $10M — but none of that reaches former Celsius customers. Your real recovery runs through the bankruptcy estate. Here’s how.
AI can clone your family member’s voice from a few seconds of a social media video. Here’s what the FBI documented — and the two defenses that actually work.
The Gas Express / Circle K data breach settlement is for employees, not customers. How to claim by Sept 3, 2026 — and lock down your credit.
Three drug companies agreed to pay $5.55 million over contaminated metformin. Claim window open now — here’s how to file before the July 10 deadline.
A federal lawsuit alleged fake VA emails and tracking pixels. Here are 7 red flags that any debt relief company is cutting corners to find you.
A Kalamazoo County retiree lost $1,051,000 to scammers impersonating the IRS through a laptop pop-up. His 401k, IRA, and bank accounts were drained. Learn how this scam works and how to protect yourself.
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?
