AN INACCURATE CREDIT REPORT CAN COST YOU; We Can Help If A Creditor Will Not Fix Inaccuracies

You may not want to look at your credit report – but you should.  Your credit report can have a huge impact on your life.  It can determine whether you can get a loan for a new car or a house, or even whether a landlord will rent an apartment to you.

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Posted on July 12, 2017 in Articles, News

“Help! My wages are being garnished. I don’t know how it happened. How can I get it stopped?” Can it go on for years? WE STOPPED IT!

WE CAN ASSIST.  We often hear someone say that their wages are being garnished and they don't know how it happened.  Sometimes, there’s nothing we can do. Learn More

Posted on August 30, 2016 in Articles

Is Your Social Security Number Compromised? Then, “Freeze” It!

Identity theft is among the fastest growing crimes in the United States. In 2015 alone, more than 10 million Americans had their identities stolen and their financial information compromised.

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Posted on May 3, 2016 in Articles

Medical Debt

According to the Consumer Financial Protection Bureau, medical debt is far and away the number one type of debt reported on consumer credit reports.  Learn More

Posted on March 24, 2016 in Articles

Playing the odds

When you’re being pursued by a debt collector, sometimes it feels like the odds are against you. Even when you know that the debt is not yours. Learn More

Posted on February 19, 2016 in Articles

Delaware is only #2!

In a ranking of the 50 states plus Washington, D.C., Delaware has the second highest number of consumer financial complaints per capita registered with the Consumer Financial Protection Bureau. Delaware is second only to Washington, D.C. in this regrettable ranking. Learn More

Posted on January 26, 2016 in Articles

This Call is Being Recorded

So you’re getting harassing calls from a debt collector. You can’t believe some of the things he’s saying, and you’re not sure anyone else will believe them either. What should you do? Should you secretly record the calls? If you file a federal lawsuit for violations of the Fair Debt Collection Practices Act (FDCPA), that recording is powerful evidence of the harassment you have suffered.

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Posted on January 13, 2016 in Articles

Consumer Rights under the Fair Debt Collection Practices Act (FDCPA)

Many of us have debt: credit card debt, a car loan, a mortgage or medical bills.  Many of us know what it is like to fall behind on payments toward those debts.  But what many of us do not know is that we have rights under the Fair Debt Collection Practices Act (FDCPA) that can protect us from harassing, threatening, and illegal behavior by debt collectors. 

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Posted on June 18, 2015 in Articles

Improving Your Credit Report

   Many people underestimate the effect of negative information on their credit report.  Clearing negative information is worth your time and effort because it can save money in interest on loans and credit cards.  Below are five ways in which to get bad debt information removed from your credit report.

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Posted on May 18, 2015 in Articles

The National Do Not Call Registry

The Telephone Consumer Protection Act (TCPA) protects consumers from unsolicited telemarketing calls. (See blog titled "Telephone Consumer Protection Act” for a detailed discussion of the Act )  The Federal Trade Commission (FTC) has issued rules and regulations to implement the TCPA, and works with the Federal Communications Commission (FCC) to enforce them. 

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Posted on April 18, 2015 in Articles