Apr 24, 2017

There are Abusive Debt Collectors Operating in Georgia

April 24th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Recently, Georgians who have been harassed by debt collectors have filed a record number of complaints with the Consumer Financial Protection Bureau (“CFPB”). Even though there are both federal laws and state-specific laws that regulate what debt collectors and collection agencies can and cannot do, some collectors are still using illegal and unscrupulous tactics. Many [...]

Apr 21, 2017

Have You been Harassed by this Ohio Law Firm that was Recently Sued by the Consumer Financial Protection Bureau for Illegal Debt Collection Practices?

April 21st, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Operating out of Cleveland, Weltman, Weinberg & Reis, a debt collection law firm, has racked up a ton of online consumer complaints over the years. Because they operate as debt collectors, it isn’t surprising that Ohio consumers are never happy to deal with this debt collection law firm. However, a recent lawsuit filed against Weltman, Weinberg [...]

Apr 20, 2017

Top Five Tips for Michiganders to Raise their Credit Scores?

April 20th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Earlier this year, WalletHub.com ranked 2,534 U.S. cities according to the average credit scores of the consumers who live there. And while, Michigan has been making noticeable improvement on the credit front, a few cities in the Great Lakes state are still struggling with their ratings. In fact, three Michigan cities are among the bottom [...]

Apr 19, 2017

Arizona Drivers with Poor Credit are Paying WAY too Much for Car Insurance

April 19th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

If you live and work in Arizona, there’s a good chance that you need to drive a car. According to Walk Score®, the three largest cities in the Grand Canyon State (Phoenix, Tucson, and Mesa) are all considered “car-dependent.” And, of course, vehicle ownership requires at least minimal car insurance coverage. In fact, if you’re [...]

Apr 18, 2017

Some Credit Repair Companies May be in Violation of the Georgia Fair Business Practices Act

April 18th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

There are many legitimate credit repair companies out there that can actually live up to their claims. But, unfortunately, you’ll also find a few scam artists disguised as legitimate companies. If an offer looks too good to be true, it probably is. For example, if a service claims that it can fix your credit instantly [...]

Apr 17, 2017

Why Michiganders Should be Aware of New MIDLAND CREDIT MANAGEMENT Credit Reporting Policies

April 17th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Do you have a past-due account that was purchased by Midland Credit Management ("MCM")? If so, you should definitely make yourself familiar with their updated credit reporting practices. As of October 11, 2016, it should be easier for consumers with debt that is owned by MCM to improve their credit. Based in California, Midland Credit [...]

Apr 14, 2017

Arizona Debt Collection Agencies are NOT above the Law

April 14th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Anyone who has ever been bullied by a debt collector will be happy to hear that the Federal Trade Commission (FTC) recently brought the gavel down on yet another unscrupulous agency. American Municipal Services Corporation and its owners, Lawrence Bergman and Gregory Pitchford, have been slapped with a $350,000 penalty for engaging in illegal collection [...]

Apr 13, 2017

Identity Theft is a HUGE Problem in Georgia

April 13th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

The good news is that you live in the beautiful state of Georgia, but the bad news is that identity theft is still on the rise in the Peach State. In 2016, Georgia was ranked number three in the nation for identity theft complaints, with Atlanta coming in at number 13 among large metro areas. [...]

Apr 13, 2017

Michiganders Have a lot of Complaints about Credit and Debt Issues

April 13th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Attorney General Bill Schuette has recently released the annual Top Ten Michigan Consumer Complaints for 2016. Once again, credit and financial concerns dominate the list with a total of 12,217 complaints received in this category. Within this category, it appears that Michigan consumers are most concerned about debt collection and credit reporting, having filed 641 [...]

Apr 11, 2017

Consumers Beware: Credit Card Shimmers have Reached Arizona

April 11th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

While sounding like accessories that fashionable 20-somethings might use to bling out their plastic, credit card “shimmers” are actually new identity theft tools. Experts report that these tiny, illegal devices have been found throughout the valley, and they may be coming soon to a gas station near you. How Skimmers and Shimmers are Different You [...]

Apr 10, 2017

Has a Credit Check Caused You to Lose a Job Opportunity in Georgia?

April 10th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Believe it or not, some employers run credit checks on job applicants, and they might base their decision on what they find. Many qualified candidates have lost out on positions because of blemishes on their credit reports. Because this practice is often viewed as discriminatory, 11 states have outlawed or placed strict restrictions on employer [...]

Apr 7, 2017

Michiganders Beware: Identity Theft is a Big Problem in the Mitten

April 7th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Identity theft is on the rise everywhere, but Michigan residents should be especially on guard against fraudsters. Last year, according to the Federal Trade Commission (FTC), Michigan ranked sixth in the nation for ID theft reports, with 15,684 filed. So, why are so many Michiganders being targeted for identity theft? Experts believe that it has [...]

Apr 6, 2017

How Arizonians can Protect Themselves against Harassing Debt Collectors

April 6th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Back in 2011, the Arizona statute of limitations for credit card debt collection doubled. So, debt collectors can sue consumers for up to six years after an account is delinquent. This gives collection agencies a long time to threaten and harass you before taking you to court. Fortunately, a law was created to protect consumers [...]

Apr 4, 2017

How the Georgia Industrial Loan Act Fights Predatory Lending

April 4th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

  Have you ever heard the term “predatory lending?” It might make you think of big animals with big teeth. And maybe that $200 you need to make it until your next payday is in the mouth of the meanest looking gator you’ve ever seen. You really need the cash, and the money’s right there, [...]

Mar 27, 2017

EXPERIAN ORDERED TO PAY $3 MILLION FOR LYING AND CHEATING CONSUMERS ABOUT SELLING THEM THEIR ACTUAL CREDIT SCORES

March 27th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

The Consumer Financial Protection Bureau (known as the CFPB) hit Experian with a whopping $3 million penalty this week for lying and cheating consumers.  Experian has been hawking the sale of credit scores that it told consumers were actually used by lenders.  It turns out that these scores were NOT the ones used by the [...]

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