What to Do If a Debt Collector Is Harassing You: Leveraging the Fair Debt Collection Practices Act
Debt collectors run the spectrum of those who typically follow the law to a T, to those who don’t care about the law at all and want to force/trick you…
How to Submit a Complaint to the Consumer Financial Protection Bureau (CFPB)
The Consumer Financial Protection Bureau (CFPB) is a federal agency dedicated to ensuring that consumers are treated fairly by banks, lenders, and other financial institutions. If you encounter issues with…
Credit Card Delinquencies are at their Highest in Over 12 Years
Delinquent credit card accounts, those which are at least 90 days behind, have traditionally seen the highest rates of serious past due accounts in the last 20 years. The rate…
What is the Fair Credit Reporting Act (FCRA) and How Does it Affect Your Credit?
The Fair Credit Reporting Act (FCRA), enacted in 1970, is a critical piece of legislation designed to protect consumers’ rights in the United States. This federal law regulates the collection,…