If you have health insurance and you received treatment at an emergency room that was billed to you as out of network you may have been scammed! As anyone who has been unlucky enough to have been injured or been sick and needed an ambulance, you later received a bill from an ambulance company. This...Read More

Being sued by a debt collector can be a difficult and nerve-wracking process. Working with a debt collection defense lawyer can help take the pressure off of you to make the process much easier and less stressful.  But hiring an attorney for debt defense comes with additional costs, so many people choose not to hire...Read More

Are you someone that finds themself in an unfortunate situation of being sued for debt collection or receiving harassing calls from debt collectors? You can try and handle the lawsuit and collectors without any help, however, that can be really hard to do if you aren’t familiar with debt collection. Debt collection can be an...Read More

What to do when you receive a Notice of Wage Garnishment and you have just started a new job? One of the effects of the pandemic was to shut the debt collection industry for a month or more when things just started.  The inability to put people in their little Stalinist cubicles close together in...Read More

The light is at the end of the tunnel, and the vaccines are eventually going to kick in enough to make a real difference and get us back to a ‘normal’ life, whatever that means. What I am reading from the science and medical journals is that we really cannot expect this pandemic to wind...Read More

Debt Collection is $14.5 Trillion Industry as of 2019 and it’s growing. Laws protect consumers by regulating how businesses and consumers handle the credit and debit transaction business. That way both the company and the consumer get fair treatment. By understanding the laws, you are better able to protect yourself. For the consumer, laws work...Read More

The debt collection industry is a huge deal. It is a multi-billion dollar industry and over 90% of consumers have to deal with at some point during their lifetimes. When the debt collectors violate those rules, they can cause havoc to people’s lives. The same violation also creates an opportunity for consumers to sue the...Read More

Your financial future depends on what’s in your credit report. Your ability to get a job, rent a place to live, get a loan, and a credit card are all dependent on having an accurate credit report free of errors. Credit report violations can be devastating. The Fair Credit Reporting Act of 1970 (FCRA) gives...Read More

This post comes to you on the Sunday before the national election for the United States president. Happy Halloween! Today we examine areas that are likely to impact many homeowners and consumers in the coming weeks and months: the CARES Act and debt collection. I’ve written earlier this year about forbearance with the CARES act...Read More

Josh, why do you do what you do? And, more importantly, how can that help me? Everyone of us are dealing with what I call the “Hedge Fund Society” … the society making its money by sucking the lifeblood from the rest of us. The Top 1% of Americans Have Taken $50 Trillion From the...Read More