Can I Bypass a Debt Collector?

Managing Debt

Can I Bypass a Debt Collector?

Can I Bypass a Debt Collector?

When I am assisting people to resolve unpaid bills I’m often asked, “Why do I have to pay the debt collector? Why can’t I just pay my creditor or lender and avoid the collector all together?” A reader recently wrote in with just this question: I have a $5,000 balance on my credit card and… Read More

How I Paid Off $10K of Debt in One Year

Managing Debt

How I Paid Off $10K of Debt in One Year

How I Paid Off $10K of Debt in One Year

Moving to the U.S. quickly taught Ronald Rauga two financial lessons: College is expensive, and credit cards are easy to get. At least, that’s how it was for him when he left Kenya for Orange County, Calif., in 1998. He came to the U.S. to go to college, and during his first week in the… Read More

How to Get a Car Loan After Bankruptcy

Auto Loans

How to Get a Car Loan After Bankruptcy

How to Get a Car Loan After Bankruptcy

Buying a car can feel stressful enough, but when you have been through bankruptcy it may feel downright terrifying. No matter what the circumstances that led to your filing — large medical bills or a job loss, for example — you probably feel embarrassed and afraid that no one’s going to want to give you the time… Read More

What Happens to a Debt Collector That Gets Shut Down

Managing Debt

What Happens to a Debt Collector That Gets Shut Down

What Happens to a Debt Collector That Gets Shut Down

Travell Thomas is desperately trying to save his business, or at least part of it. His debt collection firm, Four Star Resolution, was raided during the morning on Feb. 11, as a result of a lawsuit filed by the Federal Trade Commission. Employees were told to leave immediately. A temporary restraining order now prevents Thomas… Read More

Can I Get a Seller to Pay My Closing Costs?

Mortgages

Can I Get a Seller to Pay My Closing Costs?

Can I Get a Seller to Pay My Closing Costs?

Closing costs are one of the most confusing and misunderstood parts of the homebuying journey. About a third of prospective buyers feel “not very” or “not at all” aware of them, according to a recent survey from real estate data and technology firm ClosingCorp. That can be a problem for buyers who jump into the homebuying… Read More

Alleged Identity Theft Victim Stranded in Mexico

Identity Theft

Alleged Identity Theft Victim Stranded in Mexico

Alleged Identity Theft Victim Stranded in Mexico

An American who travels frequently to Mexico has been stuck there since the beginning of March because someone reportedly stole his identity, the man’s lawyer said. Carlos Montoya lives in Los Angeles but went to Mexico for epilepsy treatment, his lawyer said in a March 23 news conference. When border agents took Montoya’s fingerprints as… Read More

4 Common Student Loan Problems & How to Deal With Them

Students

4 Common Student Loan Problems & How to Deal With Them

4 Common Student Loan Problems & How to Deal With Them

Many people who have finished college in the last decade have student loan debt, but some have found that repaying that debt is more complicated than they expected it to be. There are many resources for student loan borrowers trying to figure out repayment, and some go to financial planners for advice on how to manage their student loan debt… Read More

What Kind of Retirement Is Right for You?

Personal Finance

What Kind of Retirement Is Right for You?

What Kind of Retirement Is Right for You?

While many of us like to dream about retirement, too many of us don’t actually take the steps to ensure a financially stable life once your 9-to-5 schedule comes to a close. No matter your age, it’s a good idea to be putting money away for the future. A retirement calculator can help predict how… Read More

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