Debt Collectors’ Jobs Just Got Harder

Managing Debt

Debt Collectors’ Jobs Just Got Harder

Debt Collectors’ Jobs Just Got Harder

A new court ruling may be giving more power to consumers trying to figure out if a debt collector’s phone call means they actually owe that debt. A July 16 ruling by the Sixth Circuit Court of Appeals elaborated on debt collectors’ obligation to respond to debt-verification requests, requiring collectors to provide details on the… Read More

How Americans Actually Pay for College

Students

How Americans Actually Pay for College

How Americans Actually Pay for College

Undergraduate borrowing hit a five-year low last year, with the typical family taking out $4,610 in combined parent and student education loans to finance the 2013-14 academic term, according to a new report from Sallie Mae. Student borrowing among low-income families dropped significantly, making up only 14% of their funding (as opposed to 22% the… Read More

Looking for Love? Watch Out for Sweetheart Scams

Identity Theft

Looking for Love? Watch Out for Sweetheart Scams

Looking for Love? Watch Out for Sweetheart Scams

At the Identity Theft Resource Center, we’re seeing an increase in in both frequency and severity of the sweetheart scam. Such scams happen when a criminal poses as a suitor who is romantically interested in the victim. As the online relationship progresses, the swindler begins to financially exploit the victim. In the past, criminals used personal ads and,… Read More

How to Upgrade Your Secured Credit Card

Credit Cards

How to Upgrade Your Secured Credit Card

How to Upgrade Your Secured Credit Card

When people are struggling to rebuild their credit, a secured card can offer them the opportunity to qualify for a credit card and establish a positive credit history. Unfortunately, secured cards also have several drawbacks compared with standard credit cards. For example, secured cards always require a refundable deposit that is held by the card issuer,… Read More

Can You Still Get a Good Deal on a Home?

Mortgages

Can You Still Get a Good Deal on a Home?

Can You Still Get a Good Deal on a Home?

The seesawing housing market continues to defy economists and expectations. Pending home sales dipped in June after a string of strong months, catching many by surprise. Mortgage rates are sinking back down near historic lows. Home prices are on the rise, but inventory is still tight in some communities. In short, it’s a tough time… Read More

The States With the Most Car Repossessions

Auto Loans

The States With the Most Car Repossessions

The States With the Most Car Repossessions

In many states, once you miss a payment on an auto loan, your creditor can repossess the vehicle at any time. Your loan agreement will state what constitutes default, but in general, you are risking repossession once your payment is more than 30 days past due, which is a chance you don’t want to take,… Read More

Is Studying Abroad Worth It?

Students

Is Studying Abroad Worth It?

Is Studying Abroad Worth It?

Meaningful experiences shape our views of the world and diversify the way we think. Whether studying at a community college or attending an out-of-state university, the college years are a time to explore, experience different things and meet new people. The world we live in is changing and it is vital that today’s students are… Read More

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