Can I Deal With a Debt Collector Over Email?

Managing Debt

Can I Deal With a Debt Collector Over Email?

Can I Deal With a Debt Collector Over Email?

Over the past 25 years, the way individuals communicate with each other has changed dramatically. From telephone calls and faxes to emails and text messages, advancements in technology have made it much easier for individuals to get in touch with one another. Today, individuals communicate through text messages and emails more than they do through telephone calls. Businesses… Read More

The 10 Best Markets for First-Time Homebuyers

Mortgages

The 10 Best Markets for First-Time Homebuyers

The 10 Best Markets for First-Time Homebuyers

Young people are flocking to cities like New York, San Francisco and Washington D.C., when perhaps they should consider places in North Carolina, Ohio and Tennessee — at least if they want to buy a home. First-time homebuyers often find gathering enough cash to make a down payment is their biggest obstacle, but millennials aren’t helping… Read More

Are You Ever Too Old to Need Life Insurance?

Personal Finance

Are You Ever Too Old to Need Life Insurance?

Are You Ever Too Old to Need Life Insurance?

As you get older, it may seem less and less prudent to carry life insurance. You could be retired, own your home outright and have kids who are self-sufficient. While for most people insurance is intended to protect you and your loved ones if you die prematurely, there are some financial situations where you may still need… Read More

7 Credit Score Myths That Will Still Surprise You

Credit Score

7 Credit Score Myths That Will Still Surprise You

7 Credit Score Myths That Will Still Surprise You

Surprise! Consumers are still confused about what goes into a credit report and a credit score. Given how opaque these things were for such a long time, it’s entirely predictable that confusion reigns. It’ll be that way for a while. Credit bureau TransUnion recently released a survey with more proof that the mythology built up… Read More

The Free Money You Might Be Missing Out On

Personal Finance

The Free Money You Might Be Missing Out On

The Free Money You Might Be Missing Out On

Have you ever dreamed about getting paid just for being you, or finding $1 million on the street? You are not the first to dream about free money. But you might be ignoring the easiest way to collect some: your 401(k) savings plan, a retirement tool that many employers offer. A 401(k) is a defined contribution plan, meaning an employee… Read More

Why Student Borrowers Deserve the Same Tax Break As Homeowners

Students

Why Student Borrowers Deserve the Same Tax Break As Homeowners

Why Student Borrowers Deserve the Same Tax Break As Homeowners

At a time when bipartisanship seems quaint, Senators Dean Heller (R-Nev.) and Debbie Stabenow (D-Mich.) appear to have set aside their ideological differences long enough to collaborate on legislation that would extend the Mortgage Forgiveness Debt Relief Act. Soon after the housing market collapsed, lenders reluctantly began modifying mortgages by abating interest and forgiving loan… Read More

Florida: The #1 State for Identity Theft

Identity Theft

Florida: The #1 State for Identity Theft

Florida: The #1 State for Identity Theft

Consumers filed nearly 2.6 million complaints with the Federal Trade Commission and other consumer groups in 2014, and identity theft was the most common kind, making up 13% of complaints, according to the annual Consumer Sentinel Network report. Identity theft is a national issue — the 332,646 identity theft complaints made 2014 the year with… Read More

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