I cannot emphasize the importance of a good credit score enough, however when minimum payments are taking over your life, you are most likely one slip up away from damaging that score, and not in a position to enjoy the benefits of a high credit score. The reason for...

What is the Fair Credit Reporting Act? The Fair Credit Reporting Act[1] (“FCRA”) was enacted by congress in 1970 with the goal of protecting consumers from inaccuracies, unfair reporting practices, and privacy breaches by credit reporting agencies.  The FCRA helps to...

What is the Fair Debt Collection Practices Act? The FDCPA, also known as the Fair Debt Collection Practices Act, was enacted in 1978 by Congress because of a finding of “abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many...

Anyone facing large amounts of debt is under a seemingly insurmountable level of pressure.  Not only getting out of the debt seems daunting, but the options can be just as confusing and stress-inducing as the debt itself.  There are three terms most people are likely...

Studies Show High Debt Can Increase the Chances of Mental and Physical Health Problems. It is no surprise that having debt can cause stress.   However, those studying the effects of debt related financial pressure were surprised to see the dramatic impact on mental...

Clients in a debt settlement program may become eligible for a consolidation loan.   A consolidation loan creates an opportunity to expedite the debt settlement process, but these loans come with pros and cons that should be understood by the client. HOW CONSOLIDATION...

Why We offer Debt Settlement Our law firm has helped thousands of people get a fresh start with debt settlement.  We have seen the positive impact it can have on people’s lives. And studies back our observations. According to the American Fair Credit Council, on...