What Is Debt Consolidation?

Pay Off Debt!

The average American is walking around with more than $90,000 in debt. This number includes consumer debt products, from mortgages and credit cards to personal loans and student debt. While taking on debt is considered a viable financial strategy in this day and age, it can also take a severe toll on you. If you have…

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How to Find Legal Help When You Can’t Afford a Lawyer


In criminal court, where you’re the defendant and can’t afford private legal representation, the court will appoint a public defender to argue your case. However, civil proceedings are different. By their very nature, such cases are discretionary. Therefore you do not have an automatic right to an attorney in civil litigation.  You cannot simply refuse…

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Are You Experiencing Debt Harassment?


If you’re facing debt harassment, you’re not alone; it’s an issue that affects millions of people throughout the United States. However, you and your family members don’t have to put up with the abuse either. State and federal laws protect your rights when companies attempt to collect a debt from you. Knowing and exercising these…

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6 Tips for Dealing with Debt Harassment by Collectors


Although you may owe a debt, it doesn’t mean that you have to put up with debt collector harassment. The situation is already stressful enough, and our laws protect your rights when debt collectors decide to take illegal actions. Learn to exercise them. Here are the six tips for dealing with debt harassment by collectors:…

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5 Actions Debt Collectors Are Forbidden to Take

Fair Debt Collection Practices Act

When falling behind on debt, companies generally turn your account over to a collection agency. It’s their job to recuperate their clients’ losses. However, they must act professionally and follow the rules under the Fair Debt Collection Practices Act (FDCPA). From misrepresenting affiliations to harassment, these are the five things debt collectors are forbidden to do: 1.…

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12 Easy Ways to Pay off Debt


Over the last fifteen months, many have suffered from loss of income, an uncertain future, or mounting debts. However, it is also true that consumer debt has shrunk since March 2020. Credit reference agency Experian saw a 9% decrease in credit card debts in the third quarter of 2020. Clearly, some have benefited from a year…

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