Latest Blog Posts

TJX Credit Card

Creditors like The TJX Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Synchrony Bank violated the law, you may be entitled to money damages and Synchrony Bank will pay our fees and costs. You won’......

Dollar Dime Recovery Solutions

Debt collectors like Dollar Dime Recovery Solutions cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Dollar Dime Recovery Solutions violated the law, you will get money damages and they will pay your attorney’s fees and costs. ......

Volkswagen Service Card

Creditors like The Volkswagen Service Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Volkswagen Service Card violated the law, you may be entitled to money damages and The Volkswagen Service Card will pay ......

Tractor Supply Company® Personal Credit Card

Creditors like The Tractor Supply Company® Personal Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Tractor Supply Company® Personal Credit Card violated the law, you may be entitled to money......

Toro Credit Card

Creditors like The Toro Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If the Toro Credit Card violated the law, you may be entitled to money damages and the Toro Credit Card will pay our fees and costs. Y......

The Tire Kingdom Credit Card

Creditors like The Tire Kingdom Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Tire Kingdom Credit Card violated the law, you may be entitled to money damages and The Tire Kingdom Credit Card will p......

The National Tire & Battery Credit Card

Creditors like The National Tire & Battery Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The National Tire & Battery Credit Card violated the law, you may be entitled to money damages and The N......

The Merchant Tire Credit Card

Creditors like The Merchant's Tire Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Merchant's Tire Credit Card violated the law, you may be entitled to money damages and The Merchant's Tire Credit Ca......

The Just Tires Credit Card

Creditors like The Just Tires Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Just Tires Credit Card violated the law, you may be entitled to money damages and The Just Tires Credit Card will pay our......

The Home Depot Consumer Credit Card

Creditors like the Home Depot Consumer Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If the Home Depot Consumer Credit Card violated the law, you may be entitled to money damages and the Home Depot Consum......

The Goodyear Credit Card

Creditors like The Goodyear Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Goodyear Credit Card violated the law, you may be entitled to money damages and The Goodyear Credit Card will pay our fees ......

The Brooks Card

Creditors like The Brooks Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Brooks Card violated the law, you may be entitled to money damages and The Brooks Card will pay our fees and costs. You won’t ......

The Brooks Brothers Platinum Mastercard

Creditors like The Brooks Brothers Platinum Mastercard cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If The Brooks Brothers Platinum Mastercard violated the law, you may be entitled to money damages and The Brooks Br......

Staples Personal Credit Card

Creditors like Staples Personal Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Staples Personal Credit Card violated the law, you may be entitled to money damages and Staples Personal Credit Card will p......

Sidney Thomas Jewelers

Creditors like Sidney Thomas Jewelers cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Sidney Thomas Jewelers violated the law, you may be entitled to money damages and Sidney Thomas Jewelers will pay our fees and co......

Sears Mastercard

Creditors like Sears Mastercard cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Sears Mastercard violated the law, you may be entitled to money damages and Sears Mastercard will pay our fees and costs. You won&rsquo......

Sears Home Improvement Account

Creditors like Sears Home Improvement Account cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Sears Home Improvement Account violated the law, you may be entitled to money damages and Sears Home Improvement Account ......

Texas Company Fined $3 Million in Tenant Screening Report Accuracy Case

Landlords have a lot invested in their property. It’s understandable that they want to rent to responsible, trustworthy tenants. Naturally, they have a system for checking tenants before making the decision to rent or not. Potential tenants, in turn, expect that the information landlords receive about them is accurate. But what happens if it isn’t? ...

Court Rules Credit Inquiry Is an Attempt to Collect Debt

Americans use a great deal of credit. From big-ticket purchases like cars to student loans to credit cards for medical bills, we are in the habit of borrowing first and paying back later. Problems can arise for all kinds of legitimate reasons, leading to debt collection attempts. Consumers can avoid problems by learning about their rights. The federal Consumer Credit Protection Act, ......

Highlights of the Fair Debt Collection Practices Act Annual Report

Debt collectors and consumers who buy on credit have one thing in common: they should both pay attention to The Fair Debt Collection Act Annual Report. Released in March 2019, this yearly report contains information that can greatly affect both parties.&nbs......

The Three Major Credit Reporting Agencies

None of us think too much about a credit reporting agency until we need to open a line of credit. We fill out the application at the business or online and then we wait. While we are waiting, credit reporting agencies do their work.  Credit reporting agencies are private companies that sell information about credit history to potential creditors. They aggregate data on your spen......

What Do Companies Look for in Background Checks?

Business owners and HR professionals know that background checks are an essential part of the hiring process. What advantages do they offer employers, and what do companies look for when performing background checks? There are many good reasons to perform background checks when screening candidates, including helping the company make good hiring decisions, protecting the business fro......

What do Background Checks Reveal?

As you sign the release at the bottom of your employment application giving permission for a background check, you might wonder exactly what that investigation will reveal. What information might come to light as people rummage around in your past? The reasons for checking can vary, from a routine criminal background check that most potential employers require to an in-depth perusal ......

The Dark Side of Forced Arbitration

Do you recall that thick stack of papers you were asked to sign when you got your last job? Did you read the fine print on the contract you signed when you bought your last car? If you’re like most of us, you don’t remember what you signed and you didn’t read every page of that agreement. And in general, you won’t ever need to know what all that legal verbiage......

Mortgage Lenders and Servicers: What’s the Difference?

When home buyers approach a local bank or credit union for a home loan, they often think the institution will handle the mortgage entirely. This is not always true. As many homeowners learned during the implosion of the mortgage business in 2007, it’s critical to know the difference between a mortgage lender and servicer.  The mortgage lender sometimes referred to as the o......

Debt Collection Statistics in the United States

With credit cards, high-interest loans, mortgages, medical expenses, and more, Americans have a plethora of ways to get themselves in the red. As a result, 80% of Americans have at least one debt to their name, according to the Pew Charitable Trusts...

FTC Data About Collection Complaints

Debt collection is an enormous industry in the US, and it’s not always done correctly or ethically. As a result, there are hundreds of thousands of debt collection complaints made by US consumers every year. The Federal Trade Commission (FTC) collects and analyzes this data using the Consumer Sentinel Network, but very little of this information is actually published. A few yea......

Seniors and Credit Card Debt

It “started with back surgery,” explained one senior citizen who eventually declared bankruptcy. “I had several medical tests that my insurance did not cover. … The next thing I knew, the bills began piling up.” This senior citizen, whose story was told anonymously ...

Disputing an Error on Your Credit Report

Jerry Powell of Castle Rock, Colorado knows just how devastating an error on your credit report can be. At first, he couldn’t understand why he’d been turned down for the loan he needed to help him launch his new company, Takeaway Tables. It turns out the credit reporting agencies had ...

How to Check Your Credit Report

When was the last time you checked your credit report? If you’re afraid to do so, you’re not alone. According to a 2017 survey by WalletHub, about 14 percent of Americans are too scared to take a peek. Although we all know we should keep on top of our credit reports, most people aren’t aware of how easy it is to do so. Many people report that they don’t check ......

Know Your Rights When Dealing with a Debt Collector

It may have happened to you—a debt collector calls late at night or early in the morning, demanding payment on a debt they claim you owe. Maybe they also called your parents to talk about your debt. Perhaps they even threatened to have you arrested if you didn’t pay. Dealing with debt is stressful at the best of times. But dealing with debt when you’re behind on pay......

Controversial Background Check Startup, Checkr, Worth $2.2 Billion

As the gig economy has grown, startup background check company, Checkr, who is most notably responsible for background checks on Uber and Lyft drivers, has exploded as well. And while ridesharing helped the San Francisco-based Checkr to get established, companies like Adecco, Thumbtack, Hot Topic, DoorDash, and Warby Parker are now processing background checks through Checkr, which has compl......

Sears Card

Creditors like Sears Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Sears Card violated the law, you may be entitled to money damages and Sears Card will pay our fees and costs. You won’t owe us a dime f......

Ross-Simons Credit Card

Creditors like Ross-Simons Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Ross-Simons Credit Card violated the law, you may be entitled to money damages and Ross-Simons Credit Card will pay our fees and......

Quick Lane Card

Creditors like Quick Lane Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Quick Lane Card violated the law, you may be entitled to money damages and Quick Lane Card will pay our fees and costs. You won’t ......

Pacific Sales Credit Card

Creditors like Pacific Sales Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Pacific Sales Credit Card violated the law, you may be entitled to money damages and Pacific Sales Credit Card will pay our fe......

Office Depot Personal Credit Account

Creditors like Office Depot Personal Credit Account cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Office Depot Personal Credit Account violated the law, you may be entitled to money damages and Office Depot Person......

My Best Buy Visa

Creditors like My Best Buy Visa cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If My Best Buy Visa violated the law, you may be entitled to money damages and My Best Buy Visa will pay our fees and costs. You won&rsquo......

My Best Buy Credit Card

Creditors like My Best Buy Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If My Best Buy Credit Card violated the law, you may be entitled to money damages and My Best Buy Credit Card will pay our fees and......

Lincoln Owner Card

Creditors like Lincoln Owner Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Lincoln Owner Card violated the law, you may be entitled to money damages and Lincoln Owner Card will pay our fees and costs. You won......

L.L. Bean Mastercard

Creditors like L.L. Bean Mastercard cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If L.L. Bean Mastercard violated the law, you may be entitled to money damages and L.L. Bean Mastercard will pay our fees and costs. Y......

Kawasaki Credit Card

Creditors like Kawasaki Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Kawasaki Credit Card violated the law, you may be entitled to money damages and Kawasaki Credit Card will pay our fees and costs. Y......

Jewelers Reserve Card

Creditors like Jewelers Reserve Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Jewelers Reserve Card violated the law, you may be entitled to money damages and Jewelers Reserve Card will pay our fees and costs......

Honda Powersports Credit Card

Creditors like Honda Powersports Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Honda Powersports Credit Card violated the law, you may be entitled to money damages and Honda Powersports Credit Card wil......

Honda Power Equipment Card

Creditors like Honda Power Equipment Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Honda Power Equipment Card violated the law, you may be entitled to money damages and Honda Power Equipment Card will pay our......

Home Furnishings Credit Card

Creditors like Home Furnishings cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Home Furnishings violated the law, you may be entitled to money damages and Home Furnishings will pay our fees and costs. You won&rsquo......

Ford Service Card

Creditors like Ford Service Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Ford Service Card violated the law, you may be entitled to money damages and Ford Service Card will pay our fees and costs. You won&rs......

Exmark Credit Card

Creditors like Exmark Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Exmark Credit Card violated the law, you may be entitled to money damages and Exmark Credit Card will pay our fees and costs. You won......

Electronics & Appliances Card

Creditors like Electronics & Appliances Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Electronics & Appliances Card violated the law, you may be entitled to money damages and Electronics & Applian......

Drive Card

Creditors like Drive Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Drive Card violated the law, you may be entitled to money damages and Drive Card will pay our fees and costs. You won’t owe us a dime f......

Costco Member Credit

Creditors like Costco Member Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Costco Member Credit Card violated the law, you may be entitled to money damages and Costco Member Credit Card will pay our fe......

Cat Consumer Card

Creditors like Cat Consumer Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Cat Consumer Card violated the law, you may be entitled to money damages and Cat Consumer Card will pay our fees and costs. You won&rs......

BrandSource Credit Card

Creditors like BrandSource Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If BrandSource Credit Card violated the law, you may be entitled to money damages and BrandSource Credit Card will pay our fees and......

Big O Tires

Creditors like Big O Tires cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Big O Tires violated the law, you may be entitled to money damages and Big O Tires will pay our fees and costs. You won’t owe us a dim......

National Credit Systems

The Fair Debt Collection Practices Act (FDCPA), enacted on September 20, 1977 is a consumer protection amendment that does not allow debt collectors to harass, oppress, or abuse anyone that they contact in the event they are attempting to collect a debt. The act also f......

Hospital Collections

Nearly everyone has had to visit a hospital at some point in their lives, whether it be for an emergency, a surgery, or routine testing. When you, or your child, are in pain or you’re facing an uncertain health issue, the last thing you are thinking about is if you’ll be sued for your medical bills. Unfortunately, for many......

New Illinois Law Caps Interest Rates on Consumer Debt

Beginning January 1, 2020, the one in three Illinois residents that are behind in payments of loans and other consumer debtsthat have progressed to collectionswill be granted some relief in the never-ending debt cycle. Governor J.B. Pritzker signed the Consumer Protection Act (HB 88) into law in July 2019 which will lower the current interest rate from 9%, which is one of the highest......

Expedia Rewards Voyager Card from Citi

Creditors like Expedia Rewards Voyager Card from Citi cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Expedia Rewards Voyager Card from Citi violated the law, you may be entitled to money damages and Expedia Rewards......

Expedia Rewards Card from Citi

Creditors like Expedia Rewards Card from Citi cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Expedia Rewards Card from Citi violated the law, you may be entitled to money damages and Expedia Rewards Card from Citi ......

Citi Rewards Student Card

Creditors like Citi Rewards Student Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Rewards Student Card violated the law, you may be entitled to money damages and Citi Rewards Student Card will pay our fe......

Citi Rewards Card

Creditors like Citi Rewards Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Rewards Card violated the law, you may be entitled to money damages and Citi Rewards Card will pay our fees and costs. You won&rs......

Citi Prestige Card

Creditors like Citi Prestige Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Prestige Card violated the law, you may be entitled to money damages and Citi Prestige Card will pay our fees and costs. You won......

Citi Premier Card

Creditors like Citi Premier Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Premier Card violated the law, you may be entitled to money damages and Citi Premier Card will pay our fees and costs. You won&rs......

Citi Double Cash Card

Creditors like Citi Double Cash Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Double Cash Card violated the law, you may be entitled to money damages and Citi Double Cash Card will pay our fees and costs......

Citi Simplicity Card

Creditors like Citi Simplicity Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Simplicity Card violated the law, you may be entitled to money damages and Citi Simplicity Card will pay our fees and costs. Y......

Citi Secured Mastercard

Creditors like Citi Secured Mastercard cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Secured Mastercard violated the law, you may be entitled to money damages and Citi Secured Mastercard will pay our fees and......

Citi Diamond Preferred Card

Creditors like Citi Diamond Preferred Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi Diamond Preferred Card violated the law, you may be entitled to money damages and Citi Diamond Preferred Card will pay ......

Wawa Credit Card

Creditors like Wawa Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Wawa Credit Card violated the law, you may be entitled to money damages and Wawa Credit Card will pay our fees and costs. You won&rsquo......

Sunoco Rewards Card

Creditors like Sunoco Rewards Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Sunoco Rewards Card violated the law, you may be entitled to money damages and Sunoco Rewards Card will pay our fees and costs. You ......

Shell Fuel Rewards Mastercard

Creditors like Shell Fuel Rewards Mastercard cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Shell Fuel Rewards Mastercard violated the law, you may be entitled to money damages and Shell Fuel Rewards Mastercard wil......

Shell Fuel Rewards Card

Creditors like Shell Fuel Rewards Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Shell Fuel Rewards Card violated the law, you may be entitled to money damages and Shell Fuel Rewards Card will pay our fees and......

ExxonMobil Smart Card

Creditors like ExxonMobil Smart Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If ExxonMobil Smart Card violated the law, you may be entitled to money damages and ExxonMobil Smart Card will pay our fees and costs......

Costco Anywhere Visa Card

Creditors like Costco Anywhere Visa Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Costco Anywhere Visa Card violated the law, you may be entitled to money damages and Costco Anywhere Visa Card will pay our fe......

AT&T Access Credit Card

Creditors like AT&T Access Credit Card cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If AT&T Access Credit Card violated the law, you may be entitled to money damages and AT&T Access Credit Card will pay ......

Citi AAdvantage Platinum Select World Elite™ Mastercard®

Creditors like Citi AAdvantage Platinum Select World Elite™ Mastercard® cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. THE BEST PART IS… If Citi AAdvantage Platinum Select World Elite™ Mastercard® violated the law, ......