Debt collectors latest scam involves charging convenience fees for online or over the phone payments. These "pay to pay" fees are a clear violation of the Fair Debt Collections Practices Act and the Florida Consumer Collection Protection Act.
Asking questions without disclosing any personal information is the best way to smoke out a scam debt collector. These cowards and con-artists typically only go for the easy scores so a serious of pointed questions will probably chase them away.
Corporations have been aggressively buying single-family homes since 2018 and they are targeting certain demographics. Soon they will target all demographics if they are not stopped.
Lets take a deeper dive at June's housing numbers and see how these look from a historical perspective.
More than 43,000 complaints for inaccurate credit reporting were filed by active service members in 2021. These inaccuracies are risking security clearances, jobs, and our military's ability to effectively do the job.
Rising interest rates are pricing out 20 million possible homebuyers. The real estate market is heading for a bleak downturn. What should you know and what should you expect?
Don't expect sales to grind to a halt or prices to drop for now, but the slow down is real and the drop will be at least 40-50%.
Credit card debt is being used at record levels so far in 2022. This is a result of working consumers being unable to afford the cost of everyday goods. What happens to the economy when credit runs dry? That remains to be seen.
Allowing debt collectors to use social media platforms to seek out consumers was always a bad idea. This recent settlement by the CFPB against JPL Recovery Solutions; Regency One Capital; ROC Asset Solutions; API Recovery Solutions and Northern Information Services; Check Security Associates; Warner Location Services; Pinnacle Location Services; Orchard Payment Processing Systems; Keystone Recovery Group and Blue Street Asset Partners, is just the tip of the iceberg when it comes to illegal debt collection activity.
Consumers are opening credit card accounts at record pace while inflation and corporate gouging are driving up interest rates. Why bankruptcy will be the right move for millions at some point in the next 2 years.
Credit repair is not real and there is no way to remove accurate financial reporting from your credit. But, there are other strategies that are real and very effective if you have an open mind.
Interest rates and inventory are rising, demand is slowing, and the market is intentionally slowing down with prices soon to drop between 5-20% in many markets.
Will overvalued homes in the top housing markets in America lead to the bursting of the current housing bubble and a significant rise in foreclosures? We will soon find out.
Lack of new construction and corporate landlords contributing to skyrocketing rent
Medical debt is the worst kind of debt there is for a number of reasons. Not only should medical care be relatively free, but most debts are fraudulent to begin with due to intentional schemes by hospitals and large medical providers to defraud the public.
Just because a debt collector knows your social security number and date of birth doesn't mean they are legitimate. Don't confirm the information. Ask for a debt validation letter in writing.
The Florida Homeowner Assistance Fund is offering to help homeowners struggling with mortgage, insurance and utility payments on their homes. You can apply today.
Big Insurance is killing homeownership in Florida.
Goldman Sachs and other billionaire investment funds are squeezing your ability to create wealth and they won't stop until every last dollar in the world is in their pocket.
Population Growth in the Tampa Bay area and throughout Florida make it seem unlikely the housing market will burst anytime soon.
Corporate price gouging aka inflation is leading to record increases in consumer debt all across America,
Consumers are being forced to pay medical debts that are not their because debt collectors are attacking their credit scores.
The Consumer Financial Protection Bureau says that student loan companies are lying to borrowers and 'abusing the bankruptcy system.'
Foreclosure increases in Tampa, Miami, Jacksonville, Lakeland and Orlando put Florida #2 in the country in overall foreclosure rates.
EasyPay Finance, through awful banks like TAB Bank, are giving puppy loans on new purchases that turn out to carry 130%-180% interest.
Our law firm only represents consumers and we have built our entire practice around that fact.