For most of the companies I have researched so far, there are usually multiple articles written by other people who are critiquing the service from an objective point or view or are writing about if the service helped or hurt them. Just going directly to the company’s website and getting all the information there would clearly be biased because the company is selling a product and wants to play up the positives, while downplaying the possible drawbacks. This article is about Delaware Debt Consolidation and Credit Counseling Services (delawaredebtconsolidation.com). I couldn’t find anyone evaluating the company’s services, so everything I say about it comes from its website. Continue reading
Consumer Protection
TaxMasters is Hit With Minnesota Lawsuit for Fraud and Deceptive Trade Practices
TaxMasters has been served notice of a lawsuit filed by Minnesota Attorney General Lori Swanson. Swanson’s suit is for consumer fraud and deceptive trade practices in regards to TaxMasters’ advertising and sales practices. It follows similar actions against TaxMasters by the state of Texas. Continue reading
North Carolina Payday Loans are Illegal
Today in North Carolina payday loans are illegal. It is against state statutes to charge interest rates that exceed a 36% APR.
State regulators went to battle with payday lenders from 2005-2006. Attorney General Roy Cooper obtained consent agreements in March 2006 from Check Into Cash, Check ‘n Go and First American Cash Advance, who each agreed to stop issuing loans with interest rates above the 36% annual usury limit. Continue reading
Federal Crimes Investigation Unit and Other Fraudulent Debt Collectors
The Federal government does have entities that pursue financial crimes. They are known as the Federal Trade Commission, the Federal Bureau of Investigation and other official departments. Scammers are trying to cash in by claiming that the Federal Crimes Investigation Unit or the United Financial Crimes Division are special government agencies that are investigating you for an unpaid payday loan. In reality, this is another payday loan collection scam. Continue reading
The Dark Side of Charities
Have you ever gotten an email from a Nigerian prince who wants you to give him money? If you have not, that email is coming at some point. Continue reading
No Hidden Fees… For Real
As has been said a few times, credit lending and checking your credit scores are big deals. Peoples’ ability to take out loans and make purchases can be based entirely on a three digit number. So obviously your credit score is something worth managing and taking care of. However, if you do not care too much about paying for software or services that merely approximate your credit score, you might want to give annualcreditreport.com a look. Continue reading
Should Insurance Companies Be Allowed to Charge Obese Patients More?
Obesity Is Risky
There are several aspects of insurance that many of us seem to misunderstand. Insurance costs, be it car, life, health, or lightning insurance, represents the amount of risk undertaken by insurance companies to insure you. Continue reading
What is private mediation?
A private mediation is defined as the art of negotiating differences between two parties. These meetings are typically conducted by an impartial third party group and are used to resolve differences via an unbiased perspective. Continue reading
Credible Debt Relief Companies are Usually the Quietest
One good way to help reduce your debt is to acquire the help of a debt relief company. However, this can be a daunting task. There are many companies out there that charge excessive fees or do not do enough to help fix your debt. This article will help you determine how to pick out the right kind of debt relief company for you. Continue reading
Is LifeLock Identity Theft Protection Worth Paying For?
The marketing was impressive. LifeLock’s CEO Todd Davis was so sure that his company’s identity theft prevention services were so effective that he publicly displayed and broadcast his own social security number. It was an effective ad campaign, and LifeLock brought in a lot of business because of it. Recent government action against LifeLock suggests that some of their services were overstated, which warrants a closer look at what LifeLock claims to do and what you get for your money. Continue reading
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