Wage garnishment is a legal process that allows creditors to take a portion of your wages to repay a debt. It is a stressful and frustrating experience, especially if you are already struggling to make ends meet. However, there are steps you can take to stop wage garnishments and protect your income. In this guide, … Read more
Identity theft is a growing problem that affects millions of people every year. It can cause significant financial and emotional damage. Recovering from an identity theft event can also be a long and difficult process. That’s why it’s essential to have an identity theft recovery plan in place to protect yourself from identity theft. The … Read more
Maintaining accurate credit reports and understanding credit reporting are crucial for financial success. Credit reports provide a snapshot of an individual’s credit history and financial behavior, which can impact a wide range of financial opportunities, such as obtaining loans, securing employment, and renting housing. Credit reporting agencies, also known as credit bureaus, collect and report … Read more
It only takes a few simple steps to report identity theft. Act now to clear up your good name, repair your credit reports, stop additional fraud, and end the devastating financial and emotional harm caused by credit card fraud and other financial crimes. What is identity theft Identity theft is the fraudulent procurement of your … Read more
Credit dispute letters are easy to write. Still, many cases come through my office where the disputes are so poorly written they are useless. More often the credit dispute letters were completed over the phone or Internet. Sometimes the disputes were sent by credit repair law firms who, despite their size, know nothing about the … Read more
Under the Utah Workers Compensation Act, debt collection agencies are not allowed to collect worker’s compensation medical debts from injured workers. Instead, worker’s compensation insurance is required to pay. This is true under the Fair Debt Collection Practices Act as well. Workers Compensation Medical Collection Efforts Work injuries are tragic. To make matters worse for … Read more
Conclusion Clearing up your credit and stopping debt collections of fraudulent accounts can be time-consuming, confusing, and frustrating. It can also be risky. You must swear under oath and penalty of perjury you had nothing to do with the fraud, did not authorize the fraud, and did not benefit from the fraudulent charges. Following these … Read more
Identity fraud increased 16 percent in 2016 with a record 15.4 million Americans falling prey to one form of identity theft or another according to the new 2017 Identity Fraud Study from Javelin Strategy & Research. The total amount stolen in 2016 also increased to $16 billion dollars. Card-not-present online fraud saw the biggest increase … Read more
Identity theft is an increasingly common occurrence in Utah. If you are a victim one important tool you have to protect you from future theft of your accounts is the ability to freeze credit reports. The credit report freeze can be quite effective in preventing the thief from opening new accounts in your name. What … Read more
Understanding your credit rating is critical to sound financial management. Your credit score is a direct reflection of how well you manage debt. It impacts interest rates, lending decisions, employment possibilities, and even whether or not you can obtain an insurance policy. Five components used to calculate your FICO Score FICO Scores are based on … Read more
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