Midland Credit Management “Final Notice” Letters

If you have received a collection letter or series of collection letters from Midland Credit Management, Midland Funding, or any other company that make false legal threats or deceptive representations you can fight back. Midland Credit Management, Midland Funding, and other related companies are blanketing the country with threats and statements that are sometimes false. … Read more

Stop Debt Collectors from Seizing your Coronavirus Stimulus Payment

Coronavirus Stimulous Payment Seizure

Debt collectors are eager to take your Coronavirus stimulus payment. In many cases they will seek to garnish the stimulus money right from your bank account. Congress has not entered any legislation to protect these payments from seizures by debt collectors but there are still a few ways to protect your Covid-19 stimulus payment. Get … Read more

Debt Statute of Limitations in Utah

Statute of Limitations on Debt

By law, a statute of limitations prohibits collection agencies from suing you for old debts. The limitation period varies for different kinds of debt and can be re-started under certain circumstances so never assume a debt collector is barred from collecting a debt under the statute of limitations simply because the applicable time period has … Read more

Identity Fraud Reaches Record High Numbers

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

CFPB Debt Collection Survey

Today the Consumer Financial Protection Bureau released its recently completed Consumer Experiences with Debt Collection survey. The survey provides a comprehensive insight into consumer experiences with debt collection activity which occurs when a debt collector, collection attorney, or collection agency contacts consumers to collect unpaid debts. These debts include various past due loan and bill … Read more

Identity Theft Protection Company LifeLock Fined $100 Million for Deceptive Sales Practices

Identity theft protection services company LifeLockĀ® has been in trouble for deceptive practices and misleading consumers in the past but lately have been taking even more heat than before. In 2010, LifeLock entered into a settlement agreement with the Federal Trade Commission after it was accused of making false claims regarding the effectiveness of its … Read more

Ultimate Credit Score Guide

Ultimate Credit Score Guide from Eric Stephenson Understanding your credit score and what factors impact that score are crucial tools for building a healthy credit rating. Your credit score determines how much you will pay in interest rates to borrow money or even whether you will even get financing in the first place. Credit reports … Read more



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