Understanding Credit Reporting and Credit Repair

Consumer Credit Report Dispute

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

How to Answer a Credit Card Lawsuit: A Step-by-Step Guide

Example affirmative defenses when answering a debt collection lawsuit

Credit card lawsuits are a common occurrence in the world of consumer finance. If you’ve been served with a lawsuit by your credit card company, it’s important to respond promptly and appropriately. If the credit card company hired a debt collection agency the same is still true. Failure to respond can result in a default … Read more

Debt Collection Calls to Third Parties and Employers

Revenge Porn Cease and Desist Legal Notice

Debt collection can be a stressful experience. It is less stressful when you know your rights as a consumer when dealing with debt collectors. In particular, debt collectors are not allowed to call third parties, family members, neighbors, co-workers, or your employer to collect a debt. They can call these third parties for other reasons … Read more

11 Word Phrase to Stop Debt Collectors

"Stop" painted on a wall

Numerous websites claim there is a magic 11 word phrase to stop debt collectors from collecting debts. That is false. The notion of an 11 word phrase to stop debt collectors is pretty much an Internet myth. It was created and perpetuated by individuals and marketing companies to sell advertisements and books. The truth is … Read more

Workers Compensation Medical Debt Collection

Workers Compensation Debt Collection Dispute

Injured workers are generally protected from debt collections of medical debts that occur at work. This is true under Utah law and the federal Fair Debt Collection Practices Act. In many cases you do not have to be victim to workers compensation medical debt collection practices. What is the Utah Workers Compensation Act? The Utah … Read more

Are Utah County Constables Collecting Debts Illegally?

Utah County Constable

If Utah County constable Michael Erickson, Utah County constable Rob Kolkman, or any other Utah County constable threatens to sell your personal property at a public auction to force you into a payment plan they might be violating your rights. These are valuable cases so don’t let them threaten, harass, or abuse you. Fight back! … Read more

Revenge Porn Laws

Woman at a computer frustrated and angry

What is Revenge Porn? Revenge porn laws protect against the distribution of sexually explicit images or videos of an individual without their consent. Revenge porn, also known as non-consensual pornography, often happens when a person shares sexually explicit content, such as nude or sexually suggestive photographs or videos of their partner or ex-partner with the … Read more

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