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Affirmative Defenses That Don’t Work

(Last Updated On: February 10, 2021)

These defenses have been floating around the internet for years and are totally useless in the issues we deal with on this site.

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New Rules Implemented by The Consumer Financial Protection Bureau (CFPB) Clarify the Way Debt Collectors May Deal with Consumers

(Last Updated On: January 21, 2021)

The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to curb the abusive practices of debt collectors. The law has been used in court many times and has had many interpretations over time.

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How Will Unemployment Affect My Credit?

(Last Updated On: June 30, 2020)

If you’ve been laid off recently, the last thing you will want to worry about is how your credit report will be affected by this temporary situation.

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This program is not intended to be used as a method of defrauding banks, creditors, or any other organization that requires your social security number as identification. This program is not a method to avoid paying your existing or future debts. If you created the debt, you are responsible to repay that debt. However, we will not support, facilitate, nor condone any fraudulent activity. The information here is informational purposes only and for you to use at your own risk. We are not lawyers.
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