Law Firms Liable to CFPB for Debt Relief Up-front Fees


The Consumer Financial Protection Bureau (CFPB) is cracking down on law firms that offer debt relief services to consumers in the same way it has been cracking down on banks and other debt relief companies for misrepresenting their services and charging up-front fees. Two law firms have recently been found by a federal judge, to be in violation of federal consumer laws and can be held liable by the CFPB. Continue reading “Law Firms Liable to CFPB for Debt Relief Up-front Fees”

What is Debt-to-Income Ratio and Why is it Important?

What is a Debt to Income Ratio

When it comes to getting a mortgage, many people think their credit score is the most important number associated with their name. While a person’s credit score is important, along with how much money they have saved, there’s another number that is just as important, debt-to-income (DTI) ratio.


dti2 Continue reading “What is Debt-to-Income Ratio and Why is it Important?”

Credit Card Debt Relief

 Credit Card Debt


Credit card debt is one of the ugliest kinds of debt out there, and if you’re not careful, it can quickly get you into trouble. Getting out of debt is not easy, but it is something that needs to be addressed. The longer you wait to deal with the problem, the harder it will be to resolve it. While credit cards have their advantages, you need to be responsible when using them. The key is to be conservative in your approach to debt. Continue reading “Credit Card Debt Relief”

Rachel the Robocaller shut down by FTC, Florida attorney general

robo4Have you ever received pre-recorded sales calls from Rachel from Cardholder Services, Bank Card Services or Credit Assistance Program? Well, she has been put out of business so you will not be receiving any more calls from her.The Federal Trade Commission and the Florida Attorney General’s office have shut down the illegal robocalling operation.

Continue reading “Rachel the Robocaller shut down by FTC, Florida attorney general”

CuraDebt Receives Over 750 Five Star Reviews


The United States Tax center at has recently endorsed Curadebt, one of the Debt Relief companies on my review page, as the #1 tax debt relief company to work with.




“While there are many tax relief companies out there, there is only one company that is #1 rated by numerous online review sites, BBB A+ rated, with over 590 five star client reviews in Customer Lobby and has been operating over 14 years. This company is Curadebt and we at are proud to recommend them as the #1 Tax Relief Company for your state and federal tax debt issues.”  Continue reading “CuraDebt Receives Over 750 Five Star Reviews”

7 Reasons Why Your Credit Card Application Was Denied

7 Reasons Why Your Credit Card Application Was Denied (and what to do about it)

According to data from the Consumer Protection Financial Bureau (CPFB), credit card issuers approved fewer than 60% of all the credit card applications they received in 2014. This means almost half of those who applied for credit cards in 2014 were denied.

Application has been rejected concept for loan, mortgage, insurance claim form, finance or credit rejectionContinue reading “7 Reasons Why Your Credit Card Application Was Denied”

How to know whether you have too much debt.



One of the top debt relief companies in America today, National Debt Relief, recently published an article alerting consumers how they can know that they already have too much debt. The article titled “How Much Debt is Too Much Debt?” was published in March 2016 and takes a  look at some of the warning signs people need to pick up to know that they are already deep in debt. Continue reading “How to know whether you have too much debt.”

Get Real Debt Help, Not Empty Promises

image4When it comes to protecting your money and guarding your information, National Consumer Protection Week (NCPW), is a good time to get the best free consumer resources from federal, state and local agencies and consumer advocacy groups across the nation. The website has consumer resources on topics ranging from managing credit and debt, avoiding identity theft, staying safe online, and more.

Continue reading “Get Real Debt Help, Not Empty Promises”