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Recent Success Stories


How many tax brackets are there?

Friday, January 30, 2015
For tax year 2014, there are seven major tax brackets –10%, 15%, 25%, 28%, 33%, 35% and 39.6% — and how much you pay in taxes depends on your income and whether you are single, married or the head of your own household. To file as head of household, you must be single on the last day of the year, have paid more than half the cost of keeping up a home for a year and a qualifying pe ..

Two debt collectors calling about the same debt, is that legal?

Wednesday, October 01, 2014
Receiving a notice from a debt collector is generally unpleasant. Getting two such notices is even less enjoyable. Getting two collections letters from different companies regarding the same debt? Not only is that frustrating, it can be extremely confusing. If multiple companies contact you about a single debt, there are a few things you should do. First, if you’ve interacted with the c ..

How to Handle Debt Collector Scams

Monday, September 29, 2014
The debt collections industry in the U.S. is so under-regulated these days that even debt collectors are getting scammed by debt collectors, as the New York Times Magazine illustrated in a lengthy feature this past weekend. When a debt is left unpaid, it’s common practice for lenders — banks, credit card companies, cell phone providers, hospitals, car dealers — to sell the  ..

5 times credit card rewards aren't worth it

Monday, July 28, 2014
Rewards credit cards can sound like a great deal. First, there are the generous sign-up bonuses that can be worth hundreds of dollars. Next come the valuable points, miles and cash back that cardholders earn from their spending. Finally, there are the great perks that come with the top rewards credit cards. But like so many things, the reality of rewards credit cards can be entirely  ..

Tips for Consolidating Credit Card Debt

Wednesday, June 18, 2014
Feeling weighed down by high-interest credit card balances? These debt consolidation tips can help. 1. Check Your Credit Review your credit reports and correct any errors. An error on your credit report could prevent you from qualifying for the debt consolidation help that you need.’s free Credit Report Card can help you understand what’s inside your credit report, an ..

Fannie and Freddie Looking for a 5% Home Price Growth in 2014

Monday, June 09, 2014
The numbers from the housing sector by and large have been weaker than originally expected during the first months of 2014. A new, revised 2014 outlook from Freddie Mac is out, and we have compared it to the most recent outlook from Fannie Mae from the end of April. The result is that construction and home sales are expected to be up. The bad news is that appreciation seems to have peaked, which w ..

4 Fees You Shouldn't be Paying

Monday, June 02, 2014
Creating a budget may not be at the top of your can’t-wait-to-do list, but it should be on your to-do list. The idea of a budget is to look at the money you have coming in and compare it with the money you have going out. It gives you a way to see where you are wasting money and how you can redirect it to smarter uses. One of the big things a budget can show you is money leaks, like fees you ..

The worst money mistakes you can make at any age

Wednesday, May 28, 2014
Everyone makes mistakes with money. We don’t save enough, or we spend too much on something frivolous. We sell shares in a stock too soon or not soon enough. “But there are also financial concerns that are unique to different stages of life,” says Joel Ohman, CFP and founder of Avoiding them as you go along can save you a lot of stress (and money!) both no ..

Do-It-Yourself Debt Reduction

Wednesday, May 21, 2014
With a little dedication and prior planning, it is possible to reduce your debts on your own. Why pay debt counselors and consolidation agencies fees for things you can do yourself? shows you the tricks of the trade and the fastest way to reduce your debts on your own. Step 1: Evaluate Your Debts Collect all your financial documents and print out your credit reports to see ex ..

Statue of Limitations On Debt Collection by State

Wednesday, May 14, 2014
The statute of limitations (SOL) is the length of time a creditor or debt collector can file a lawsuit against you. Typically, the statute of limitations starts when you miss your first payment and go delinquent on the debt. Many consumers confuse the credit reporting statute of limitations with debt collection statute of limitations. In many cases, the statue of limitations to collect a  ..


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Disclaimer: Improvement of your credit score and/or particular results vary per client. We cannot guarantee any results or improvement as stated in our Guarantee Disclaimer. Following our best results practices and educational consulting, we do typically see improvement in credit scores.