The average college student borrows at least a portion of his or her tuition money to attend a four year school. This means most young adults graduate college already in debt. For some, the amount owed by the time they enter the workforce is two to three times their annual salary. Having this much debt […]
Consumers were in shock this past holiday season when they heard sensitive financial information had been stolen from Target store shoppers. The problems got worse when other retailers admitted their systems had also been accessed by criminals. This recent rash of controversy reminds us all how important it is to protect our personal information, especially […]
New Year’s Day has come and gone, and many Florida residents likely made a resolution to get their financial house in order in 2014. Making such a resolution is one thing, but actually taking steps to eliminate debt may seem daunting. Many people wonder where to start and how to keep the momentum going. It […]
Many Americans in need of unexpected emergent care or suffering from chronic illness may already be dealing with the financial hardships that medical debt can bring. The Affordable Care Act is — many believe — supposed to provide some sort of relief to those constantly facing medical bills due to ongoing illness. Unfortunately, even though […]
Many Florida college students already have at least one credit card. They may charge seemingly small items like meals out with friends, groceries or other items that may not cost much on their own, but add up quickly. When a college student is home for the holidays, taking the opportunity to talk about credit card […]
At some point, most everyone in the United States goes to either a doctor or dentist. Medical bills for office visits and procedures deemed medically necessary can be daunting. Many doctors and dentists around the country and here in Florida now offer financing for patients right in their offices. Approximately 1.2 million patients who thought […]
Debt collectors have a notoriously bad reputation, as any consumer in Florida who has gotten behind on a debt can attest. There are rules in place to keep them from needlessly harassing people into bankruptcy, but the Fair Debt Collection Practices Act that provides those protections was passed in 1977. A plethora of complaints about […]
Regardless of the reason — the recession, medical emergency or other financial calamity — millions of people around the country struggle to deal with out-of-control finances. Not even celebrities are immune to financial hardships. Recently, singer Aaron Carter filed Chapter 7 bankruptcy in order to regain control of his finances. Thousands of Florida residents can […]
Florida consumers may not be aware that, for some time now, the U.S. Bankruptcy Court has strived for uniformity in the bankruptcy process. Specifically, the Judicial Conference Advisory Committees on Bankruptcy and Civil Rules have looked at this very issue with regard to the Chapter 13 bankruptcy process. Their discussions could result in a national […]
Most everyone in Florida loves the holidays. People are often in better moods, there are parties to attend and gifts to give and receive. However, the joy of the season can quickly become despair when the holidays are over and the credit card bills come in the mail. Many people are caught up in the […]
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