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Think Like A Lawyer Thursday
14 minutes | Apr 24, 2021
Earth Day 2021 Two Things to Do if You Are Considering Solar Energy
If you want to save the planet and save money by going solar, you need to do two things first. 1) Educate yourself about the types of solar energy available and which one may be right for you. 2) Be aware of typical scams and fraud and how to avoid them. Listen to find out if you’ll truly save money and participate in saving the planet!
7 minutes | Apr 9, 2021
It’s April- Don’t be fooled by false threats from debt collectors!
In this episode we discuss the false threats debt collectors often make to SCARE people into making payment on a debt when they don’t have the money- often at the expense of paying for rent, food, utilities and other necessary bills. We review a recent case where a debt collection company was falsely threatening people with lawsuits on past due consumer debt. Yorba Capital Management consented to being banned from the business of debt collection to settle an enforcement case filed by the Consumer Financial Protection Bureau. They also consented to a judgment against themselves for $860,000. Ironic that THEY were the ones that had legal action taken against THEM!
9 minutes | Mar 18, 2021
The Ides of March During the Pandemic- and Debt Settlement
To Romans the Ides of March was a time for settling debt. The first new moon of the year at this time was also a time for celebration. While we are celebrating the widespread rollout of the COVID-19 vaccines, many are struggling with debt. In this episode you’ll learn about dealing with your personal financial situation and free access to the book “Surviving Debt” a publication of the National Consumer Law Center.
11 minutes | Jan 29, 2021
Yo-yo Car Sales and Financing- Don’t Get Caught in this Trap
Many Car Dealers engage in a practice called yo-yo sales. They send you home thinking you have bought a car only to call you and say you have to bring it back because the financing “didn’t go through”. Learn the warning signs and what you can do to make sure this doesn’t happen to you. Know your rights and how to keep the original deal you made.
10 minutes | Jan 8, 2021
Beware of Early Wage Access Services
Susan Ingles discusses early wage access programs that are becoming more common. Learn how they can really be just like payday loans and not worth the risk of getting into what really amounts to just another cycle of debt.
7 minutes | Dec 26, 2020
Nationstar Mortgage, LLC dba Mr.Cooper settlement
SC Dept. Of Consumer Affairs and the Consumer Finance Division of SC State Board of Financial Institutions announce settlement of multi year investigation of state and federal laws. Tune in to find out what it means for you if your loan is serviced by “Mr. Cooper”.
5 minutes | Dec 18, 2020
FTC cracks down on CBD product sellers
The Federal Trade Commission announced the first 6 companies to fall victim to “Operation CBDeceit” enforcing rules against deceptive health claims by product makers that are unsupported by scientific evidence- here CBD -containing products.
14 minutes | Nov 20, 2020
Avoid COVID-19 scams offering vaccines, treatments & supplies or seeking your donation or investment
In this episode we review 7 scams surrounding the COVID-19 pandemic and 7 ways to avoid them. Don’t let your fears, desire to help or need for investment returns cause you to let your guard down. Scammers really come out of the woodwork when disaster strikes and they prey on these facets of human nature. Don’t get caught unawares!
11 minutes | Nov 12, 2020
What Lenders Say to Get You to Borrow- Top 10
Lenders who lend money at high interest rates use these top ten statements and more to convince you to borrow from them. Take your time to think about what it really costs and whether you will be able to pay it back.
5 minutes | Oct 9, 2020
Economic Impact Payment registration deadline extended for non filers
If you aren’t required to file an income tax return due to the amount of your annual income, and you haven’t filed a return for 2019 and don’t plan to, you can still register until Nov. 21, 2020 to receive an Economic Impact Payment
8 minutes | Oct 1, 2020
Loss Damage Waiver product results in violation of Consumer Financial Protection Act
Lobel Corporation entered into a consent order with the CFPB last week requiring it to pay $1,345,224 to car loan borrowers and a civil money penalty of $100,000 for unfair practices related to the Loss Damage Waiver agreement it requires borrowers to agree to.
9 minutes | Sep 24, 2020
CFPB enters Consent Enforcement Orders with 8 Mortgage Companies that targeted Veterans
This episode reviews a recent sweep by the Consumer Financial Protection Bureau that resulted in 8 mortgage companies agreeing to enforcement orders. The companies were targeting veterans and military service-members with mailers that contained false and deceptive information. Listen for moee details!
14 minutes | Sep 17, 2020
Foreclosure Moratorium Extended to December 31, 2020
Congress has extended the foreclosure moratorium on federally backed mortgage loans contained in the CARES Act to December 31, 2020. This episode explains what that means, how to find out if your mortgage is covered and also how to get a forbearance of the payments during the moratorium.
9 minutes | Sep 3, 2020
CDC issues Eviction Moratorium until Dec. 31, 2020
Find out if you qualify and what you need to do NOW to get the benefit of the CDC’s moratorium on evictions if you can’t pay your rent right now.
10 minutes | Aug 20, 2020
Beware of scammers impersonating power companies and threatening to cut your power
This episode describes the scam where you get a call from a utility threatening to cut off service if you don’t pay within an hour using store bought debit cards or gift cards. If this happens to you, ask yourself- - does the power company operate this way? The answer is NO! They don’t call and demand payment this way. They send a cutoff notice and, if you don’t pay, they cut off the service. Beware the scammers! Also know that during the pandemic Duke Energy has suspended cutoff for nonpayment.
6 minutes | Aug 13, 2020
It’s Shark Week - Avoid these Dirty Dozen scams, ripoffs and abuses
Predatory lenders target people who are already in difficult financial situations. In this episode we list 12 scams, ripoffs and loan abuses that can take a bite out of your financial transactions.
5 minutes | Aug 6, 2020
Credit Reporting During The COVI-19 Pandemic
Rules about credit reporting under the CARES Act when a creditor provides you with an accommodation on payment
8 minutes | Jan 2, 2020
New Robocall Law To Provide More Protection for Consumers
TRACED The Telephone Robocall Abuse Criminal Enforcement and Deterrence Act.
9 minutes | Dec 19, 2019
Gift Cards are for Gifts, not for payments! Never get duped into paying a scammer with a gift card.
It’s the season of giving and many of us give gift cards. Watch out for the other use of gift cards. Ways that gift cards are used in scams where scammers demand payment by gift cards are examined.
9 minutes | Oct 18, 2019
Federal Trade Commission Shuts Down Advocare’s Illegal Pyramid Scheme
On October 2,2019 the FTC announced a 150 million dollar settlement w/Advocare in which the company, its CEO and 2 top promoters are permanently banned from multilevel marketing and “distributors” may get some of their money back.
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