Monthly Archives: December 2010

Just Say No!

You want to control your spending.

Spouse, kids, buy that Starbucks mocha for stress relief, lots of demands on your pocketbook.


Even if you need to spend the money, your kid needs the new shoes, start by saying:  “No.”

Maybe you want to look like you are keeping up with the Joneses, maybe you want somebody to like you, maybe you are buying somebody’s approval, maybe you figure the expenditure at hand is small, it will not break you.


Just say NO!

If you want to take control of your spending, you have to take control of the decisions.

If you lost control, it was at least partly due to saying yes to spending decisions you could not afford.


Of course, that is what makes it so easy to adapt.

Automatically say no to every request from someone else, or your own head, to spend money.

For 24 hours.

And there will be no more impulse buying that you later regret.

Payday Lending V. Credit Cards

As banks tighten lending standards, or, should I say, go back to having standards, they turn down more borrowers. Over the last 20 years, a new industry has sprouted in between traditional lenders and traditional oan sharks a la Tony Soprano. Payday lending. Some states, not Michigan, have gotten rid of these parasites. They getContinue Reading

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Spending On Your Kids, How Much?

Financial problems can be consuming and distracting. A client included, among the understandable issues of IRS tax liens, and not enough income to pay expenses, four children who will be disappointed at Christmas. This set me pondering. As a parent, I never considered it my duty or obligation, and certainly not, my goal, to avoidContinue Reading

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  1. Your posts are very informative. I’m in the, I never thought I’d be in this position, position. I’ve found a great attorney but I still have a ton of questions and you’ve helped answer a few.

Fighting The Zombies!

OK, not exactly a Christmas season image, but we continue our discussion of zombie debt, a/k/a junk debt. How to fight back? Have your credit report. The zombies have used a tactic called:  re-aging. Yeah, I know, aging is bad enough, why do it again? Because, debt has to be taken off your credit reportContinue Reading

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More Michigan Bankruptcy And Foreclosure News


The bailout cost for the “too big to fail” banks and mortgage companies has not even peaked. Taxpayers, like Joe Inhoch, our new fictional blog character, are on the hook hundreds of billions more, counting only the Fannie Mae and Freddie Mac loans that go south. Our politicians already already bailed out those companies, with Joe’sContinue Reading

Zombie Debt

How does a company you never even heard of, sue you? It might say, somewhere in the court papers, an old debt you may have owed was assigned to the company suing you. Or, to some other company you never heard of, and then to the one suing you. A buyer of junk debt. HereContinue Reading

Sued By A Debt Buyer?

You are sued by a company you never heard of. Somewhere in the papers, it says some debt you may have owed was assigned to the company suing you. A junk debt buyer. A Michigan resident called me last week. He had made a deal with a collection agency to settle a debt on aContinue Reading

2 Responses to Sued By A Debt Buyer?

  1. Perhaps a legislative fix is in order like what we did in North Carolina. Our debt buyer lawsuits dried up to a trickle.

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