Tag Archives: contract law

Unfair Debt Collection?

Debt collectors are like cops:  do not assume tell the truth when they are interrogating you.

Cops are free to lie to suspects.  Debt collectors, not so much.

And creditors, like, say, American Express, also have some constraints on their collection efforts.

DON’T BELIEVE THE ENEMY.  If the cops are interrogating you, they are NOT on your side.

Your credit card company is not your friend.  They are not your advocate.

Debt collectors are in it for the money.  Not your health and well-being.

Creditors are exempt from the Fair Debt Collection Practices Act, though they may be subject to state law provisions where you live.

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5 Worst Insurance Bets

I have selected my five worst insurance bets. What are yours? 1.  Credit Life You are already in the hole, you owe money, and they tell you, hey, you want your spouse and kids saddled with this debt? Oh no, me?  I am a nice guy, I don’t want to do that. Most likely, checkContinue Reading

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Beware Debt Collectors – on Facebook!

Over 250 million people are on Facebook. My own use of Facebook has changed. I used to check my friends every day, update my status at least that often. I changed my birthday after my brother told me he used the wrong one to thwart identity thieves. Everyone should all be careful about what informationContinue Reading

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Home: Rent Or Buy?

The New York Times recently published an elaborate chart of the cost of renting versus buying a home. Well, I could not get past the first line before I had a problem with their analysis. It assumes home values will increase 1% per year. This is the thinking that provided the foundation for the currentContinue Reading