Recent Posts in Debt Management Category
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Posted on Aug 15, 2011 By Jacoby & Jacoby
Encore Capital Group Inc has been sued by the state of Texas based on allegations that the debt collector was using deceptive and illegal tactics to collect debts from consumers. Texas Attorney ...
Continue reading "Texas Attorney General Files Lawsuit against Debt Collector Encore" »
Posted on Aug 11, 2011 By Jacoby & Jacoby
Through the past decade, debt has become increasingly common for college students throughout the U.S. According to FinAid.org, the amount of student loan debt among graduating college seniors averaged ...
Continue reading "Debt - A Way of Life for College Students in America" »
Posted on Aug 8, 2011 By Jacoby & Jacoby
For the first time last year, student loan debt actually outpaced credit card debt. It is estimated that student loan debt will top one trillion dollars this year. The increase in student loan debt ...
Continue reading "Mounting Student Loan Debt Weighs Heavily on College Graduates" »
Posted on Jul 25, 2011 By Jacoby & Jacoby
Most consumers are relatively familiar with the concept of overdraft protection, and many have experienced firsthand the fees that may be incurred when one spends more than is in their checking ...
Continue reading "Why even bother with overdraft protection?" »
Posted on Jul 21, 2011 By Jacoby & Jacoby
It has become increasingly evident that a borrower's FICO score is one of the most important issues to be considered by financial institutions that underwrite mortgages. One's FICO score, or ...
Continue reading "Credit Scores and Mortgage Loans" »
Posted on Jul 18, 2011 By Jacoby & Jacoby
Medical debt presents may present a particular problem for consumers. This type of debt is significantly different than other types of debt that a consumer may need to deal with, such as credit card ...
Continue reading "Unpaid Medical Bills and Your Credit Score" »
Posted on Jul 14, 2011 By Jacoby & Jacoby
At the beginning of March 2011, Experian released interesting data regarding credit card spending over the 2010-2011 holiday season. Though the average debt on credit cards decreased by 4% compared ...
Continue reading "Brief Analysis of Credit Card Spending Over the 2010-2011 Holiday Season" »
Posted on Jun 6, 2011 By Jacoby & Jacoby
Consumers throughout the U.S. are borrowing again, but many are reluctant to borrow on credit cards. According to statistics from the Federal Reserve Board, the amount of outstanding credit card debt ...
Continue reading "Consumers are Still Borrowing, but Less on Credit Cards" »
Posted on May 31, 2011 By Jacoby & Jacoby
If you are one of many Americans over your head in credit card debt, paying off your cards may be easier said than done. Some borrowers see paying down debt as denying themselves the things they want ...
Continue reading "Debt Control Starts With Self-Control" »
Posted on May 27, 2011 By Jacoby & Jacoby
The recent recession has brought to light a key issue of concern: Americans' failure to live within their means. When the real estate market was on the rise, credit was all too easy to get and many ...
Continue reading "Can we take on the challenge of living within our means?" »
Posted on May 24, 2011 By Jacoby & Jacoby
How long will it take your credit score to recover after foreclosure or a short sale? The answer to this question will vary depending on the unique circumstances of your financial situation. It ...
Continue reading "Rebuilding Credit after Foreclosure" »
Posted on May 21, 2011 By Jacoby & Jacoby
The cost of health care is ever on the rise, and combined with the gaps in insurance coverage, many patients end up paying medical bills with credit cards. According to a report from McKinsey & ...
Continue reading "Medical Credit Cards: Before You Sign Up, Weigh the Risks" »
Posted on Apr 4, 2011 By Jacoby & Jacoby
According to CNNMoney.com's latest monthly jobs report, the job market has continued to improve. March 2011 statistics indicate that the unemployment rate dropped down to the lowest percentage since ...
Continue reading "March 2011 Job Report – Moving in the Right Direction" »
Posted on Apr 4, 2011 By Jacoby & Jacoby
A recent report by the Institute for Higher Education Policy has shed light on the burden that student loan borrowers face. The institute went further than other research by looking at students who ...
Continue reading "New Student Loan Study Focuses on More Than Default Rates" »
Posted on Mar 11, 2011 By Long Island Bankruptcy Lawyer
Consumer credit use has dropped since the beginning of the Great Recession, which seems like good news for a country plagued by excessive consumer debt (often in the unhealthy, revolving credit-card ...
Continue reading "One Bandwagon to Hop on: Credit Card Spending Down" »
Posted on Aug 31, 2010 By Jacoby & Jacoby
Are you on a quest for the perfect credit score? If you want an 800 score, the first step is to find out what your current score is. The editors of Money Magazine wrote this article for CNN.com ...
Continue reading "6 Steps to Improve Your Credit Score" »
Posted on Aug 27, 2010 By Jacoby & Jacoby
It’s that time again! Textbooks can be super-expensive. Statistics show that the cost of textbooks can be 20% of tuition cost each semester at an average university. CouponSherpa.com put together a ...
Continue reading "The Complete Guide to Cheap College Textbooks" »
Posted on Aug 24, 2010 By Jacoby & Jacoby
Most people want to be happy…and normally they think that you need to spend more to be happy. According to this blog post, there are 5 ways to live better without having to spend any more. Click here ...
Continue reading "5 Ways to Live Better Without Spending More" »
Posted on Aug 20, 2010 By Jacoby & Jacoby
According to June 2010 figures released by the Federal Reserve, Americans owe some $826.5 billion in revolving debt (most of which is credit cards) and $829.785 billion in student loan debts. The Wall ...
Continue reading "Student Loan Debt Surpasses Credit Cards " »
Posted on Aug 17, 2010 By Jacoby & Jacoby
Collection agencies are using extreme methods when going after debtors. They are now going through the court system to collect which gives you two options: show up and pay up or go to jail. First, the ...
Continue reading "5 Ways to Avoid Going to Jail Over Your Debt" »
Posted on Aug 13, 2010 By Jacoby & Jacoby
Kiplinger recently posted this article outlining 10 items that you don’t need to pay for, or at least not as much as you are currently paying. Click here to read the full story. Are you struggling ...
Continue reading "10 Expenses You Don’t Need" »
Posted on Aug 11, 2010 By Jacoby & Jacoby
In tough economic times, Treasure Philips began using coupons along with store sales to get groceries for free or extremely cheap. In a few simple steps, she shows how you can too.
Continue reading "Watch Me Wednesday: Extreme Couponers Get Groceries for (Almost) Free" »
Posted on Aug 10, 2010 By Jacoby & Jacoby
In these hard economic times, it is often difficult to save money. But there are so many important things to save for like retirement, kids college funds and to pay off credit card debt. We came ...
Continue reading "Not Enough Cash? Get Your Priorities Straight" »
Posted on Aug 6, 2010 By Jacoby & Jacoby
Having a savings account is important not only for emergencies, but also for children’s college funds and your retirement. You can put a lot more away then the average family without living a deprived ...
Continue reading "Secrets of Extreme Savers" »
Posted on Aug 3, 2010 By Jacoby & Jacoby
Consumers will see more relief this month as more provisions of the Credit Card Act (formally known as the Credit Card Accountability Responsibility and Disclosure Act) come into effect. The downside ...
Continue reading "New Law Forcing Credit Card Issuers to Play Fair" »
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