A while back my friends and I were talking about our debt problems. In today’s world, it seems like everybody has them. But each of us had different kinds of debt problems. One friend had credit card debt, another had an expensive mortgage, another had a car loan, and I had student loans. It is […]

  In today’s digital age, there are hundreds of thousands of articles on financial advice. A quick Google search of “credit repair” or “debt consolidation” will populate hundreds of millions search results from blogs all over the Internet. In all the noise of available advice on the Internet, how do you know what resources to […]

It is not uncommon for consumers to be contacted by debt collectors.  Debt collectors can be people or companies that collect debt owed to someone else; sometimes debt collectors actually purchase the past-due debt from the original creditor who made the loan or extended the credit. One way debt collectors try to get repaid is by […]

In Part 2 of our series, we covered how to identify and correct inaccurate information on credit reports. In Part 3, we will discuss the businesses that offer these services professionally: credit repair agencies. Overview and Concerns A “credit services organization” (or agency) is defined under Colorado law as, “any person, including a nonprofit organization […]

The Affordable Care Act, which has  sometimes been referred to as Obamacare, added some rights and protections which allow consumers of health care to more easily understand their health plan’s coverage. Every health plan must now provide a summary of benefits and coverage (SBC). This document must be written in plain language and must be easy-to-understand. Here is an example […]