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 […]

Buying a home is one of the biggest financial transactions most people will ever enter into.  Because of the complexity and size of these transactions, however, many homebuyers lack the information they need to successfully navigate the home-buying process.  Unfortunately, mortgage lenders often take advantage of homebuyers’ lack of information, with the result that many […]

A few weeks ago my colleague Mary Sue Greenleaf wrote a post about filing consumer complaints with the Colorado Attorney General’s office. This post is intended as a supplement to her post and will include some additional places to file a complaint for different types of consumer problems.   First, some general tips for filing […]

  If you are struggling to make payments on your home, then you should know about HAMP.   One of the federal government’s flagship programs to help struggling homeowners is the Home Affordable Modification Program (HAMP).   HAMP, which took effect in 2009, helps homeowners who are facing default by modifying the terms of their […]

  Great news for homeowners!   On April 11, 2013, The Federal Housing Finance Agency announced that it will be extending the Home Affordable Refinance Program (HARP) for an additional two years (until December 2015).    HARP is an important federal program designed to protect homeowners by allowing them to refinance when they would otherwise […]