Creditor Harassment and Abuse

Posted by David Hinkle on September 29, 2021.

As a debtor, you have certain rights that are guaranteed by the Consumer Financial Protection Bureau, the Truth in Lending Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act (FDCPA). These rights are guaranteed to you regardless of how much debt you hold and, if your rights are being breached and […]

Spring Financial Cleanup

Posted by David Hinkle on March 24, 2021.

Do you have a spring cleaning checklist that you are working your way through this year? If so, it is a good time to add your finances to the agenda. Spring is a great time to work your way through the clutter—and your finances are no exception. Make a plan to assess and address your […]

The Difference Between Debt Settlement, Consolidation and Management

Posted by David J. Hinkle, Esq. on January 16, 2014.

Companies that claim to help ease the burden of your debt are so tempting!  It seems like a great idea… and sometimes it is.  But please be careful before you move forward with these companies!  Unfortunately this industry is ripe with scammers… and even if the company is not scamming and is completely legitimate, is […]

Getting To Know Your Credit Card

Posted by David J. Hinkle, Esq. on September 20, 2013.

How many of you have really taken the time to understand your credit card account? Before I started working in this area of the law, I never did. When I got a bill, I just paid it. If the interest rate changed, I just accepted it. If a fee was assessed, I just assumed it […]

Can I Really Sue a Debt Collector If I Owe The Debt?

Posted by David J. Hinkle, Esq. on September 20, 2013.

The reality is that most people who have found themselves on the wrong end of a debt collector would love to be able to pay the debt. We’ve all run into financial difficulties but that doesn’t mean that you’re not entitled to some rights. Whether or not you owe the debt is irrelevant. In fact, […]

7 Things Debt Collection Agencies Cannot Do

Posted by David J. Hinkle, Esq. on September 15, 2013.

Having unpaid debts can be stressful. Being called and having letters sent to you by debt collection agencies can make a stressful situation even worse. However, even if you legitimately owe a debt, there are rules that debt collection agencies must follow. Most consumers don’t know that they have rights even if they owe a […]

Tips for Dealing with Debt Collection Companies

Posted by David J. Hinkle, Esq. on September 13, 2013.

If you’ve found yourself in the stressful position of getting contacted by debt collection companies, take a look at these tips. They may help you minimize or eliminate the issue altogether. First, make sure that the debt collector is actually looking for you and not someone else. This may sound like a no brainer but […]

Is Unpaid Debt Coming Back To Haunt You?

Posted by David J. Hinkle, Esq. on September 11, 2013.

Nothing is more alarming than being served with a lawsuit. It can be embarrassing, frightening, upsetting, and can cause a lot of anxiety. Is your lawsuit based upon an unpaid debt? If so, take a deep breath and realize that you have options. First, do not ignore it as ignoring the complaint will lead to […]

Getting Collection Calls About Old Debt?

Posted by David J. Hinkle, Esq. on September 10, 2013.

If you are getting collection calls, Stop!! Don’t Pay a Penny on that “Old” Debt Until You’ve Talked to a Lawyer! Many of us have enjoyed (or been scared by) a zombie movie or tv show. They are quite popular these days. However, few people have heard of or seen the real life horror story […]