I have been helping people help themselves with do-it-yourself debt relief for more than 2 decades. It is simpler to do than many think. I point out the easy stuff in this video and also provide details about the more complex things you run into. I cover DIY hardship plans and getting your interest rates […]

I got to know Jeremy Golden, a California consumer law attorney, about 20 years ago after he got a great outcome for someone I knew who had an unfortunate experience with a collection agency. In this video we cover his experiences with the Fair Credit Reporting Act (FCRA) violations, fraud, bank account hacks, ID theft, […]

Goldman Sachs is exiting direct to consumer finance products like the Apple Card and Marcus loans. If you have unpaid accounts with them, you can still settle for less and make other arrangements. I cover how in this video. I also talk about credit reporting, lawsuit risks, and debt validation with Goldman Sachs, collection companies, […]

More than half of all chapter 13 bankruptcies are dismissed before they can be completed. If this happens, you have options to resolve the debts before the situation gets worse. I cover the critical timing of your efforts to deal with what are now live collection accounts that the court is no longer able to […]

My guest Steve Rhode and I talk about a recent ruling from a judge that helps to narrow your focus on what to avoid if you want to hire a settlement company with “legal support” that can often just be a disguised money grab with zero attorney support that leaves people worse off. We also […]

The cost of gutting your way through a debt payoff strategy in order to avoid bankruptcy is not just a right now, or even a couple of years impact. In this video I show the true cost of avoiding chapter 7 and how to use it to flip the script on your personal finances now […]

Mission Lane credit cards can often be enrolled in a lower interest rate hardship plan, and the accounts can also be settled for less than the amount owed. How you go about accomplishing one of these goals will vary based on things I cover in this video. I talk about Mission Lane credit reporting behavior […]

Getting lower interest rates on your Fifth Third credit cards or settling with them for less than what you owe if you have fallen late, is a fairly simple process covered in this video by an expert. How Fifth Third credit reports, risks of being placed with aggressive collectors, and debt validation are covered too. […]

Learn how and when to settle your First National Bank of Omaha credit card or loan when you are late with payments. I cover how to get interest rates lowered with FNBO. I also outline how they report to your credit, how likely they are to get aggressive with collections, and when not to use […]

How and when to negotiate lower interest rates or half-ish off settlements with TD Bank. I also cover how to prioritize this bank over other creditors you may have. I talk about credit reporting and debt validation with TD Bank as well. TD bank is not the most aggressive creditor in the US when it […]