FDCPA Attorney Brian P Parker has filed a Federal Class Action against Consumers Energy and Midwestern Audit Services Inc. He is now suing both companies as debt collectors for not providing Consumer customers with the FDCPA and Michigan right to dispute their debts. Brian P Parker quotes, The uniqueness of the case is that we are citing the false name exception to the general rule that creditors like Consumers Energy are not debt collectors. He...more
During financial crisis, sometimes pending bills or a sudden medical bills force you to take some action. You very well know that the only solution is cash help. If looking for short term loans, then pay your attention toward same day loans easily available in the finance market. It is a sensible financial help for the working people to borrow small funds and pay back from the next salary. These are different from the conventional loan facility...more
I am an open heart surgery survivor. That by itself makes me a lucky man. However couple that with the fact the entire procedure from beginning to hospital discharge cost me only $125.00 and you can reasonably call me lucky again.You see, I have a great insurance program. But, what I have doesn't make any difference to millions of Americans who either don't have insurance or are underinsured. These are the people who receive those huge medical bills that make headline news at least once a quarter.It is common knowledge hospitals are extremely aggressive in attempting to collect what they say they are owed. It is also common knowledge hospitals charge the un/under insured full price for every procedure, medication and service.Should anyone care to read hospitals saying what you just read, I reference the document titled, HHS Guidance on Hospital Discounting for Uninsured Patients. Simply google the title and you'll be taken to its page.This article will present a theory based on research and a common sense reading of applicable federal statute. I will use me as the example because I saved every piece of paper I signed/was given during my stint into the medical world. As you may...more
Has debt got you down?If so, you're not alone. These days getting into debt is easy. Getting out is not. Buying lottery tickets and hoping to "win the big one" is not the answer.No matter how much money you owe, and no matter how tight money gets, remember that life is too short to spend time worrying.Therefore, the real "secret" to getting...more
The bills are due and credit repair is in place. This happens too many times with many individuals and families, so don't get discouraged there is hope. We can calculate our bills by factoring in utilities, telephone, credit cards, mortgage, rent, lease, purchases, and so on. Each of us needs a vehicle to get to work so this is obviously an...more
Here you're going to learn several ways to save money every month by lowering your monthly bills. There are lots of ways to save money, no matter how much of it you have - or don't have! Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage. All you need to know is where to look to find the savings. Several Ways To Save MoneyThe first thing you need to do is eliminate ALL of your unnecessary expenses: eating out on the weekends buying lunch at work every day magazine and newspaper subscriptions (especially those you can get online and at the local library) cable TV (you'd be amazed at how many other ways you'll find to spend your time once you get rid of cable TV) groceries (you can save lots of money with coupons and specials.) It's OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can! To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to...more
If you find a good service and affordable features, or spend a lot of time away from home, then consider going totally wireless.Many cell phone customers are now using their cell phone as their primary phone line. As the number of cell phone...more
Make the right choice on grace periods, length of loans and consolidation.Let's see here, you just graduated college and got hired at your first job. It is now a month before holidays and (two, three or four) different loan companies send you...more
Get Rid of Some "Extras"The key to financial freedom is building wealth. The key to building wealth is eliminating all your extra bills so you have money to save. The average consumer's credit report carries quite a burden from these bills as well....more
The Commons Trade and Industry committee has stated that the recent rises in UK gas prices has lead to increased suffering by many of the most exposed groups such as the elderly and, "non-elderly vulnerable groups, particularly disabled people, whose...more
The Commons Trade and Industry committee has stated that the recent rises in UK gas prices has lead to increased suffering by many of the most exposed groups such as the elderly and, "non-elderly vulnerable groups, particularly disabled people, whose...more
How many monthly bills do you get? You may have a mortgage bill, a car payment, heating, electricity, gas, telephone, television, and that doesn't even begin with your credit card and store card payments. The fact of the matter is that people today...more