Blog
Updated on Feb. 01, 2026
Judgment vs. Charge-Off: Which Hurts Your Credit More?
If you've ever missed payments and seen scary letters from creditors, you've probably heard both terms thrown around. Judgment. Charge-off. They sound equally terrifying — and they both wreck your c...
Updated on Jan. 31, 2026
National Enterprise Systems (NES): Debt Lawsuits and Defense Options
If you're being contacted by National Enterprise Systems, you're dealing with one of Ohio's most aggressive debt collectors – and that means your next move could save you thousands or cost you every...
Updated on Jan. 31, 2026
Who is Action Collections and Do They Appear in Credit Reports?
If you're seeing Action Collections on your credit report, you're likely dealing with a third-party debt collector that bought your old debt for pennies, and that means your credit score just took a s...
Updated on Jan. 31, 2026
Why Am I Getting Calls From 866-453-8118? Debt Collection Explained
Calls from 866-453-8118 mean you're dealing with a debt collector, and that means you have specific legal protections most people don't know about. Understanding who's calling and what they can (and c...
Updated on Jan. 31, 2026
Is Mandarich Law Group Suing You? What to Do Next
Mandarich Law Group lawsuits require immediate action, but you don't need to panic.This comprehensive guide explains your rights, options, and the exact steps to protect yourself when this Chicago-bas...
Updated on Jan. 29, 2026
AIS Services, LLC Collection Letters? Your Complete Guide to Respond
What Is AIS Services, LLC?AIS Services, LLC is a third-party debt collection agency based in the United States that purchases old debts from original creditors and attempts to collect on them. When yo...
Updated on Jan. 29, 2026
Is ProCollect Inc. Contacting You? Your Complete Guide to Handling Debt Collection
ProCollect Inc. is a debt collection agency based in Dallas, Texas, and if they're reaching out to you, it means they believe you owe a debt to one of their clients. Founded in 1995, this company spec...
Updated on Jan. 28, 2026
The Credit Reset Budget: Aligning Your Spending Habits with Your Score Goals
A credit reset budget is a simple spending plan designed to help you cut unnecessary expenses, pay down debt, and align your money habits with your credit score goals so you can rebuild your credit fa...
Updated on Jan. 28, 2026
Northside Recovery Solutions Contacting You? How to Protect Your Credit
If Northside Recovery Solutions is contacting you, it’s important to know that not all calls or letters are accurate, and acting quickly can protect your credit score. You have legal rights under th...
Updated on Jan. 28, 2026
Is AllianceOne Recovering a Debt From You? Your Options Explained
Is AllianceOne recovering a debt from you? If you've received a call, text, or letter from this company, you're not alone. Thousands of consumers face the same situation every month, and many feel con...
Updated on Jan. 27, 2026
LVNV Funding on Your Credit Report? Here's How to Remove It
LVNV Funding is a debt buyer that purchases charged-off accounts from original creditors for pennies on the dollar, then attempts to collect the full balance or reports the debt to your credit bureaus...
Updated on Jan. 25, 2026
UCC 9-609 Explained: Secured Party Repossession Rights
UCC 9-609 grants secured creditors the legal right to take possession of collateral when borrowers default on their loans. This section of the Uniform Commercial Code fundamentally shapes how lenders ...
Updated on Jan. 23, 2026
What Does EOS CCA Mean on Your Credit Report and How to Fix It
EOS CCA on your credit report means a debt collection agency now owns or manages your unpaid account and is reporting it to credit bureaus, which can drop your credit score by 50 to 150 points.This Ma...
Updated on Jan. 23, 2026
How Ignoring a Credit Card Lawsuit Can Wreck Your Finances
Ignoring a credit card lawsuit costs you money, damages your credit, and gives creditors legal power to seize your wages and bank accounts.Most people make this mistake. According to court data, 95% o...
Updated on Jan. 23, 2026
Statute of Limitations on Credit Card Debt (What Collectors Won't Tell You)
A debt collector calls you about a credit card you stopped paying five years ago. They threaten to sue you. They say you must pay right now. They make it sound like you have no choice.But here's what ...
Updated on Jan. 23, 2026
Receivables Performance Management (RPM) on Credit Report - What You Need to Know
Receivables Performance Management (RPM) appears on your credit report because a creditor sold your unpaid debt to them or hired them to collect it. This third-party debt collector, based in Lynnwood,...
Updated on Jan. 20, 2026
Can Medical Bills Go to Collections Without Notice?
You get a phone call from a debt collector. They say you owe money for a medical bill from six months ago. You're shocked. You never got a bill. You had no idea you owed anything.Can hospitals really ...
Updated on Jan. 20, 2026
Smart Alternatives to Expensive Home Repairs
When contractors quote thousands for repairs, these proven alternatives can save homeowners up to 80% while delivering lasting results.Home repairs can drain your budget faster than a leaky pipe drain...