Blog
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...
Updated on Jan. 20, 2026
How to Buy Real Estate With No Money Down
What You'll Learn HereThis guide will show you 8 real ways to buy rental property without using your own money. You'll learn what works, what doesn't, and how to get started today. At a G...
Updated on Jan. 18, 2026
Why Mortgage Lenders Hate Student Loan Forbearance
You finally saved enough for a down payment. Your credit score looks good. You have a steady income. You apply for a mortgage and feel confident.Then the lender tells you no. The reason? Your student ...
Updated on Jan. 18, 2026
How Student Loan Servicers Quietly Damage Your Credit (Even When You Pay)
You make your student loan payments on time every month. You check your account. Everything looks fine. But then you check your credit score and get a shock. It's dropped by 100 points or more.How did...
Updated on Jan. 14, 2026
What is a Secondary Bureau Freeze: Everything You Need To Know
A secondary bureau freeze is the process of restricting access to your credit file at non-traditional credit bureaus and debt collectors use for identity verification and risk assessment. It matters b...
Updated on Jan. 14, 2026
Student Loan Recovery Tips: Dealing With Pioneer Credit
Getting a letter from Pioneer Credit Recovery can feel scary. Your heart might race when you see that envelope. You might worry about your bank account or paycheck. But don't panic. You have options.P...
Updated on Jan. 14, 2026
The "Chain of Title" Defense: How to Request Proof of Purchase from PRA Group
When PRA Group contacts you about a debt, they must prove they own it. This proof comes through a "chain of title" showing how the debt transferred from the original creditor to PRA Group. Without thi...
Updated on Jan. 14, 2026
Who is Action Collections and Do They Appear in Credit Reports?
Action Collections is a third-party debt collection agency based in California that purchases or is assigned unpaid debts from original creditors. Yes, Action Collections does appear on credit reports...
Updated on Jan. 13, 2026
Understanding Common Business Money Problems (And How to Fix Them)
Running a business can feel like trying to fill a bucket with water while it’s leaking from the bottom. You work hard to generate income, but financial challenges often drain money faster than it co...
Updated on Jan. 13, 2026
Financial Benefits of Using Your Work’s Group Insurance Plan
Your work's group insurance plan offers major financial benefits since your employer pays 85-90% of premiums. Then, you get tax breaks on your portion, and you receive better coverage at lower costs t...
Updated on Jan. 13, 2026
Home Buying Checklist: Complete Guide for First-Time Buyers
Buying a home is one of the biggest decisions most people make in their lives. The process can feel overwhelming with all the steps involved. Many first-time buyers make costly mistakes because they d...
Updated on Jan. 13, 2026
Debt Collection Process Explained: What Happens If You Don’t Pay
Are you worried about what happens if you don’t pay a debt? Whether you’re facing financial hardship or intentionally avoiding payments, it’s important to understand the potential consequences.A...