Warybuyer.com

Recent Posts from Warybuyer.com

• Does that Debt Collector Know What Was on Your Last Paycheck?

  If your employer uses theworknumber.com for employment verifications, then the debt collector on the phone with you might very well know how much you are paid. Talx, a subsidiary of Equifax, operates theworknumber.com website. It…

• The secret reason you should never arrange car financing yourself

  Very few people know that there is a big hidden benefit to allowing your car dealer arrange the financing of your car purchase. The Federal Trade Commission requires most dealer arranged finance contracts to contain…

• Your Tsunami of Credit Card Debt

  Tsunamis are dangerous because people don’t see the wave building until just before it crashes on the shore and wipes everything out. You may not realize it, but your credit card debt is just like…

• Should I Defer My Property Taxes?

  If you are over 65 you can defer your property taxes until your house is sold. All you have to do is fill out some paperwork at the county tax assessor’s office. Not only will…

• Nice Case on Abuse of Pro Se Litigants by Collection Lawyers

  A district court in Montana recently held that a collection attorney violated the FDCPA by asking a pro se consumer to admit he had no defenses when the attorney knew the consumer had raised a…

• Gap in the Debt Collection Laws?

  Both the federal and Texas debt collection statutes protect consumers from debt collection harassment, but they don’t cover all kinds of debts, only consumer debts. This means debt collectors collecting non-consumer debts are not subject…

• Credit Card Math

  Do you know what your credit card costs you? Let’s look at the math. Take a Citibank card with a $5000.00 balance and a 14.99% interest rate. Calculated according to one of their recent card…

• Credit Card Debt After 4 Years

  If you live in Texas, debt collectors have 4 years to sue you for not paying your credit card. If one waits longer than that to file, the lawsuit will be dismissed because of the…

• Amen! Great Piece on Why Credit Card Companies Love the Recently Bankrupt!

  Who is most likely not to complain about high interest rates and to incur lots of fees for late payments? Who is legally unable to use bankruptcy to wipe out their debts? Who are the…

• Arbitration Fairness Act of 2007

  I’ve written about the evils of mandatory binding arbitration before. My opinion has not changed. If anything, my ongoing experience representing clients in arbitration has further convinced me that no consumer claim should ever be…