credit score

How to Rebuild Your Credit

CREDIT BUILDER LOAN COULD HELP CONSUMERS BUILD OR REBUILD THEIR CREDIT (reprint from CFPB) July 13, 2020, the Consumer Financial Protection Bureau (Bureau) released a report indicating that a credit builder loan could increase the likelihood of establishing a credit record for consumers without one, and could help improve the credit scores of those with […]

Supreme Court Decision – Consumer Financial Protection Bureau

The question – can a President remove the Director of Consumer Financial Protection Bureau (CFPB) ‘just because’? The answer – yes.  But then it gets a little more complicated.  The bottom line – The director of the CFPB is exposed to the whim of a president who wants everyone to do their bidding, no matter […]


Resources for Consumers – COVID-19

With every crisis comes thousands of scams trying to steal your money or your rights.  Do your homework before believing anyone, including friends or family (they may have also been scammed and not know it yet). 1)Community Legal Services, Arizona:

stimulus money

The IRS Will Not Call You About Your Stimulus Money – It Is a Scam

IF YOU GET A CALL FROM SOMEONE SAYING THEY ARE FROM THE IRS – STOP!!!! IT IS A SCAM!!!! June 24, 2020 – The Federal Trade Commission (FTC) issues a warning that scammers are pretending to be from the government.  They can set their phones to appear on caller ID that the call is coming […]


COVID-19 Scams – Warnings from FTC

Law suit against Ponte Investments, LLC, promoted their “SBA Loan Program” and website “SBAloanprogram.com

COVID Has Exposed Many of Our Neighbors to an Ugly Financial Reality

The next 12 to 18 months is going to be financially difficult for many of our neighbors Our new normal is homeschooling, face masks and self-isolation.  What few are talking about is the financial consequence of COVID-19.  Many of our neighbors are faced with difficult choices – pay the mortgage or buy food and pay […]


Paycheck Protection Program – New Changes

SBA issues rules and guidance regarding the amended Paycheck Protection Program. The Flexibility Act: legislation signed June 5 lowered to 60% from 75% the minimum percentage of PPP funds borrowers have to spend on payroll costs to have the loans forgiven.  Plus, extended the covered period from eight weeks to 24 weeks, after loan disbursement.

I am a Leader in Democratization of Knowledge about Bankruptcy. Who Knew!

Who knew that I was a leader in providing knowledge to others (now called “Democratizing Knowledge)!! An article on Wired, Natalie Chyi, focuses a light on how COVID-19 has changed the prospective of on sharing information.  Titled The Coronavirus is Democratizing Knowledge.  The sub-title is: “Despite toxic misinformation, the pandemic has empowered us to become […]

Lead Express, Harvest Mood Financial Sued by FTC

Lead Express, Harvest Moon Financial and others repeated drew interest-only charges, leaving consumers to pay more than promised May 22, 2020 – The Federal Trade Commission (FTC) has charged Lead Express, Harvest Moon Financial, Gentle Breeze Online, and Green Stream Lending with deceiving its customers by overcharging millions of dollars and repeatedly withdrawing money from […]

Bankruptcy After COVID-19, What Should You Do to Avoid Mistakes?

This is a difficult time for everyone – employer, employee, parents, and seniors.  Never decide to do something without understanding the consequences of those innocent actions. We all know it is important to plan ahead.  It cannot be more important than today.  Many of you lost your job or were furloughed, but almost everyone has […]