• Published On: April 18, 2019

    Ever wonder why you make really stupid decisions, especially when you are overwhelmed, worried or distracted? Perhaps you are focused on one task, like dealing with a difficult child or employer, and you completely miss [...]

  • Published On: April 13, 2019

    Reprint from Consumer Affairs Desperate consumers enter into these agreements without fully understanding how they work. Generally, debt relief or debt settlement companies offer a service to debt-burdened consumers to intervene with creditors–in most cases [...]

  • UPDATE: July 9, 2019 Freedom Debt Relief agrees to pay $20 million in restitution and $5 million in civil penalty to settle the claims for deception, abusive actions, misrepresentation, failure to disclose. […]

  • Published On: April 13, 2019

    By Russ Wiles, Arizona Republic, 2/25/19 (reprint) For many Americans, income tax refunds are the largest single chunk of money they receive all year. Imagine losing most or all of it to a debt collector [...]

  • (WARNING: The following is Arizona specific) Most people do not understand that if a creditor sues and obtains a judgment they can take the money in your bank accounts, including tax refunds.  The only protection [...]

  • Published On: February 20, 2019

    Navient, FedLoan and other student loan servicers “outrageous mismanagement” February 12, 2019 – An audit report released by the Education Department Office of Inspector General described the outrageous mismanagement of federal student loan servicers, like [...]

  • Published On: February 17, 2019

    What is forgiveness of debt income? When you owe money and do not pay the full amount of the debt the lender is required to file a 1099 form with the IRS showing that you [...]

  • Published On: February 5, 2019

    The following is a warning from the Federal Trade Commission: Good afternoon, Today, the Bureau’s Office for Older Americans is forwarding an email about scams targeting your Social Security number. The email was sent by [...]

  • Data thieves don’t take a break during the holidays. In fact, the IRS warns taxpayers that the agency is seeing a large increase in bogus email schemes that seek to steal money or tax data. [...]

  • ANOTHER DOCUMENT PREPARATION SERVICE IN TROUBLE FOR NOT FOLLOWING THE LAW – SAUNDRA EHRHARDT and AIRHARDT ENFORCEMENT SERVICE In re Munoz, 2:19-bk-05828 (7/3/2019)Judge Collins, Arizona bankruptcy judge, found Ms. Ehrhardt violated bankruptcy law and forced [...]