There is a foreclosure moratorium in place for all federally backed mortgages – those backed by Fannie Mae, Freddie Mac, FHA, USDA, or VA – until June 30, 2021. However, borrowers may be able to avoid foreclosure if they seek help to make other arrangements,

Many foreclosure sales were cancelled in 2020 and placed on internal hold related to the COVID-19 Pandemic. These moratoriums will not last forever and people need to know their options. Will you be able to stay in your home? Will your lender work with you

The Consumer Financial Protection Board (CFPB) recently published new debt collection rules exclusively for debt collectors. Those new rules, which are slated to go into effect on October 30, 2021, include these do’s and don’ts:  Do retain records for three years Don’t call before 8am

How do I obtain a credit report for a deceased person? The spouse or executor of the estate may request the deceased person’s credit report by mailing a request to each of the credit reporting companies. Send a letter along with the following information about

How do I request a credit report as a legal guardian? Legal representatives or court appointed guardians can request a copy of the credit report for their wards by mail. Send the request along with the following information about the ward: Legal name Address Birth

Can I get credit reports in Braille, large print or audio format? Yes. Deaf and hard of hearing consumers can access our TDD service by calling 7-1-1 and referring the Relay Operator to 1-800-821-7232. If you are blind according to the Americans with Disabilities Act,

Creditor Harassment: I am being harassed by creditors at my place of employment and they are calling my cell phone all the time driving up the cost of my bill. They call me at 7 am and 8 pm at night. They call my neighbors

Identity theft and credit reporting agencies: Where can I order free credit reports from Trans Union, Experian and Equifax?  Are all credit report agencies the same?   What if some of the information on the report is wrong, how do I get the agency to

Is your life unmanageable because of debt? Are you sick of bouncing checks, paying late fees, and having creditors knocking at your door? Debtors Anonymous offers hope for people whose use of unsecured debt causes problems and suffering in their lives and the lives of

If you are a teacher or know someone who is, you have probably heard how they are on the front lines day in and day out coming into close contact with students, staff members and family members of their students. They love their jobs, it