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The number of consumers who are living paycheck-to-paycheck, meaning they are not able to put aside any money for savings or emergency funds, is back to pre-pandemic levels, according to a published report, and the financial difficulties are being felt by people on all rungs on the income ladder. About 60% of households in the … The post Paycheck-to-Paycheck Returns as a Way of Life for More Americans appeared first on AccountsRecovery.net.
Sometimes a grain of truth about a financial topic can morph into something that’s just plain misleading. One example is the 15/3 credit card payment trick — or hack — that you might have seen touted on the internet and social media as a secret tactic for improving bad or mediocre credit. The 15/3 hack. Gregory Karp writes for NerdWallet. Email: gkarp@nerdwallet.com.
Consumer attorneys are seizing upon the fact that validation notices sent to consumers no longer need to have the date the letter was mailed on it, and are suing collectors for violating Regulation F and the Fair Debt Collection Practices Act, alleging that the validation date provided in those notices is not accurate. The latest … The post Complaint Accuses Collector of Violating FDCPA, Reg F Because Letter was Undated appeared first on AccountsRecovery.net.
Oweesta Corporation, the longest standing Native Community Development Financial Institution (CDFI) intermediary, is an organization committed to building economic independence
In the climb from contributor to leader, the rules quietly change. But if you’re aiming for the summit, the air gets thinner, and what got you here won’t be enough to get you to the top. 🗻 What made you successful early in your finance career—technical accuracy, sharp analysis, flawless execution—won’t be what carries you to the next level. The higher you go, the more your effectiveness depends on how you connect, adapt, and communicate.
APPEALS COURT REVIVES FCRA CASE OVER REASONABLE INVESTIGATION THRESHOLD The Court of Appeals for the Ninth Circuit yesterday reversed a lower court’s summary judgment ruling in favor of a defendant sued for violating the Fair Credit Reporting Act, determining that the “reasonable investigation” it conducted when the plaintiff disputed the accuracy of the information on … The post Daily Digest – May 17.
It’s a small business’s worst nightmare: You’ve been notified by your payment processor that your transactions are being investigated for potentially fraudulent activities. Your account has been frozen, you’re not allowed to process any transactions until further notice and what funds were being processed aren’t going to be deposited. Your entire revenue stream is stalled.
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Creditor Collections Today brings together the best content for creditors and collection professionals from the widest variety of industry thought leaders.
It’s a small business’s worst nightmare: You’ve been notified by your payment processor that your transactions are being investigated for potentially fraudulent activities. Your account has been frozen, you’re not allowed to process any transactions until further notice and what funds were being processed aren’t going to be deposited. Your entire revenue stream is stalled.
NORFOLK, Va., May 16, 2022 — Mental Health Awareness Month was designated in the U.S. to nationally decrease the stigma surrounding mental health and encourage open conversation to prevent suicides, violence, depression and other problems associated with low mental health. PRA Group, Inc., a global leader in acquiring and collecting nonperforming loans, is honoring this designated … The post Mental Well-Being Group Builds Awareness and Support for PRA Group Employees Worldwide appear
United Airlines is one of the Big Three U.S. airlines and covers more than 300 cities across five continents. For those looking for a trip south of the border, United flies to several destinations in Mexico. Here’s everything you need to know about United flights to Mexico. » Learn more: The best travel credit cards. Anya Kartashova writes for NerdWallet.
The Court of Appeals for the Ninth Circuit yesterday reversed a lower court’s summary judgment ruling in favor of a defendant sued for violating the Fair Credit Reporting Act, determining that the “reasonable investigation” it conducted when the plaintiff disputed the accuracy of the information on his credit report needs to be left up to … The post Appeals Court Revives FCRA Case Over Reasonable Investigation Threshold appeared first on AccountsRecovery.net.
At its best, business coaching can connect you with a mentor and supporter who helps you generate ideas, make plans and execute on them. But at its worst, a business coaching offer can cost you time, energy and money — without much to show for it. Here’s what to expect from a business coach, how. Rosalie Murphy writes for NerdWallet. Email: rmurphy@nerdwallet.com.
The most overlooked, yet most critical, element of transformation is preparing people for change. Automation and AI aren't just technical upgrades, they’re cultural shifts which can challenge identities. That’s why change management isn’t a side project—it’s the foundation. In finance, where precision and process rule, navigating change can feel especially disruptive.
A District Court judge in Kentucky has partially granted and partially denied a collection attorney’s motion to dismiss a Fair Debt Collection Practices Act lawsuit, ruling that the attorney’s motion for default judgment in an underlying collection case was “improper” because the plaintiff had filed a response to the suit. A copy of the ruling … The post Judge Partially Grants MTD in FDCPA Case Over ‘Improper’ Default Judgment Motion in Underlying Collec
Of all the things that have experienced massive price swings during the COVID-19 pandemic, rental cars saw one of the biggest — and that swing was directly up. Renters in summer 2021 got hit especially hard when rental car prices reached an all-time high that July. While prices have slightly dipped from those highs, they’re. Sally French writes for NerdWallet.
One of the benefits of auto loans – which can actually be a problem – is that they’re so easy to get. A problem? Most auto loans are straightforward. But there are various types of auto loans that contain different provisions. If you don’t know what they are, you could pay too much for your loan. With that in mind, let’s consider everything you’ll need to know to get an auto loan as an informed consumer.
Hilton launched its connecting room guarantee in mid-2021. This guarantee, which allows travelers to confirm that their rooms are together during booking, allows larger groups peace of mind when on the road. As the first major hotel company to offer this benefit, you’ll need just three days advance notice to secure this benefit. Here’s a. Carissa Rawson writes for NerdWallet.
Speaker: Alex Salazar, CEO & Co-Founder @ Arcade | Nate Barbettini, Founding Engineer @ Arcade | Tony Karrer, Founder & CTO @ Aggregage
There’s a lot of noise surrounding the ability of AI agents to connect to your tools, systems and data. But building an AI application into a reliable, secure workflow agent isn’t as simple as plugging in an API. As an engineering leader, it can be challenging to make sense of this evolving landscape, but agent tooling provides such high value that it’s critical we figure out how to move forward.
The Insolvency Service will close half of its offices in England according to plans laid out in an new strategy. The news has not been met well though with the PCS Union saying it could cost up to 300 jobs. The executive agency, which provides information on bankruptcy , redundancy, paying off debts, company insolvency and misconduct of trading companies and partnerships, will close 11 of its 20 local offices in England over the next five years.
Hyatt has numerous brands that offer a hotel for every budget, travel need and interest. If you want a design hotel, for example, Andaz could be your go-to. Convention groups will be wowed by the glitz and glamor of Grand Hyatt. But among the different Hyatt hotels, what’s the difference between Hyatt Place versus Hyatt. Ramsey Qubein writes for NerdWallet.
A discharge in bankruptcy usually discharges a debtor from the debtor’s liabilities. Section 523 of the Bankruptcy Code, however, sets forth certain exceptions to this policy, including for “any debt. for money, property, services, or an extension, renewal, or refinancing of credit, to the extent obtained by. false pretenses, a false representation, or actual fraud.” 11 U.S.C. § 523(a)(2)(A). ( We have previously written about this provision in the context of statements re
In time for summer travel, Capital One is rolling out new perks for cardholders. As of today, the issuer has opened up its travel portal, Capital One Travel, to all of its rewards credit card holders and it’s rolling out a few incentives. Here are the latest offerings from the issuer. Capital One Travel expands. Melissa Lambarena writes for NerdWallet.
Distributed finance teams are rewriting how the back-office runs, and attackers are taking notes. Disconnected workflows, process blind spots, and rising cyber threats are more than just growing pains—they’re liabilities. The challenge isn’t just going remote. It’s building resilient systems that protect accuracy, control, and speed across every transaction and touchpoint.
Extending credit to commercial customers can be a win-win situation for your business and your customers. It gives you a chance to build what could be a long-standing and lucrative relationship, and it enables your customer to buy more from you through commercial debt. However, the credit is a form of a loan, and the money isn’t yours until it’s in your bank account.
Accounts receivable financing, also known as invoice financing, allows businesses to borrow capital against the value of their accounts receivable — in other words, their unpaid invoices. A lender advances a portion of the business’s outstanding invoices, in the form of a loan or line of credit, and the invoices serve as collateral on the. Randa Kriss writes for NerdWallet.
On May 16, the Consumer Financial Protection Bureau (CFPB or Bureau) announced that it will launch a new initiative to provide guidance to other agencies with consumer financial protection responsibilities on how the CFPB intends to enforce “Federal consumer financial law.” 12 U.S.C § 5481(14). The CFPB will use Consumer Financial Protection Circulars , described as “general statements of policy,” under the Administrative Procedure Act.
Buying a used car from a private seller can have advantages. For example, if you’re looking for an exact make and model of vehicle, you might be able to cast a wide net and find it for sale by owner. Also, cars sold by individuals usually sell for less than at a dealership. But buying. Shannon Bradley writes for NerdWallet. Email: sbradley@nerdwallet.com.
Is your tech stack working for you—or are you working for it ? 🤖 In today’s world of automation and AI, technology should simplify workflows—not add complexity. Seamless integration and interconnectivity are key to maximizing productivity, optimizing workflows, and improving collaboration. Join expert Joe Wroblewski for a practical and insightful session on how you can build a smarter, more connected tech stack that drives efficiency and long-term success!
According to a 2022 Consumer Financial Protection Bureau report, 58% of all third-party debt collection is made up of medical debt. Maintaining best practices for resolving accounts can lead to a positive and supportive experience for consumers, and effective management of debt accounts for healthcare providers. In 2014, the Healthcare Financial Management Association (HFMA) released a best practices report with information about pre-service communications and post-discharge resolution tips that
For this Coffee Conversation , I sat down with Vera Schut and Bas Kemme from IntotheNXT. We talked about NFTs, Metaverse, smart contracts, blockchain and last but not least: Web3. In this blog, I will take you through the definition of the buzzwords of the digital world. Future-oriented business. NFTs and the Metaverse are new, but nevertheless already one of the biggest changes of the last few years.
Hiring is rough right now. And, that turned around in a heartbeat. Over the course of a single quarter, the employer’s market become an employee’s market – with no signs of slowing down. It’s got law firms everywhere rethinking how and why they hire. One trend that is manifesting is that attorneys are beginning to expand their vision of who can and should be hired by a law firm, by looking at non-traditional roles within the law firm.
Did you know that the state of California is currently having a difficult time shouldering the weight of an astronomical amount of unemployment debt? To help put the size of this problem into the proper perspective, take a minute to think about the fact that the amount of unemployment California currently owes is equal to the unemployment debt of every other state in the country…combined.
AI is reshaping industries, yet finance remains one of the slowest adopters. Concerns over compliance, legacy systems, and data silos have made finance teams hesitant to embrace AI-driven transformation. But delaying adoption isn’t just about efficiency—it’s about staying competitive in a rapidly evolving landscape. How can finance leaders overcome these challenges and start leveraging AI effectively?
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