Guest Post



  • Free credit freezes are here

    Free credit freezes and year-long fraud alerts are here, starting Sept. 21, 2018, thanks to a new federal law. Here’s what you should know. Free credit freezes Security freezes, also known as credit freezes, restrict access to...

    • Posted November 16, 2018
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  • $505 million in refunds sent to payday loan customers

    If you took out an online payday loan from a company affiliated with AMG Services, you may be getting a check in the mail from the FTC. The $505 million the FTC is returning to consumers makes...

    • Posted November 16, 2018
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  • Track your spending with this easy tool

    Have you ever looked at your monthly bank statement and found yourself surprised by what you spent your money on? Are you unsure of where your money is really going and find yourself struggling to pay your...

    • Posted October 19, 2018
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  • Empower Yourself Against Utility Scams

    You get a call saying your electricity or water will be shut off unless you pay a past due bill. You may not think you have a past due bill. But the caller sounds convincing, and you...

    • Posted October 19, 2018
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  • FTC Returns more than $10 Million to NetSpend Customers

    The Federal Trade Commission is mailing more than 430,000 checks totaling more than $10 million to people who could nit access money deposited to their NetSpend reloadable prepaid debit cards. According to an FTC complaint, many NetSpend...

    • Posted October 18, 2018
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  • Facing a Money Decision? Check Whether You Use the 3 Skills That Stand Out in People With High Financial Well-Being

    The study defined financial skills as knowing how to find, process, and act on information when you need it. Here are ways to apply the skills that help you face any money decision. 1. Know when to...

    • Posted October 18, 2018
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  • How to Make ‘Pay Yourself First’ Work for You

    Dear Dollar Stretcher, Some months I can save some money and some I can’t. I have heard the saying “always pay yourself first”. When I do that it seems that I have to withdraw that money later...

    • Posted October 18, 2018
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  • 5 Ways to Help You Succeed in a Debt Settlement Program

    We want you to succeed! 5 Ways to be Successful in Your Debt Settlement Program Did you recently enroll in a debt settlement program? Congratulations! You’ve taken the first step toward resolving your debt and getting your...

    • Posted October 17, 2018
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  • There Are No Shortcuts or Easy Outs for Student Loan Debtors – And No Santa Clause!

    Sorry Virginia …. There is No Santa Clause! In 1897, Dr. Philip O’Hanlon, a coroner’s assistant on Manhattan’s Upper West Side, was asked by his then eight-year-old daughter, Virginia O’Hanlon (1889–1971), whether Santa Clause really existed. O’Hanlon...

    • Posted October 17, 2018
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  • Your Social Security number isn’t suspended. Ever.

    A caller says that he’s from the government and your Social Security Number (SSN) has been suspended. He sounds very professional. So you should do exactly what he says to fix things…right? Wrong. The FTC has gotten...

    • Posted October 16, 2018
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  • Helpful tips for using mobile payment services and avoiding risky mistakes

    Person-to-person payment services and mobile payment apps have become part of everyday life for millions of people. Payment services and apps let you send money to people without having to write a check, swipe a card, or...

    • Posted October 16, 2018
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  • Repay ‘Charged Off’ Debt Sold to a Collection Agency?

    I have a charge-off on my credit report because of a bankruptcy five years ago. If the company that wrote it off sells the debt to a collection agency, do I need to pay? The damage is...

    • Posted October 16, 2018
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  • Please don’t get your cancer treatments in a bar.

    We’ve warned people for years not to trust the wild health claims that some companies make about their pills, powders, and potions. Call us old fashioned, but we almost fell off our stool when we heard about...

    • Posted October 1, 2018
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  • Hang up on Medicare Card Scams

    Scammers follow the news – and the money. A few months ago, we shared the news that Medicare is sending new cards to everyone who gets Medicare benefits, replacing your Social Security number with another number. As...

    • Posted October 1, 2018
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  • New Research Report on the Geography of Credit Invisibility

    Creditworthy consumers can face difficulties accessing credit if they lack a credit record that is treated as “scorable” by widely used credit scoring models. These consumers include those who are “credit invisible,” meaning that they do not...

    • Posted October 1, 2018
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  • Renovation Tips for an Age-In-Place Smart Home

    A house is more than walls, roofing, and appliances — those are just the requirements to make a building. A house is where you raise your kids, where you cook breakfast on the weekends, where you celebrate...

    • Posted September 28, 2018
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  • Defendant Who Took Part in Business Coaching Scheme Agrees to Settle FTC Charges

    One of the defendants involved in a multimillion-dollar business-coaching scheme has agreed to settle Federal Trade Commission charges that he helped deceive consumers with false claims that they could earn “six figures” within 90 days. The defendant...

    • Posted September 28, 2018
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  • FTC Shuts Down Purveyors of Fake Documents Used for Fraud, Identity Theft

    Websites sold fake pay stubs, other documents The operators of websites that sold fake documents used to facilitate identity theft and other frauds have agreed to permanently shut down their businesses as part of separate settlements with...

    • Posted September 28, 2018
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  • FTC Settlements Ban Fraudulent Debt Collectors from Debt Collection Business and from Buying or Selling Debt

    The operators of a Georgia-based debt collection business that allegedly used false claims and threats to get people to pay debts – including debts they did not owe or that the defendants had no authority to collect...

    • Posted September 27, 2018
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  • Should You Consider a 401k Loan to Repay a Personal Loan?

    According to the Investment Company Institute, there’s nearly $4.5 trillion in 401k retirement accounts representing about 18% of all retirement assets. But many people for various reasons have taken out a 401k loan. Even though they’re popular,...

    • Posted September 27, 2018
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  • Free Publications about Credit and Debt

    Do you work or volunteer with people who are concerned about debt or want to improve their credit? Then you might be interested in these three new free booklets. Delivery to your home or office is free,...

    • Posted September 27, 2018
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  • 3 Money-Saving Sites That Will Make You Feel Like an Insider

    Is there any better feeling than scoring a deal? Conversely, finding out that you overspent on a purchase can leave you feeling angry, sorrowful, and just overall unhappy. Luckily there are now more tools than ever to...

    • Posted September 26, 2018
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  • Which Debt First?

    I have a 30-year loan on my townhouse with 7% interest. I paid $75,500 and three years later I owe $73,000. My only other debt is a 6-year new car loan with 12.6% interest. I paid $23,770...

    • Posted September 26, 2018
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  • Hurricane Season Tips

    How to prepare for and recover from a storm and avoid charity scams The 2018 hurricane season has arrived. The Federal Trade Commission has information to help you prepare for, deal with, and recover from the long-term...

    • Posted September 25, 2018
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  • Anatomy of a Fake Check Scam

    Fake checks drive many types of scams – like those involving phony prize wins, fake jobs, mystery shoppers, online classified ad sales, and others. In a fake check scam, a person you don’t know asks you to...

    • Posted September 25, 2018
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  • 32 Ways to Save Money on Your Utility Bills

    I remodeled my house a few years ago, replacing old single-pane windows and beefing up the attic insulation. This cut my heating bill by almost 50%! That was so inspiring, I challenged myself to see how much...

    • Posted September 25, 2018
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  • FTC Takes Action against the Operators of Copycat Military Websites

    The operators of copycat websites army.com and navyenlist.com have agreed to settle Federal Trade Commission charges that they targeted people seeking to join the armed forces and tricked them by falsely claiming to be affiliated with the...

    • Posted September 24, 2018
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  • Separating Finances After a Divorce

    I am about to get a divorce. We currently have a joint account as well as separate accounts. Can my soon-to-be ex withdraw an enormous amount (more than half) legally from our joint account even though we...

    • Posted September 24, 2018
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  • Are You Doing Everything You Can to Save Tax?

    It’s said that the only two certainties in life are death and taxes. Although it’s true that everyone can expect to pay taxes in some form or another during their lifetimes, within the framework of our tax...

    • Posted September 7, 2018
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  • Learning From Financial Mistakes

    Have you ever noticed how incredibly hard it is to pull the plug on a bad investment? While this may be true for most people, I think we tightwads of the world may have an extra tough...

    • Posted September 6, 2018
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  • What you need to know if you were a MOBE customer

    We recently wrote about steps that the FTC took to stop MOBE, an internet business-coaching scheme that was promoting a bogus online business opportunity to retirees and veterans. We’ve gotten a lot of questions from MOBE customers...

    • Posted September 6, 2018
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  • Back to school: Protect your child’s information

    Many school forms require personal and sensitive information. Here are some tips for keeping your child’s personal information safe — from pre-school through college. Safeguard your child’s Social Security number (SSN). Don’t carry your child’s Social Security...

    • Posted September 5, 2018
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  • WARNO: New security clearance guidelines make it more important than ever for servicemembers to monitor their credit

    Situation: New security clearance rules The federal government recently implemented new security clearance guidelines that make it more important than ever for servicemembers to stay on top of their bills and monitor their credit histories.  Mission: Continuous...

    • Posted September 5, 2018
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  • More than 1-in-5 consumers had telecommunications-related collections on their consumer report in the past 5 years

    Today the Bureau of Consumer Financial Protection (Bureau) released its latest quarterly consumer credit trends report, which focuses on telecommunications-debt collection items. This report explores reporting of telecommunications-debt collections (telecom collections) to nationwide consumer reporting agencies. It...

    • Posted September 5, 2018
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  • Will You Throw Away $500 This Year?

    When you use disposable products, you’re literally throwing money away after each use. Keep that money in your pocket and some extra trash out of landfills by replacing these disposable products with reusable ones instead. Tissues –...

    • Posted September 4, 2018
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  • Avoid hurricane relief charity fraud

    Hurricane Lane is a Category 4 churning in the Pacific with an eye toward the Hawaiian islands. If you haven’t made storm preparations, now is the time. The FTC has information to help you prepare for, deal...

    • Posted September 4, 2018
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  • How to avoid a Bitcoin blackmail scam

    “I know about the secret you are keeping from your wife and everyone else. You can ignore this letter, or pay me a $8600 confidentiality fee in Bitcoin”. It’s enough to send shivers down anyone’s spine, but...

    • Posted September 3, 2018
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  • Selling your car? Clear your personal data first.

    Is a new car in your future? You might first have some unfinished business with your old one. While you’re cleaning out your personal items, think about the personal information stored in the car’s electronic system. Your...

    • Posted September 3, 2018
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  • Entertainment Industry Business Manager Convicted of Defrauding Celebrity Clients, Bankruptcy Fraud and Tax Charges

    A federal jury in Columbus, Ohio has convicted Kevin R. Foster, 42, of Montclair, NJ, of 16 charges related to a fraud scheme. He was found guilty of wire fraud, money laundering, bankruptcy fraud, tax evasion and...

    • Posted September 3, 2018
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  • School shopping can be a teachable moment

    As summer winds down, it’s time for back-to-school shopping. Here are some tips to help you save time and money. Get the teacher-approved list. Many teachers have lists of items they want their students to have. Take...

    • Posted August 31, 2018
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  • Royal Bank of Scotland Agrees to Pay $4.9 Billion for Financial Crisis-Era Misconduct

    The Justice Department announced today a $4.9 billion settlement with The Royal Bank of Scotland Group plc (RBS) resolving federal civil claims that RBS misled investors in the underwriting and issuing of residential mortgage-backed securities (RMBS) between...

    • Posted August 31, 2018
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  • Back to school? Time to talk online safety

    You probably have a list of things to get done before your kids get back to school. It may include getting school supplies, figuring out carpools, and scheduling afterschool programs. There’s one more thing we hope you...

    • Posted August 31, 2018
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  • Tips to Avoid Getting Mugged at the Gas Pump

    With the summer travel season in high gear, the FTC is warning drivers about skimming scams at the pump. Skimmers are illegal card readers attached to payment terminals. These card readers grab data off a credit or...

    • Posted August 29, 2018
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  • Scammers Impersonate Celebrities on Social Media

    Did your favorite celebrity reach out to you on social media? Before you get too excited, are you sure it’s that person? Really sure? We’ve heard reports that scammers, who will try just about anything to separate...

    • Posted August 29, 2018
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  • 5 Unfair Debt Collection Practices to Watch Out For

    5 Unfair Debt Collection Practices to Watch Out For, by Financial Rescue, LLC. When you stop making payments on your outstanding debts, your creditor will either assign your debt to a collection agency or sell it to...

    • Posted August 29, 2018
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  • What You Need to Know About a 401k Force Out

    One of the benefits of writing about personal finance is that, when I find myself in frustrating financial situations, I at least enjoy the silver lining of getting an article out of it. This is what I...

    • Posted August 28, 2018
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  • U.S. Department of Education Proposes Overhaul of Gainful Employment Regulations

    WASHINGTON—The U.S. Department of Education today announced a Notice of Proposed Rulemaking (NPRM) that proposes to rescind Gainful Employment (GE) regulations in order to provide useful, transparent higher education data to students and treat all institutions of...

    • Posted August 28, 2018
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  • Jobs vs. Careers

    It took me a long time in the employment market to realize that a job wasn’t the same thing as a career. People have jobs, and this changes every day as people are let go or move...

    • Posted August 28, 2018
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  • Promoter pitches “secrets” to big bucks on Amazon

    Online ads and in-person workshops for Sellers Playbook claim to offer “secrets” to making big money on Amazon. But like a lot of namedroppers, the truth doesn’t live up to the hype. That’s what the FTC and...

    • Posted August 24, 2018
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  • Budgeting 101

    Budgeting is a way of prioritizing your spending through careful planning and organizing. This planning process lays out where all of your money goes. There are several reasons why tracking and budgeting funds are vital to financial...

    • Posted August 24, 2018
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