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Monthly Archives: July 2022

MedicalBills

Beware Of Fraudulent Medical Bills

By Nowack & Olson, PLLC |

Most of the time, when you get a medical bill that you can’t pay, your best choice is to be honest with the healthcare provider about your financial hardship.  With enough research and resourcefulness, you might be able to persuade the provider to settle the debt for a much lower amount than they originally… Read More »

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Bankruptcy20

Downtown Miami Condo Company Files For Bankruptcy Just In Time To Avoid Foreclosure

By Nowack & Olson, PLLC |

Filing for bankruptcy protection is not just for people who live paycheck to paycheck.  Plenty of high-net-worth individuals, including some celebrities who chose to make Florida their home even though their fame extends throughout the world, have filed for bankruptcy.  The right to file for bankruptcy protection applies not only to individuals but also… Read More »

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CreditReport

Freezing And Unfreezing Your Credit Report

By Nowack & Olson, PLLC |

Monitoring your credit score can be stressful, especially if it is getting lower, or if it is not increasing as quickly as you would hope.  Even worse, requesting credit reports too frequently can adversely affect your credit score, so the best-case scenario is just to live with the uncertainty of only finding out whether… Read More »

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PetLoan

Pet Store Loans Through Rent-A-Banks Are A Perfect Storm For Debt

By Nowack & Olson, PLLC |

Most people’s debt problems are not the result of consumers wantonly spending beyond their means.  Instead, catastrophic debts usually result from medical emergencies, chronic illnesses, the need to support family members who are unable to work, or just the simple fact that everything is expensive and many jobs do not pay well enough to… Read More »

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Debt7

Legal Protections Against Predatory Automatic Renewals

By Nowack & Olson, PLLC |

Most people’s debt problems are not due to poor financial decisions but simply to the fact that, unless you were born into money, necessary expenses have become unaffordable.  Despite this, cutting your expenses as much as possible can help you reduce your debt and put yourself on firm footing for bigger interventions like applying… Read More »

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StudentLoanDebt2

Getting Out Of Debt After Consolidating Your Student Loans With Your Spouse’s Student Loans

By Nowack & Olson, PLLC |

Being honest with your spouse about your financial situation, including your debts, before you get married, is a good way to ensure a strong marriage.  Some couples decide, based on their premarital conversations about finances, to merge their assets and their debts as much as possible, while others decide that the best way to… Read More »

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CreditorCall

4 Abusive Debt Collection Tactics That Are Perfectly Legal

By Nowack & Olson, PLLC |

It is illegal for creditors to contact you about repayment of debts before 8:00 in the morning or after 9:00 at night.  They cannot contact you at your workplace or otherwise publicly shame you about failing to pay money that you owe.  They cannot threaten you, curse at you, or call you offensive names. … Read More »

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Debt4

The Statute Of Limitations For Florida Debts

By Nowack & Olson, PLLC |

Conventional wisdom about personal finance holds that ignoring debts can only make them worse.  Meanwhile, debts have a statute of limitations, which means that, if you have not made payments toward a debt after a certain amount of time has gone by, there is little that creditors and debt collectors can do to get… Read More »

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CouplePlanning

Are Microloans Your Best Hope For Getting Access To Credit?

By Nowack & Olson, PLLC |

In 2006, the economist Muhammad Yunus won the Nobel Peace Prize for his role in founding Grameen Bank, an organization that provides microloans to women in Bangladesh who would not otherwise have access to credit.  In 2008, Professor Yunus founded Grameen America, which operates on a similar model to provide microloans to women in… Read More »

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BalloonMortgage

How Risky Are Balloon Payment Mortgages?

By Nowack & Olson, PLLC |

From groceries to insurance premiums, the most affordable ones are reserved for people whose finances are already in pretty good shape.  The same rule applies to mortgages.  The most affordable home mortgage loans are called qualified loans.  Before entering into a loan agreement for a qualified mortgage, the lender conducts a rigorous review of… Read More »

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