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Monthly Archives: August 2022

DebtCollectionCall

Dirty Tricks That Collection Agencies Play And How To Avoid Them

By Nowack & Olson, PLLC |

The fifth book of Plato’s Republic, written in Greece in the fifth century, B.C. includes a reference to a riddle in which a man who is not a man threw a stone which is not a stone at a bird which is not a bird sitting on a tree which is not a tree. … Read More »

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DebtColl4

Can You Go To Jail For Failure To Pay A Debt?

By Nowack & Olson, PLLC |

Until the 19th century, imprisoning people who could not repay debts was a common practice in many countries.  There are even some buildings still standing in the United States that used to be used as jails for debtors.  While the Eighth Amendment to the United States Constitution forbids excessive fines and cruel and unusual… Read More »

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FinancTrouble

Lending Scams To Avoid At All Costs

By Nowack & Olson, PLLC |

If you read debt-free lifestyle blogs for inspiration on how to get out of debt, you run into a lot of advice about how you should never borrow money out of desperation.  This kind of advice comes across a lot like when Baby Boomers give you financial advice with the assumption that everyone has… Read More »

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Cash

The Next Worst Thing To Payday Loans

By Nowack & Olson, PLLC |

Payday loans deserve their reputation as instances of predatory lending.  There is a reason they are so popular, though.  People who take out payday loans know that the interest rates and fees are astronomical, but they take the loans, anyway, because it is the easiest way to get the money they need to pay… Read More »

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CreditR

What Is The Difference Between Credit Counseling And Credit Repair?

By Nowack & Olson, PLLC |

Improving your credit score and paying down your debts go together, but they are two separate personal finance goals.  Some people are trying to improve their credit scores so they can get out of debt, while others are trying to pay down their debts in order to improve their credit scores.  In the latter… Read More »

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Bankr22

What’s Your Money Archetype?

By Nowack & Olson, PLLC |

Some of Carl Jung’s writings on psychology describe modern fictional characters and the public perception of public figures, and even individuals’ perceptions of themselves as archetypes, symbolic character types that, according to Jung, appear in the myths of most or all or the world’s cultures.  Some famous examples of Jungian archetypes include the Ruler,… Read More »

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MortgageLoan

Which Kind Of Home Mortgage Loan Is Right For You?

By Nowack & Olson, PLLC |

Home ownership is a clear marker of financial stability, but given the availability of home mortgage loans, the situation is not quite so simple that you can easily divide people into two categories, the haves who own real estate, and the have nots who will never be able to do so unless their fortunes… Read More »

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Can A Balance Transfer Reduce Your Credit Card Debt?

By Nowack & Olson, PLLC |

Some credit card spending behaviors get a universally bad rap, such as taking cash advances from a credit card or using it to purchase groceries.  Other credit card maneuvers, like choosing credit cards over cash in order to get reward points, have their partisans, even though others find them wasteful.  If you ask five… Read More »

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Forecl9

Small Dollar Mortgages Are Elusive

By Nowack & Olson, PLLC |

Lenders go out of their way to lend money to people who are already well-off, who objectively own as much property as they need, even if they do not buy the expensive real estate property that they are borrowing money to buy.  Meanwhile, when you work constantly but your income falls slightly short of… Read More »

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Bankruptcy15

Learning Financial Literacy The Hard Way

By Nowack & Olson, PLLC |

Conventional wisdom says that you should read the fine print before you take out a car loan or sign a credit card agreement, but sometimes even reading every line carefully will not prepare you for all of the possible pitfalls of your decision to borrow.  Most adults in Florida are in debt; the ones… Read More »

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