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Author Archives: Jay Butchko

DebtDefense

Mistakes To Avoid When Dealing With Collection Agencies

By Nowack & Olson, PLLC |

Phone conversations with collection agencies are among the most unpleasant types of human interaction.  Family law courts sometimes order divorced parents who cannot talk to each other without fighting to communicate through apps like Our Family Wizard instead of talking to each other face to face or by phone.  If only there were a… Read More »

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Is It Ever A Good Idea To Take Out A Personal Loan?

By Nowack & Olson, PLLC |

You know you are an adult when you dread the sight of the mail truck.  When you are a child, postal mail addressed to you is a cause for literal celebration; almost every piece of mail you receive is a holiday greeting card or a party invitation.  When you are an adult, however, your… Read More »

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MoneyCreditCard

Credit Card Limit Increases: What Could Possibly Go Wrong?

By Nowack & Olson, PLLC |

Getting an offer for a credit limit increase on your credit card feels like a win, especially if you are trying to rebuild your credit after a bankruptcy filing or another serious struggle with debt.  Your instinct might be to jump at every opportunity to increase your credit limit; after all, an increase in… Read More »

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CouplePlanning

You Can Get A Home Mortgage With Lackluster Credit, But Should You?

By Nowack & Olson, PLLC |

Owning a house gives homeowners a feeling of financial stability, even if they must contribute a large portion of their income each month toward mortgage payments.  Unfortunately, most people in our society live paycheck to paycheck, and home ownership remains elusive.  The good news is that it is possible to qualify for a home… Read More »

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Debt6

How To Stop Debt From Ruining Your Mental Health

By Nowack & Olson, PLLC |

The percentage of professional economists who plan to continue working beyond their 70th birthdays is much higher than the total percentage of total workers who do not plan to retire before age 70.  Ask these economists why they are delaying indefinitely, and they will tell you that it is because their work is so… Read More »

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BankruptMoney

Debt Consolidation Can Help Your Financial Situation, But Only If You Do Your Research

By Nowack & Olson, PLLC |

If you struggle with debt, as most of us do, you probably get lots of notices in the mail from banks offering you personal loans with which to consolidate your debt.  On fact, they may even make it sound like consolidating your debt is a universal solution to everyone’s debt problems.  If that were… Read More »

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MedDebt2

Going To The Emergency Room Just Got More Expensive For Insured Patients

By Nowack & Olson, PLLC |

When you are sick, should you go to the emergency room or wait until Monday morning, when doctors’ offices reopen?  On the one hand, some common and non-specific symptoms can be signs of life-threatening conditions where prompt medical treatment is your only hope for survival.  Is it just a stomach ache or appendicitis?  A… Read More »

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MedDebt

The Biggest Source Of Consumer Debt Is Not The Consumers’ Fault

By Nowack & Olson, PLLC |

It is tempting to blame people who are struggling with consumer debt to blame the problem on individual borrowers; perhaps it is human nature to be attracted to Schadenfreude.  When someone tells you that their divorce ruined their finances, your inner grouch says, “That’s what you get for marrying a gold digger.”  When someone… Read More »

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DebtColl3

Is Debt Buying The World’s Ickiest Profession?

By Nowack & Olson, PLLC |

It is normal to be indignant when a creditor calls you and pesters you about money that you owe them but have been unable to buy.  There is a reason that movie audiences cheered during an early scene in the movie The 40-Year-Old Virgin where Catherine Keener’s character cusses out the caller who she… Read More »

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Bankruptcy,Law,Concept.,Insolvency,Law.,Company,Has,Problems

What To Do Instead Of Paying A Collection Agency

By Nowack & Olson, PLLC |

Dealing with collection agencies is a truly unpleasant experience, but just how did your debt become the collection agency’s business in the first place?  Most of the time, a creditor (such as a hospital credit card company, or any other entity from which you have consented to receive services in exchange for payment) sends… Read More »

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