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Recent Blog Posts

MedicalDebt4

Surprise, Surprise! Medical Debt Continues To Wreck Floridians’ Finances

By Nowack & Olson, PLLC |

The cost of healthcare is a major burden to Americans in all 50 states, but the situation is especially bad in Florida.  The Sunshine State is one of only 12 states that has not adopted Medicaid expansions pursuant to the Affordable Care Act.  It is almost impossible for adults to get Medicaid in Florida… Read More »

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BankLaw

Are Pawn Shop Loans Even Worse Than Payday Loans?

By Nowack & Olson, PLLC |

One of the worst things about not having your own bank account is having to pay to use your own money.  Cashing a paycheck costs a percentage of the amount of a check, and the cost of money orders adds up when you don’t have a checking account or debit card to pay bills… Read More »

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PetLoan

Pet Store Loans Are Predatory Lending At Its Worst

By Nowack & Olson, PLLC |

In certain parts of South Florida, you are never fully dressed without a Labradoodle strutting by your side or a miniature schnauzer in your bicycle basket.  Of all the expensive status symbols you see on display, the pedigreed dogs are the ones that it is hardest for frugal and status-unconscious curmudgeons to hold a… Read More »

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CouplePlanning

When To Borrow A Personal Loan And When Not To Borrow One

By Nowack & Olson, PLLC |

If you are in debt, and almost everyone is, you probably open your mailbox every day to find it full of advertisements for personal loans.  Don’t be so quick to fall for those loan offers that flood your mailbox, though.  Some of them are outright scams, despite recent regulatory efforts to stop false advertising… Read More »

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CreditCards4

How Bad Is It That Credit Card Balances Are 15 Percent Higher Than Last Year?

By Nowack & Olson, PLLC |

“Pay off your credit card balance in full every month” ranks highly among the most naïve pieces of financial advice most of us have ever heard, right up there with, “If you bring coffee from home instead of stopping at Starbucks on the way to work, soon you will have saved enough money for… Read More »

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Taxes8

Old Year’s Resolutions Can Help You Save Money On Taxes

By Nowack & Olson, PLLC |

The time to panic about being able to afford holiday celebrations comes and goes quickly; soon it will be Divorce Monday, the first business Monday of the year.  Even if you are single or if you and your spouse are committed to honoring your vow to stay together for better or worse, the transition… Read More »

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CarShopping

How To Avoid An Unaffordable Car Payment

By Nowack & Olson, PLLC |

When friends from obscenely expensive cities like New York, San Francisco, and Washington, D.C. visit you in South Florida, they might admire the apparently simple life we lead here in the Sunshine State, but they are not seeing the whole picture.  In the urban centers and inner suburbs of the nation’s wealthiest metropolitan areas,… Read More »

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Debt8

Have Your Debt Problems Reached Crisis Levels?

By Nowack & Olson, PLLC |

Before you set your financial goals for the new year, it is time for some debt triage.  Paying your debt down to zero by 2024 is an appropriate New Year’s resolution for someone who is new to debt, but you have been trying to pay down your debts since 1993, and they only keep… Read More »

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BankruptcyFiling

Predatory Lending Is Not Just About High Interest Rates

By Nowack & Olson, PLLC |

The first thing that comes to mind when most consumers think of predatory lending is payday loans, since those loans have astronomically high interest rates, and they typically advertise to consumers who have no other access to credit; many borrowers of payday loans do not even have bank accounts, and qualifying for a credit… Read More »

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CreditCardDebt

How To Stay Out Of Trouble With Buy Now Pay Later

By Nowack & Olson, PLLC |

Buy now pay later (BNPL) entered the popular lexicon at around the same time as social distancing and Zoom fatigue, but it is not a new concept.  If you are old enough that you ever had to watch episodes of a comedy or drama series on television instead of bingeing it on Netflix or… Read More »

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