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Category Archives: Debt

OverdraftFees

Good Riddance To Overdraft Fees

By Nowack & Olson, PLLC |

Anyone who has ever lived paycheck to paycheck has probably lamented that, unless you are wealthy enough to carry a hefty bank account balance at all times, banks charge you fees to use your own money.  It is just one of the many obstacles to getting out of debt.  Overdraft fees have been a… Read More »

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DebtHelp

What Could Go Wrong With An 84-Month Car Loan With No Minimum Credit Score Requirement?

By Nowack & Olson, PLLC |

People who are struggling with debt and living paycheck to paycheck often seek out loans with the lowest possible monthly payments.  This only makes sense, because it reduces your chances of defaulting on the loan in any given month.  The lower the monthly payment, though, the longer the term of the loan.  Choosing the… Read More »

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MedDebt

The No Surprises Act Offers Hope To Patients With And Without Health Insurance

By Nowack & Olson, PLLC |

“Don’t get sick” is the most cynical piece of personal finance advice but also the wisest.  Medical debt has ruined more Americans’ finances than any other kind of debt.  Even the most financially cautious people, the ones who would never enroll at a university that cost more than their scholarships and savings would pay… Read More »

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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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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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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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DebtFree

Freeing Yourself From Parent PLUS Loans Is A Challenge, But It Can Be Done

By Nowack & Olson, PLLC |

Many parents dream of amassing a college fund for their children, one that will enable them to graduate from college debt-free, but this is much harder than it sounds.  As wages stagnate while the price of tuition, dorms, and textbooks rises sky high, parents are less and less able to afford college, while employers… Read More »

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