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Earlier this year, California State Senator Bob Wieckowski introduced a bill that would require all California debt collectors to obtain a license from the state’s Department of Business Oversight. Understandably, this news sent shock waves through the debt collection community, and it was met with a very strong positive reaction from Senator Wieckowski’s constituents. Because [...]

The concept of teaching personal finance in high school classes has picked up steam over the past few years, but it is still a long way from being a requirement across the country. Many states are open to the possibility, but personal finance classes are only required in 21 states today, and five states (including [...]

Bad credit is one of the biggest issues plaguing consumers across the country today, but one issue that can be even worse is the struggle of having no credit at all. Created from the fear of bad credit that is rampant among consumers today, this situation can be just as damaging for today’s consumers, if [...]

The pressure of significant debt can often feel overwhelming, but when you take the time to break down any personal financial situation there are only ever going to be two solutions: make more money or spend less money. Since no one ever really wants to commit to spending less money, the best path towards a [...]

You’re in a tough spot. Delinquent accounts are pulling down your credit score. Constant calls from debt collectors are ruining your day. You feel like the situation is getting worse faster than it is getting better, and every move you make seems to come up just short of actually helping. Once you find yourself in [...]

It’s no secret that credit cards can have a serious negative impact on your personal credit score, but understanding exactly how that whole process works is something that most people don’t ever bother to consider...until it’s too late. Whether you are trying to qualify for a new home mortgage, buying a new vehicle, or just [...]

There is nothing quite like working with a quality client. No matter what type of business you are talking about, having clients that make life easy is the difference between loving what you do and dreading that alarm clock every morning. But just as you are constantly looking to bring new and better clients into [...]

Where you live might sound like a simple question. Some would say that the answer is obvious, but things get a little trickier when the incredibly high tax rates out here in California are brought into consideration. For years now, people have been fleeing California to avoid having to pay the state’s ridiculously high income [...]

Millions of Americans are struggling with massive amounts of debt all over the country these days, and diving deeper into the numbers shows that some areas are actually suffering more than others. Depending on the parameters you are using to define debt issues, you might find that things are worse in different parts of the [...]

While millions of Americans have been struggling with debt for multiple generations now, the current batch of millennials might be fighting the most difficult battle to date. After piling up school loans and credit card debt, some of today’s brightest young minds aren’t even able to qualify to worry about auto loans or home mortgages. [...]