November 2009 Archives

Holiday shopping is stressful for some consumers and fun for others. No matter which pool of consumers you fall into, you need to exercises some cautionary behavior to keep yourself safe from identity theft. This is especially true during the...
A New York Judge sent a strong message to a California bank -enough is enough. When the Judge became annoyed and obviously frustrated by the bank's continual refusal to work out a loan modification with the distressed homeowners, he had...
Holiday shopping can be a lot of fun, but it can also place you at greater risk for identity theft. The hustle and bustle of holiday shopping often delays the discovery that sensitive personal data has been stolen. After all,...
Are you one of the countless consumers who have been snagged by deceptive web marketing practices? If you are, then you should be relieved to hear that the Senate is finally taking a closer look and considering strategies to watch...
This weekend, South Florida is the place to be! Whether you have questions about fair lending practices, loan modifications, mortgage servicing issues, abusive debt collection practices, bankruptcy, foreclosure defenses, or want to know what's being done about abusive credit card...
This scenario reads like a fairy tale, only without the happy ending. Once upon a time, consumers could correct flawed credit reports by challenging incorrect information, thereby ensuring themselves better interest rates when obtaining new credit or a quickly approved...
Regrettably, the recent downtime of my website has been frustrating and disappointing for myself and my readers who have all come to rely on this website. My hosting provider experienced difficulties that spilled over and led to serious downtime....
Forget about who is minding the store. The more important question here is who is protecting the identities of consumers? Which businesses care about protecting our data? Are there any financial institutions taking this crime seriously? If not, why aren't...
While pregnant woman, children and those with weak immune systems wait in long, long lines to get a dose of the H1N1 vaccine, we learn that Wall Street's wants -once again comes before Main Street's needs. They not only get...
Bernie Madoff is not the only one trying to lure potential investors into risky investments, which might seem lucrative but are questionable. Seniors living in affluent areas need to be especially cautious, as they are often the target of schemes...
It turns out that the biggest weapon we as consumers have to wield against financial predatory practices (the one that scares big banks the most) is one of my own personal heroes Harvard Law Professor and Chairman of the TARP...
The Federal Trade Commission (FTC) has once again delayed full enforcement of the new identity theft prevention measures known as the "Red Flags Rule." Many of the businesses compelled by the FTC to comply with these changes now have a...
A new petition urging Congress to take swift action and regulate the mortgage servicing industry is circulating and growing momentum. As the economy and homeowners continue to struggle, this unregulated industry continues to be the source of  much of the...
As I've noted in a number of earlier blogs, whenever someone discovers they've been scammed it doesn't take long to notice the scammer has gotten away with much more than just money. They manage to steal the victim's sense of...
A memoir exposing the steep price consumers pay when facing mortgage servicing errors, inaccurate credit reporting, illegal debt collection practices, identity theft and weak consumer protection laws. THE BOOK » DENISE'S STORY »