Dynamic Guidance And Advocacy Throughout Northern Virginia
Reports of cybersecurity and data breaches are often in the headlines. But none are as catastrophic as the most recent, massive, data breach that affected billions of accounts. News outlets like Forbes and Cybernews are reporting that billions of usernames and...
Undergoing a comprehensive medical procedure is nothing short of an ordeal. A good deal of preparation goes into planned procedures. Unexpected emergency medical events are even more stressful. Throughout it all, you have to trust that your health care insurance will...
Hiring a licensed contractor for your home renovation project should bring peace of mind, knowing that you are entrusting your home to a qualified professional. However, what happens when your licensed contractor hires an unlicensed subcontractor? This situation can...
Identity theft is a distressing experience. Having your identity stolen is an attack on your financial security and creates anxiety over your financial future. When someone steals your identity, they can accrue debt in your name, leaving you to have to prove your...
Most individuals and families use credit as a regular financial tool to manage expenses and facilitate major purchases. “Credit” broadly is a transaction between a lender or creditor and a consumer-borrower where the lender allows the consumer to make a purchase or...
The commonwealth of Virginia has one of only about 15 mandatory state passenger-vehicle inspection programs in the country. While sometimes compliance seems like a hassle for a vehicle owner, a 2020 national study found that when a state requires safety inspections...
Most consumers expect to use credit for major purchases and needs. Common types of consumer credit include home mortgages, student loans, vehicle loans, home improvement loans, lines of credit and credit cards. People are careful to build good credit ratings through...
Many Virginians faced serious economic losses during the COVID-19 pandemic, followed by another financial challenge from household budget-busting inflation. For some whose credit scores also took a hit, it may have taken months of careful money management to rebuild...
In 1996, two bankers started giant debt-collection business Portfolio Recovery Associates, LLC (PRA), with its headquarters in Norfolk, Virginia, and other commonwealth offices in Danville and Hampton as well as in other states. In about 25 years, PRA has become one...
On April 26, 2023, the federal Consumer Financial Protection Bureau (CFPB) reinforced its official stance that debt collectors may not attempt to collect stale consumer debts. The agency did so in a new Advisory Opinion about this prohibition of the Fair Debt...
