Call from the IRS Demanding Payment? Hang Up!

When our office got a call from the “IRS,”  threatening to “download” our “case for prosecution” unless we called a certain phone number, we hung up on them.  Here’s why: Taxpayers Should Be Wary of Unsolicited Calls from the IRS By ConsiderChapter13, on October 8th, 2017 Taxpayers who get an unexpected or unsolicited phone call […]

The Twelve Ways of Gift Cards

I love gift cards! I can use them to get what I want. I can save them until I really need something. I can treat them like “mad money.” But, as a both a purchaser and a user, I also have to be careful with them. Here are twelve reasons why: 1.  Make sure that […]

Have You Requested Your Free Credit Report?

The Fair and Accurate Credit Transactions Act (FACT Act) of 2003 allows everyone to receive one free credit report from each of the three main credit-reporting agencies once a year. How to Get Your Report Equifax, Experian and TransUnion, the three main credit-reporting agencies, created a central source,, where consumers can go to request […]

Never Ignore a Lawsuit!

They don’t go away on their own. What if I don’t go to court? If you receive a summons and don’t go to court, you will automatically lose!  Your creditor will ask for a “default judgment” against you. Since you are not there to protest, the judge will probably grant your creditor’s request.  GAME OVER!

Where does the money go? Car dealer “Advantage Plan”

This morning I took my car to the dealer for its routine 5000 mile maintenance (oil change, tire rotation, and “quality vehicle inspection”).  I had just sat down when I saw the service rep came toward me, not with bad news about a major car problem, but to