With household debt at record highs, many Americans are searching for a way out of overwhelming credit card balances. Debt relief companies often position themselves as a solution, promising reduced balances and a path to financial freedom. But what many consumers don’t fully understand is how these programs actually work — and the risks involved. […]
Monthly Archives: July 2026
28
Jul
Jul
At Credit Law Center, we regularly hear from clients who opened a card for a great sign-up bonus, used it just long enough to earn the reward, and then quietly stopped touching it. It’s a common habit, but it’s worth understanding what actually happens to a credit card that sits unused. In many cases, the […]
23
Jul
Jul
How To Deal With Debt Collectors I have recently been receiving strange calls from someone trying to collect money from me, what do I do? As a consumer, it is important to be educated about the process by which an actual collection agency attempts to collect debts as opposed to scam callers asking you to […]
Building Credit, Credit Repair Blogs, Credit Score
Credit Scores Are Slipping Nationwide — Here’s How We Can Help You Rebuild Yours
16
Jul
Jul
The average U.S. credit score has dipped to 715, according to FICO’s April 2025 Credit Score Insights. While this still falls within the “good” range, it marks a two-point drop year-over-year — the steepest decline since the Great Recession. For many Americans, this shift is more than just a number; it’s a signal that financial […]
14
Jul
Jul
Receiving a court summons for an unpaid debt can feel overwhelming. What started as a financial challenge can quickly escalate into a legal crisis — with potential consequences like wage garnishment, a judgment on your credit report, or even asset seizure. Creditors and debt collectors file hundreds of thousands of lawsuits every year, often hoping […]
09
Jul
Jul
So now is the time. You’ve been dreaming of becoming a homeowner. Striking out on your own. Building your own equity. No longer wanting to continue contributing to your landlord’s wealth in your monthly rent payments! This thrilling news and a major positive life stage! But what if you are like millions of Americans that […]
02
Jul
Jul
For many people, especially young adults, a credit score is something they rarely think about until an important financial opportunity comes along. Whether you’re applying for your first mortgage, financing a vehicle, qualifying for lower insurance premiums, or even interviewing for certain jobs, your credit score can quickly become one of the most important numbers […]