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Consumer – Finance

House and a Dollar Sign

Reevaluating Reverse Mortgages

Reverse mortgages have been around for quite some time. The loans are marketed toward seniors (62 or older) who own a home and are looking for extra money to pay off a mortgage or finance a home. According to the U.S. Department of Housing and Urban Development, homeowners who...
23 May 14
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Student Loan Application

Can a Co-Signer Cause a Default on Your Private Student Loan?

When signing up for a private student loan, you would not expect that a co-signer could hurt or jeopardize your credit. Since private student loans tend to have higher interest rates, oftentimes student borrowers get a co-signer in order to reduce those rates. After 2008, the...
02 May 14
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Row of Houses

Why Housing Reform Needs to Include Affordable Credit for Minorities

Right now, there are several legislative proposals in Washington aimed at revamping the mortgage market. Of note, Senators Tim Johnson (D-S.D.) and Mike Crapo (R-ID) recently presented a housing finance reform bill that aims to eliminate the GSEs, Fannie Mae, and Freddie Mac, and...
27 Apr 14
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What Bank of America Customers Need to Know About the CFPB Penalty

Earlier this month, the Consumers Financial Protection Bureau charged Bank Of America and FIA Card Services for billing cardholders for services they did not receive or using improper methods to sell products to consumers. Services included identity theft protection and credit...
17 Apr 14
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Graduation Cap

New Bill To Require More Information Regarding Student Loans

One of the hardest things students face today is being able to afford higher education. While there are scholarships and grant programs college students can apply for, tuition and other costs more often than not outweigh the amount of free financial assistance. The Chronicle of...
10 Apr 14
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Warning Sign

U.S. Consumers Are Short on Retirement Savings

Federal Reserve data shows that nearly half of American families have savings for retirement. For one, a slow recovery from a lagging economy certainly doesn’t help. However, statistics from the Bureau of Labor Statistics show that over 60 percent of working individuals...
02 Apr 14
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Angry Deblt Collector

Debt Collectors Use Unlawful Tactics Despite Fair Debt Collection Practices Act

If you’ve ever owed money, you know that getting a call from the debt collector is never fun. Debt collectors often use unorthodox methods to pressure consumers into making payments. As a result, the industry has come under increased scrutiny for its tactics and business...
29 Mar 14
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This Website’s material is for informational purposes only. It is not legal advice, and it is not a substitute for legal advice. This website does not create an attorney-client relationship with persons who view it. Prior to taking any action that could affect their legal rights, consumers should always and under all circumstances consult with a qualified lemon law and/or consumer rights attorney. The Vachon Law Firm is licensed to practice in the State of California, and not in any other jurisdictions. This Website’s information is solely and exclusively for California residents. It is not a solicitation for employment in any other jurisdiction.

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