adult woman putting notebooks into child's backpack.

Back-to-School Budget: How To Plan for School Costs All Year

Families should budget for both the initial back-to-school shopping trip and for expenses that arise throughout the year, including extracurricular activities, school fees, and other

Budgeting
can you go to jail for not paying a payday loan

Can you go to jail for not paying loans 

Key Takeaways Can you go to jail for not paying loans? You can’t go to jail for not paying payday loans; lenders/collectors threatening jail is illegal…
Budgeting
How Long Before Collection Agency Reports to a Credit Bureau

How long before collection agency reports to credit bureau

Key Takeaways A collection agency may report a delinquent account to the credit bureaus as early as 31 days after a missed payment, following required validation…
Credit
can payday loans take you to court

Can Payday Loans Take You to Court?

Key Takeaways Yes, payday lenders can take you to court if you fail to repay your loan, and a court judgment may lead to wage garnishment,…
Cash Access
If A Debt Is Sold To Another Company Do I Have To Pay

If a debt is sold to another company, do I have to pay

Key Takeaways If a debt is sold to another company, you remain obligated to repay it. The new owner assumes collection rights, and you must direct…
Budgeting
Are Hardship Grants Really Free Money?

Are Hardship Grants Really Free Money?

Key Takeaways Hardship grants are real and do not require repayment, but approval is not guaranteed. Most grants offer smaller amounts, typically between $100 and $1,000, and…
Debt
What Does Pawning Something Mean

What Does Pawning Something Mean?

What does pawning something mean? When someone pawns something, they are taking out a loan using one of their possessions as collateral. The pawn shop…
Debt

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