Wage garnishment is a legal process that allows creditors to take a portion of your wages to repay a debt. It is a stressful and frustrating experience, especially if you are already struggling to make ends meet. However, there are steps you can take to stop wage garnishments and protect your income. In this guide, we’ll explore some of the ways you can prevent or stop wage garnishments and regain control of your finances. Understanding Wage Garnishment The first step to stop wage garnishments is understanding how they work. Wage garnishment is a legal process where a creditor collects a debt ..read more

Identity theft is a growing problem that affects millions of people every year. It can cause significant financial and emotional damage. Recovering from an identity theft event can also be a long and difficult process. That’s why it’s essential to have an identity theft recovery plan in place to protect yourself from identity theft. The Importance of Having an Identity Theft Recovery Plan Identity theft can happen to anyone, and it can be incredibly damaging. It can result in fraudulent credit card charges, unauthorized withdrawals from your bank account, and even damage to your credit score ..read more

Maintaining accurate credit reports and understanding credit reporting are crucial for financial success. Credit reports provide a snapshot of an individual’s credit history and financial behavior, which can impact a wide range of financial opportunities, such as obtaining loans, securing employment, and renting housing. Credit reporting agencies, also known as credit bureaus, collect and report information from various sources, including creditors, lenders, and public records. The information they collect, maintain, and distribute is known as a credit report. Understanding credit reporting an ..read more

Credit card lawsuits are a common occurrence in the world of consumer finance. If you’ve been served with a lawsuit by your credit card company, it’s important to respond promptly and appropriately. If the credit card company hired a debt collection agency the same is still true. Failure to respond can result in a default judgment. That leads to wage garnishment, bank account levies, and other legal collection methods. In this article, we’ll explain what credit card lawsuits are, why they’re filed, and how to respond to them effectively. Understanding Credit Card Lawsuits Credit card lawsuits ..read more

Numerous websites claim there is a magic 11 word phrase to stop debt collectors. That is false. The notion of an 11 word phrase to stop debt collectors is an Internet myth. It was created and perpetuated by individuals and marketing companies to sell advertisements and books. The truth is that there are no magic words to stop a debt collector from collecting the debt.   In case you are wondering what the 11 word phrase to stop debt collectors is supposed to be its “Please cease and desist all calls and contact with me immediately.” Why doesn’t the 11 word phrase actually stop debt collect ..read more

One of the most powerful tools used by debt collectors is a writ of execution. A writ of execution is a court order that allows creditors to seize property or money from the judgment debtor. In this article, we’ll explain what writs of execution are, how they work, and what you need to know to effectively stop them from taking everything you own. What is a Writ of Execution? A writ of execution is a court order that directs a sheriff, constable, or other law enforcement officer to seize property or money from the judgment debtor. The purpose of the writ is to satisfy a judgment that has been e ..read more

Drafting an answer to a debt collection lawsuit is a scary proposition for most people—especially those who have not gone through the process before. While some debtors can’t afford an attorney, the reality is that you actually have some very powerful legal rights when it comes to dealing with debt collectors. This article discusses some common examples of affirmative defenses for filing an answer to a debt collection lawsuit. What are affirmative defenses in debt collection lawsuits Affirmative defenses are reasons or excuses why you should win your debt collection case. A properly asserted a ..read more

Injured workers are generally protected from debt collections of medical debts that occur at work. This is true under Utah law and the federal Fair Debt Collection Practices Act. In many cases you do not have to be victim to workers compensation medical debt collection practices. What is the Utah Workers Compensation Act? The Utah Workers Compensation Act is a state law that provides benefits to employees who are injured or become ill as a result of their employment. The law requires most Utah employers to carry workers’ compensation insurance, which covers medical expenses, lost wages, and ot ..read more

If Utah County constable Michael Erickson, Utah County constable Rob Kolkman, or any other Utah County constable threatens to sell your personal property at a public auction to force you into a payment plan they might be violating your rights. These are valuable cases so don’t let them threaten, harass, or abuse you. Fight back! What is a Utah County constable? A constable is a law enforcement officer who is primarily responsible for serving legal papers. In Utah, they also handle evictions, garnishment paperwork, and public asset sales. What is service of process? Service of process means giv ..read more

What is Revenge Porn? Revenge porn laws protect against the distribution of sexually explicit images or videos of an individual without their consent. Revenge porn, also known as non-consensual pornography, often happens when a person shares sexually explicit content, such as nude or sexually suggestive photographs or videos of their partner or ex-partner with the intent to harm or humiliate them. This content is often shared with friends, family, or on the Internet with the intent to cause emotional distress, damage the individual’s reputation, or even ruin their career and personal relations ..read more