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September 2017 Archives

Student loans: the numbers and solutions

When the topic of personal debt is brought to mind, credit card accounts are typically at the forefront of concern. Yet another type of debt that has recently moved to the center of public attention in Ohio is that produced by student loans. An overwhelming number of individuals who sought higher education now face the burden of student debt, which, in many cases, can result in bankruptcy and a multitude of other issues. 

Not all debt collection practices are legal

The last thing that Ohio residents who have debts that they are finding it difficult to pay need to deal with are annoying and overly pushy debt collectors. Fortunately there are laws in place that protect consumers from what may be harassing activities. However, despite these laws some debt collectors still go too far in the effort of obtaining payment. Consumers should be educated about what is legal and what is not in this regard so as to protect their rights.

Not all collectors of debt must abide by the FDCPA

The Federal Trade Commission is the United States' consumer protection agency. Its duties include enforcing the Fair Debt Collection Practices Act for Ohio consumers as well as consumers throughout the country. This law makes it illegal for debt collectors to use abusive or unfair methods to collect on debt owed by consumers.

Will the state of student loans ever improve?

College students nationwide wonder about their futures regarding student loans, and how they will pay off those loans. Oftentimes, these students and graduates fall into an unfortunate pocket of student debt that lingers for years, and even decades, after graduation. Ohio is all too familiar with this type of debt, and recent news shows that the state even has the most student debt in the country. What causes this overwhelming amount of debt, and what are the possible solutions?

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