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The People’s Lawyer’s Tip of the Day

Most negative information stays on your credit report for seven years, a bankruptcy for ten. The time is not extended, however, when the debt is sold or assigned to a new person such as a debt collector. If a debt collector tries to "re-age" a debt, tell the credit bureau and demand they correct the incorrect information. Click here for more.

ATM Fees Up, Free Checking Down

According to an industry report issued earlier this week, average ATM fees have risen to a record high of $4.07 per transaction (for using a competitors ATM). Additionally, only 39% of banks now offer free checking. Three years ago, 76% of the major banks offered free checking.




So, what's with the sudden changes?




Banks are likely responding to new federal regulations governing overdraft fees and debit card swipe fees, looking for replacement revenue.





Find out how you can still avoid fees and bank for free! Click here for more.

Comparing Health Insurance Plans

A good insurance plan can save you a lot of time and money. This year, the National Committee for Quality Assurance (NCQA) has ranked 474 private plans, 395 Medicare Advantage plans, and 115 Medicaid HMOs. Find out how they rank! Click here for more.

Your Money

Which lender has the better loan? Click here for more.

For the Lawyers

Debt collection letter does not overshadow or contradict FDCPA's notice under least sophisticated consumer standard. The Fifth Circuit affirmed the district court's opinion finding that the collector's letter that urged "timely action" and warned of "bad consequences," did not violate the Act. Click here for more.