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Michael Rapp

Understanding Warranty Fraud

You just bought a new refrigerator that comes with a three-year warranty, and the icemaker breaks a couple of months after purchase. You expect the warranty to cover repairs or replacement, but you call the seller or warranty provider and get the runaround.
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Michael Rapp

I Have Insurance, but I Was Sent to Collections

Medical debt is among the leading causes of financial adversity in the United States. According to the Journal of General Internal Medicine, as of 2019, about 137.1 million Americans have medical debt. Of these, approximately 62% report having health insurance. Medical insurance covers the cost of your treatment and protects you against unexpected, high medical expenses.
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Michael Rapp

COVID Mortgage Forbearance

Through government-sponsored forbearance programs, 12% or more of U.S. homeowners were able to pause their mortgage payments during the pandemic. As of May 2021, 2.2 million of those homeowners still owed money from the pause, according to a survey by the New York Fed. Of those, 2.9% are expected to face delinquency and possible foreclosure.
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Michael Rapp

COVID Student Loan Forbearance

When the pandemic struck in March 2020, the federal government moved quickly to provide relief to federal student loan borrowers, lowering the interest rate to 0% and forgiving student loan repayment with an initial deadline of September 30, 2020. The deadline keeps getting extended and now stands at September 30, 2021.
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Michael Rapp

Understanding Unfair Student Loan Practices

Obtaining a degree in the United States requires a huge financial sacrifice. Unfortunately, student loan borrowers are often subjected to unethical practices, unsavory behavior, or predatory tactics from loan providers.
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Michael Rapp

When Telemarketing Calls are Excessive

You come home from work and you find a slew of voicemail messages, and the calls all have automated voices. Your iPhone may even warn you of “scam likely” on some of the calls. How do you stop these automated calls, also known as “robocalls?” Or can you?
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Michael Rapp

Do Creditors Have the Right to Harass?

Consumer watchdog website NerdWallet commissioned a survey by The Harris Poll, released in January 2021, which showed that just one in seven Americans, or about 14%, report their financial situation improved during the pandemic.
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Michael Rapp

Your Right to Dispute Errors on Your Credit Report

Economic disruptions caused by the global pandemic can result in individuals missing or being late on a credit card or other payment, so it's important to check your credit report frequently to see what’s going on. You never know when erroneous or potentially damaging notations may appear on your report.
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