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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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Michael Rapp

Avoiding Credit Card Delinquency

According to the Federal Reserve Bank of New York, credit card delinquencies during the pandemic have risen to nearly 10 percent. In Quarter 2 of 2020, the rate was 9.8 percent, inching toward the Great Recession record of 13.7 percent.
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Michael Rapp

Child Identity Theft<br/> Is a Serious Issue

In 2017, more than 1 million children were victims of identity theft, resulting in total losses in excess of $2.6 billion, including $540 million in out-of-pocket losses to families. You probably thought identity theft was only perpetrated on adults, right? Wrong.
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Michael Rapp

Going to Jail in Missouri May Cost You Room and Board

On any given day, more than 40,000 people are sitting in Missouri jails and prisons. Some have been sentenced for a crime. Others are waiting for the disposition of their case. In the State of Missouri, all are paying for this privilege.
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