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Understanding Subprime Auto Lending: What It Means for Consumers
While subprime auto loans may seem like a lifeline, they often come with significant downsides. Here's a breakdown of the risks associated with subprime lending:

Jeff Boe
Mar 33 min read


Repossessions: Why Is Your Deficiency Balance So High? Understanding How Deficiency Balances Work and What You Should Know
In this article, we’ll break down what deficiency balances are, how they’re calculated, why they often seem so high, and, most importantly,

Jeff Boe
Feb 34 min read


What the Truth in Lending Act Means for Auto Loans
The Truth in Lending Act is a federal law that requires lenders to disclose the full cost of a loan to the borrower. The goal of TILA is to promote transparency and ensure that consumers can make informed decisions about borrowing money. In the context of auto loans, the TILA ensures that all critical information about the loan, such as the annual percentage rate (APR), loan term, and total cost of financing, is clearly stated.

Jeff Boe
Jan 235 min read


Before You Buy: Why the Salesperson's Verbal Promises About Your Vehicle Carry No Weight
Here’s the truth: unless a salesperson’s promise is in writing and included in the purchase agreement, it’s not legally binding. This blog..

Jeff Boe
Jan 63 min read


Understanding UDAP Laws and How They Protect You
If you believe you’ve been the victim of unfair or deceptive business practices, there are steps you can take:

Jeff Boe
Dec 16, 20244 min read


The Hidden Pitfalls of Debt Relief Programs: Why You Should Avoid Them
If you are facing overwhelming debt and don't know where to turn, don't fall for the false promises of debt relief services. Instead, seek r

Jeff Boe
Dec 2, 20243 min read


The Role of Arbitration in Consumer Disputes
n this post, we’ll explore what arbitration entails, its benefits and drawbacks, and how it impacts consumers.

Jeff Boe
Apr 1, 20243 min read


Why You Should Avoid Auto Financing from Santander Consumer USA When Purchasing a Vehicle
Santander Consumer USA has faced numerous lawsuits and regulatory actions, highlighting unethical practices in its lending and debt collecti

Jeff Boe
Mar 12, 20242 min read


Why You Should Avoid Auto Financing from Credit Acceptance Corporation
However, numerous consumer complaints and legal challenges suggest that Credit Acceptance Corporation's financing terms can lead to long-ter

Jeff Boe
Feb 12, 20243 min read


Can They Really Take Your Car? Know Your Rights When Facing Repossession
what rights do you have in the face of a possible repossession? And how can you protect yourself?

Jeff Boe
Feb 5, 20243 min read


Your Voice Matters: Speaking Up Against Abusive Financial Practices
Consumer advocacy and protection laws are here to defend your rights against abusive financial practices, and it’s time to empower yourself

Jeff Boe
Nov 6, 20233 min read
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