Articles

The Unending Ring: Telemarketing Calls and What You Can Do About Them

You may have seen HBO's new docuseries "Telemarketers."  It's a fascinating deep dive into the world of telemarketing, showing the tactics they use and the people behind the calls. It's a must-watch for anyone wanting to understand why these calls keep coming and what can be done about it. But what can you do if the world of Telemarketers comes calling on your cell phone?   And why, despite the government's best efforts, are they still buzzing our lines? First off, telemarketing is like playing the lottery. They're dialing for dollars and for every thousand folks who hang up, there's one ...

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Take Control of Your Mortgage: Tips for Dealing with Mortgage Servicers

Owning a home is a dream come true for many of us. However, it also comes with its own set of challenges, and dealing with mortgage servicers is one of them. A mortgage servicer is simply the company that you pay your mortgage payments to. While they generally keep decent records, they can still make mistakes like sending a statement with the wrong amount owed, unexplained charges, and failing to credit a payment. If you've ever noticed an issue with your mortgage statement, it probably caused you some alarm. Maybe your mortgage servicer misapplied your payment. Or, you were charged fees fo ...

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Car Repossession in South Carolina: What You Need to Know

Repossession is a process in South Carolina that allows a lender to take back a car when a borrower defaults on the loan or lease payments or some other condition of the loan (like keeping up collision insurance).   While a lender does not need a court order to do this, they may take a specific action that can be considered wrongful --  and create potential legal claims by the borrower. Here are the “Big 4” "No-No's" for lenders repossessing cars in South Carolina.  1. Breach of the Peace Lenders are prohibited from using force or threats of violence to reposse ...

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