YcY Solutions

07/12/2023

Remember, affirmations can be a powerful tool for building self-belief and cultivating a positive mindset. Repeat these affirmations daily to reinforce positive thoughts and embrace a more optimistic outlook on life.

10/06/2022

05/16/2022

https://securecdn.pymnts.com/wp-content/uploads/2022/05/cfpb-768x461.jpg so this just goes to show you that these companies take advantage of us the consumer all the time.

05/13/2022

People ask how can I afford an attorney to get out of debt if I’m already in debt?
It’s simple you contact me and I’ll explain how our panel of attorneys will help you become debt free

05/11/2022

A debt lawyer is someone with the knowledge, credentials and skill to help consumers struggling with debt sort through their financial troubles. Representing clients in cases against debt collectors is a form of consumer law, the branch dedicated to protecting consumers against unfair trade and credit practices. Debt lawyer negotiate deals with creditors, handle lawsuits from credit card companies and other lenders and, when a client’s finances are beyond repair, file for bankruptcy.

Debt lawyers have become more prominent because household debt in the U.S. has jumped 11% over the last decade to an average of $134,643 (including mortgages) and credit card and auto loan debt are going over the $1 trillion, mark. With so much money owed, debt collection agencies are getting more and more aggressive in trying to collect. The Consumer Financial Protection Bureau says there are more than 6,000 debt collection agencies in the U.S. and their revenue for 2016 was more than $12.2 billion.

The CFPB says 70 million consumers were contacted by debt collection agencies in 2016 and about 17.5 million of them felt threatened by the call. Those people are seeking help from debt lawyers to fight back against aggressive debt collectors in court. If a debt collector is relentless in trying to recover money you owe, a debt lawyer is a good resource to help you understand your rights and provide a path to escape harassment or illegal tactics.

05/05/2022

CONSUMER BANKING VIOLATIONS
Despite consumer protection laws designed to prevent abusive practices on the part of the financial industry, there are still some unethical practices that consumers fall prey to. These include issues with bank accounts, overdraft fees, prepaid debit cards, credit cards, mortgages and home equity loans, and home equity lines of credit (HELOCs). Furthermore, consumer banking violations can occur when certain people or groups of people are excluded from certain banking services or are not made aware that those services exist.

05/05/2022

CONSUMER BANKING, LENDING VIOLATIONS, AND DECEPTIVE PRACTICES
Lending violations and deceptive practices occur when companies involved in the financial industry take advantage of consumers for their own financial gain. They allegedly do so to make a larger profit, to decrease the amount of money the financial institution spends, or to make the financial institution appear more financially stable than it actually is. These unethical organizations include financial institutions, credit card issuers, and mortgage lenders who violate their contracts with their clients or engage in abusive practices. Despite consumer protection laws designed to prevent such abuse, there are still violations of consumer laws that often leave the consumer without his or her hard-earned money.

05/04/2022

3 Keys to Happiness:

1. Accountability - don’t blame anyone but yourself, whether it’s true or not in every situation.�It sounds crazy, but this will keep you happy.

2. Eliminating entitlement - I am blown away by people’s entitlement.�You’re not owed anything.

3. Be nice - be nice to yourself, and if you’re lucky enough to be feeling good, give roses to people.�Because people are going to be the fuel that gets you there.