You’ve been dodging calls for months. Your anxiety spikes every time the phone rings. Finally, an email pops up from the bank. It’s a Settlement Offer. You open it. Your eyes go straight to the numbers. Your heart stops racing. You do the math – that’s a massive 66% discount. You think, “This is it. … Read more
If you have a credit card default, you have likely received an email with the subject: “Arbitration Proceedings Initiated.” It looks scary. It has a “Case Number.” It threatens a “Sole Arbitrator.” Don’t panic. This is usually a bluff. The Secret: It’s Not a Real Court Platforms like Sama are “Online Dispute Resolution” (ODR) services. … Read more
The “Legal Shield” That Didn’t Work If you are reading this, you are probably where I was three months ago: Drowning in debt, terrified of recovery agents, and looking for a lifeline. You’ve probably seen the ads for SettleMyLoan (SML), Freed, or SingleDebt. Their pitch is seductive: “Pay us a monthly subscription, and we will … Read more