Author Archives: Richard Allen

Your team at the Heritage Credit Group all agree: It is time to pay down your credit cards. Credit card debt is the most difficult to overcome for a couple of reasons, but there is a Simple Fix Formula:   There is very little to show for cc purchases in most cases.  An auto loan is... View Post

Tip of the Month: Protecting Your Tax Return Money

For the next few months, merchants will be coming at consumers hard with Specials, Sales, Discounts, Advertising, New Products, with one thing in mind:

It is an all-out grab for your tax return!!  Tax return money is viewed as “Disposable Income” which means your money is being targeted by the market place!

Your TIP for this month is; “buck the system and don’t be a victim”!  Ear-mark your tax-return money for yourself.  Plan on putting it into a savings account or a CD or some other investment and turn that money into more money—money for you and not for big business!

Time doesn’t fill the success-oriented person. They fill the time.

(Gratefully borrowed from Jeff Hayden, editor, Inc.)

Ten Habits for Personal Growth are employed by successful people on a daily basis.  The habits are not always easy but it will always make a difference. And over time, that’s what will make you incredibly successful. The Ten Habits belief-pattern includes how we use our time. This month’s tip is:

Time doesn’t fill the success-oriented person. They fill the time. 

Average people allow time to impose its will on them; remarkable people impose their will on their time. How to make best use of your time starts with this. Deadlines and time frames establish parameters, but typically not in a good way. The average person who is given two weeks to complete a task will instinctively adjust his effort so it actually takes two weeks.

Forget deadlines, at least as a way to manage your activity. Tasks should only take as long as they need to take. Do everything as quickly and effectively as you can. Then use your “free” time to get other things done just as quickly and effectively.

Perhaps there are no derogatory entries on your credit report; no late pays, no collections. You have one credit card and been paying it religiously for three years.  Your debt to income ratio is in range.  But your FICO score is still low.  Is there anything you can do to improve... View Post

Can I Sue Telemarketers?

Yes!  Your tip for this month is to sue your telemarketer!

Telemarketers must follow the same guidelines as debt collectors, banks, credit card agencies and any other company making robocalls, or calls in person, and they rarely do.

If your rights, as defined by federal law, have been violated and you’re sick of telemarketers blowing up your phone, you may be able to seek compensation for each violation through a lawsuit. The TCPA allows consumers to seek $500 per illegal robocall and $1,500 per illegal robocall that was made willfully.

What not to do:  These calls are so aggravating, the common response is to yell, slam the phone or simply let it go to voice mail.  Do none of the above.  

Instead do this:

Take the call, stay calm and confirm who the caller is and then politely hang up.  Keep a record of what company called. Now when they call again, take a screenshot of the incoming calls and keep the record of those.

Next, contact us today (805) 619-5131 for a FREE consultation. Our attorney may be able to help stop the phone calls and recover compensation on your behalf as well.