Consumers 

As consumers and business owners, we recognize that good financial decisions are not easy. There are generally multiple factors to consider and various challenges along the way. Life has ups and downs of all shapes and sizes, and personal finances nearly always feel the impact. We hope these resources will assist with making sound financial decisions, overcoming obstacles on your journey, and reaching your financial goals.

Make informed financial decisions and defend against fraud

This resource provided by the Receivables Management Association International (RMAI) provides information and tools to help consumers make informed financial decisions, take control of their finances, defend against fraud and deception, and more. The calculators section includes valuable tools for estimating retirement, planning debt payoff, building savings, and budgeting. There are also steps for managing finances amidst economic inflation.

Credit Bureau Resources for Consumers

Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company (Equifax, Experian, TransUnion). Reviewing your credit reports helps to ensure that the information available about your credit history is correct and up to date. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports can also help you catch signs of identity theft early.

Credit Abuse Resistance Education (CARE)

CARE is a national non-profit composed of professionals in bankruptcy, financial services, and business that volunteer their time to educate young adults and others about the benefits of personal financial management and the consequences of credit abuse. Borrowing from their professional experiences, they tell true stories about financial distress and the impact it can have on one’s life. Their free financial education podcast series, “Voices of CARE,” provides helpful tips on a variety of topics related to personal finance management.

Understand your rights and plan your financial future

This resource provided by ACA International offers helpful information about the debt collection process and personal finance. Learn more about understanding your rights in relation to debt collection, navigating your debts, and planning for your financial future.

Need help finding a job?

The first step to a better life is finding a better job. The second step is finding a career in which you can truly be passionate about. At Velo Law we understand that most people want to pay their outstanding debts, but simply cannot. We hope that supporting you in your job search can ultimately help us all. Consequently, Velo Law offers free resume proofreading/reviews to those consumers who ask.