Attorney Richard Gaudreau

Category: Debt Management

What’s in your wallet may not be as good as you think.

Credit cards offering rewards miles and other incentives may seem like a good deal, but let's look at the fine print to learn more.   [caption id="attachment_140" align="alignleft" width="239" caption="Now is a great time to review the 'rewards' cards in your wallet"][/caption] With the recent CARD Act going into effect on February 21, 2010, consumers are...

In Over Your Head?

[caption id="attachment_118" align="alignleft" width="300" caption="Past Due Notices and Collector Calls Can Push Debtors into a Rash Decision"][/caption] If the phone never stops ringing and bill collectors are harassing you morning, noon and night, you're not alone.  With millions of Americans facing financial peril due to job loss, medical bills, or other financial hardships, it's no...

Think Before You Spend This Holiday

[caption id="attachment_76" align="alignleft" width="300" caption="Even Santa might be tempted to max his credit this holiday. (Photo Courtesy: Getty Images)"][/caption] Reports from last week’s Black Friday holiday shopping tell the tale of shoppers who are using their credit cards a bit less than last year.  According to a National Retail Federation survey of 8,692 consumers reported...

Overspending Made Easy

[caption id="attachment_58" align="alignleft" width="291" caption="Those ATM machines could be costing you a pretty penny."][/caption] Since the banking ‘meltdown,’ one area of increased concern for consumer advocates is whether the fees charged by the banking industry for overdrafts on bank accounts are unfair and deceptive.  Often times consumers believe that they are acting in their best...