Author Archives: Terry Lawson

Identity Theft Victims Have A New Tool From FTC

Consumers who face identity theft often have no idea how to begin fixing the problem. The FTC has made this process much easier to understand with the creation of a new website that victims can use to create a recovery plan: IdentityTheft.gov.  In the past, many creditors would require a police report first, but now many…

Student Loans are overwhelming America. Is Betsy DeVos Ready?

I have been practicing student loan law for several years now. Just when I think student loans aren’t going to get worse, more depressing news appears. Recently, there have been a flurry of articles pointing out growing disasters in the student loan landscape. From the business-friendly Wall Street Journal  to the public voice of NPR, outlets across…

Do you have the right (or wrong) tax preparer?

Recently, the government agencies at the federal and state levels have moved to shut down dozens of franchise locations of Liberty Tax Service in multiple states. These include franchises in at least four states in 2015 and 2016: Illinois, Michigan, Maryland, and South Carolina. According to Forbes Magazine, Liberty Tax Service has about 4000 locations throughout…

New REPAYE program helps millions more student loan borrowers

In December 2015, the Department of Education announced that a new student loan repayment program became available to borrowers who qualify.  Known as Revised Pay as You Earn, or REPAYE, this program aims to help borrowers manage their payments even when they have Direct Loans that are too old to be considered for PAYE (Pay…

I was sued on an old credit card debt. Should I bother to go to court? Answer: YES.

People call my office all the time asking questions on this topic.  The standard story goes like this: “I had a credit card a few years back.  I am not sure what I owed on it back then.  I hit some hard times and couldn’t pay it.  I think it was charged off, and I…