Federal consumer protection rules give you the right to revoke a company's permission to take automatic payments from your bank account. This guide walks Colorado borrowers through how to stop automatic debits, use stop payment orders, and dispute unauthorized withdrawals.
Before trading structured settlement payments for a lump sum, talk to someone who is not trying to buy them. Here are the organizations the Consumer Financial Protection Bureau points to: your own attorney, legal aid, nonprofit credit counselors, and state consumer protection offices.
Companies that buy structured settlement payments market fast cash, but the trade is permanent and can leave you with much less than your settlement is worth over time. Here is what the Consumer Financial Protection Bureau says every seller should understand first — the costs, the tax questions, the court approval process, and the alternatives worth exhausting before you sign.
A structured settlement pays out a personal injury settlement as regular periodic payments over time instead of one payment. Here is how structured settlements work, why companies offer cash-now lump sum deals for your future payments, and the questions the Consumer Financial Protection Bureau says to answer before you sign anything.
CHFA's foreclosure prevention grant funds pay for free housing counseling and homebuyer education — but they are not allowed to be used for making mortgage payments or curing a mortgage delinquency on a borrower's behalf. Here's what that means for Colorado homeowners, and where to turn if you're behind on the mortgage.
Before you shop for a home in Colorado, it helps to know exactly what lenders and housing agencies mean by financial health — and how to check yours. This guide breaks the term down into its five working parts and shows what to do with each one.
Colorado's CHFA FirstGeneration program has a clear answer for co-borrowers: only one person on the loan must meet the first-generation homebuyer definition, but every borrower must qualify as a first-time homebuyer. Here is how the rules work, how status is verified, and what to do next.
Wondering what proof you need to show you qualify as a first-generation homebuyer? For Colorado's CHFA FirstGeneration program, the answer is simpler than most people expect: a signed affidavit provided by your lender. Here's exactly how the definition works, who counts, and what happens after you sign.
Your mortgage servicer is the company that manages your home loan day to day — sending statements, processing payments, tracking principal and interest, and managing escrow. Here is how the servicer differs from the lender, how to find yours, and what to do when problems come up.
The company you send your monthly mortgage payments to is called your mortgage servicer. It may or may not be the same company as your mortgage lender, and it can change during the life of the loan. Here is how servicing works, what federal rules protect you during a servicing transfer, and what Colorado homeowners should watch for.