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Debt Collector Harassing You With Repeated Calls? Your Rights

November 3, 2026
Timothy Chase
Mortgage Basics

Repeated or continuous phone calls made to harass, oppress, or abuse you are prohibited under the Fair Debt Collection Practices Act. Here is what the Consumer Financial Protection Bureau says you can do: verify the debt, dispute it if it is wrong, get any agreement in writing, and file a complaint with the CFPB.

What Information Employers Use Beyond Background Checks

October 29, 2026
Timothy Chase
Mortgage Basics

Traditional background checks are only part of the picture. Many employers now use credit checks, public records, employment history data, and specialty consumer reports when making hiring decisions — and the rules say you have rights at every step. Here is what Colorado job seekers should know before the background screening process starts.