Archive for 'Blog'

How to Deal with Debt Collectors

There are federal laws that lay out how and when a debt collector may contact you.  These times are not before 8 a.m., after 9 p.m., or while you’re at work if they know that your employer doesn’t approve of the calls. Collectors may not harass you or lie to you.  They cannot use unfair practices when they try to collect a debt. They must honor requests in writing from you to stop further calls.

Federal Trade Commission

The Federal Trade Commission ...

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Tamko Roofing Shingles Warranty Claims

Some homeowners are alleging that their roofs are failing within ten years from the date of installation of some Tamko Roofing shingles.  Some consumers allege that their warranty claims to TAMKO have been denied.

If you have been denied warranty claims for your Tamko roofing product, please contact Machi & Associates right away.  We handle cases involving breach of warranty claims for building and construction materials.

Persons seeking to preserve any potential legal claims should contact an attorney promptly, since all ...

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Credit Counseling

There many reputable credit counseling organizations.  They can advise you on how to manage your money as well as debts.  They typically offer free educational material and workshops.  They have counselors that are trained in budgeting, money management, and consumer credit.

Most trustworthy counselors work with non-profit s and offer counseling through local offices, on the phone, or even online.  Many of the most reputable organizations are with universities, military groups, credit unions, and housing authorities.

Watch for “non-profit” groups that charge ...

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Good Bye Unemployment Benefits

More than 200,000 Americans will lose their unemployment checks this week.

Of these folks, nearly half live in California.  The other states affected are Texas, Florida, Colorado, Connecticut, Pennsylvania, Florida, and Illinois.

The federal program provided an addition 20 weeks of benefits after the state benefits had ended.  More on this story at

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Bankrupt Hostess Warns Workers of Layoffs

Hostess Brands based in Irving, has given notice to several states, including Texas, that lay offs may be coming if the Chapter 11 restructuring is not successful.

Hostess is not looking to implement layoffs unless negotiations with unions do not result in consensual agreement.  Additional information available at the Star Telegram.

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Gas Prices: Down and Headed Lower

U.S. drivers are getting some relief at the pump in time for the beginning of summer.

Typically May is the time of year gas prices hit their high mark.  This year the average price for a gallon of unleaded has already been declining for the past month.   The biggest decrease in price occurred this past week with prices down 6 cents.

New technology has increased production and that is helping drive the price down.  The West Coast prices have not yet fallen ...

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How to Protect Yourself From Criminal Debt Collectors

This year Americans are increasing the amount of debt they have.  This is mostly due to the poor economy.  Criminals are using illegal tactics, and aggressively trying to pursued you to pay off you debt.  Some balances include debts you may not owe.

Collection calls are going out to almost 15 percent of Americans.  Many times this includes the retired and elderly citizens on fixed incomes.  According to the Federal Reserve that is twice the number 12 years ago.

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10 Frugal Living Tips To Happiness On A Tight Budget

Whether you’re dealing with a mountain of debt or trying to save money for your retirement, there are numerous reasons to change your spending habits. Frugal living is typically viewed in a negative light, where the word “sacrifice” becomes synonymous with “suffering.” However, this does not have to be the case. Here are 10 frugal living tips to achieve happiness on a tight budget.

1.  Keep track of your spending.

2.  Change your spending habits.

3.  Monitor your money.

4.  Carry a ...

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49% of Americans Saving Zero for Retirement

An April survey shows that nearly half of consumers cannot afford to contribute to an IRA. The age range from 18 to 34 are the ones least likely to be saving. Of this age group 56% do not contribute to an IRA or 401(k).
LIMRA, a trade association for the financial services industry conducted the survey. They found the statistics disturbing considering that consumers are currently using personal savings to make ends meet. Retirement may last 20 or more years.
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Dangerous Dogs

Dog BitesWe handle a great number of cases involving Dangerous Dog Bites and Attacks.  If you or a loved one has been attacked by a dog, give us a call.

Here are some useful Dangerous Dog links.

City of Arlington Info on Dangerous Dogs
List of Dangerous Dogs in Arlington
Fort Worth Info on Dangerous Dogs

Dog Bites at

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Wells Fargo Gives $50,000 for Tornado Relief

Wells Fargo will give $50,00 to the Red Cross/North Texas Tornado Relief.  If customers would like to donate, 100% of the donation will go to the cause.

The bank also would like any customers or businesses affected by the tornados contact their nearest Wells Fargo branch to discuss options.

Read more at the Star Telegram.

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