Business

Hawkeye Associates vs. Hawkeye Adjustment Service

Published

2 years ago

May 21, 2021

Connor Jones

Contents

Are you being called by Hawkeye Associates or Hawkeye Adjustment Services ? Here’s what you need to know.

Hawkeye Associates

Company Profile: Hawkeye Adjustment Service

Hawkeye Adjustment Service is a debt collection agency located in Sioux City, Iowa. It was established in 1947, has a small staff of five employees, and is managed by its President, Thomas M. Smith. The agency appears to specialize in medical debt collection services. Litigation records archived at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Hawkeye Adjustment Service have asserted their rights by fighting back in court.

Your Rights Under the Fair Debt Collection Practices Act

If a collection agency is harassing you, they’re breaking the law and can be fined or even lose shut down. The Fair Debt Collection Practices Act, or FDCPA, regulates the actions of third-party collection agencies and prohibits collection methods like the following:

Using profane or obscene language
Threatening legal actions that they have no intention of taking
Publicly posting details of a debt on social media and other public outlets
Calling you at work after you’ve told them that your workplace doesn’t allow such calls
Telling your friends, neighbors, and co-workers that you owe money
Contacting you after you have sent a cease and desist letter

Alleged Violations against Hawkeye Associates Adjustment Service

According to PACER, sometime in mid-2004, a consumer received a demand letter from Hawkeye Adjustment Service for approximately $5,800 for the alleged medical bills. When she asked for debt verification, Hawkeye informed her that the matter had been turned over to their attorney, the Vakulskas Law Firm.

The consumer eventually determined that the agency was attempting to collect a debt from her ex-husband’s medical bills that he had incurred after the divorce. The remaining bills were medical bills for her children, most of which should have been covered by her health insurance policy.

Hawkeye Adjustment Services, by Vakulskas Law Firm, P.C. sued the consumer in South Dakota, although she had never lived there and the medical bills were not incurred in South Dakota. She also alleged that they sent collection letters to her place of employment. She told them that she could not receive personal mail at work, but the mail was sent anyway. She was concerned that the personal mail would have an adverse effect on her job.

Feeling harassed by Hawkeye Adjustment Service, she hired a consumer attorney and sued the company for the following alleged FDCPA violations:

Using unfair and unconscionable means to collect a debt
Threatening actions that could not legally be taken
Sending the collection letters to her workplace
Filing a civil case against her in the wrong venue

The matter was later dismissed.

When you owe money to one of their clients, there isn’t much that a debt collector won’t do to make you pay. They will call you day and night and threaten to drag you into court or destroy your credit if you don’t give in to their demands. When this happens, it is important to stand firm and know your rights.

Closing off your credit card can be more complicated than it may seem. You may want to do it to consolidate your debt, streamline your finances and stick to a budget or avoid unwanted annual credit card fees. They can be an annoyance at times, and closing off a credit card may be the only solution you see at that moment. Whatever the reason may be, you don’t want to jump into it straight away. You want to make sure your credit score does not get impacted in any negative way, and your financial management outlook is appropriate.

But, first, let’s consider why your credit score may drop. It is because your available credit will experience a downfall, and your utilization rate may increase. Your utilization ratio is essentially the amount of credit you owe in comparison to the amount of credit you have available.

Thus, the credit utilization ratio is a crucial factor in determining your credit score, so you better keep a close eye on it going forward. The lower the utilization score, the better depiction of your financial health is highlighted. This is exactly what you want to achieve.

So, if you’re thinking of closing off your credit card, here are a few tips you should consider before doing so. You’ll be glad you took the right precautions needed to prevent your credit score from dropping.

Close Off the Most Recent On if You Have To

Closing off an older credit card will hit your credit score hard. It will pull down any other positive indicators which may be beneficial for you in the future, especially when you seek to acquire a loan of a large amount.

Also, make sure you pay off any outstanding credit before closing off a card. By doing so, your credit history will depict a positive trend, and this is the financial self-care approach you want to move towards.

Close Off Your Credit Card Under These Circumstances

There are several other factors to consider while closing off a credit card. Here is an insight into when you should close off a card.

You have a habit of overspending – your habit of impulsive shopping may cause a pile of credit to accumulate; thus, closing off a credit card would be a wise decision here
You have all your outstanding bills and credit paid off
You don’t use that particular credit card anymore – it’s better to close it off than have it lying around

Closing a card off here may help you stay organized and save a lot of money for a rainy day ahead. It will also help you in re-examining your debt payments and focus on repaying them off without any distractions.

Avoid Closing It Off Under These Circumstances

If you can’t find a good enough reason to close off your credit card, then you might want to let it stay open. Having available credit on hand is okay sometimes; just try to avoid carrying it around with you if you have a habit of buying items that you do not have a need for. But, before doing so, read up on the terms and conditions of your bank regarding credit card policies. Some credit cards are automatically closed off if they stay inactive for a certain period of time.

If you’re at risk of account closure, call up your bank representative for further information and guidance. You can even use that particular credit card for small payments to keep it active. For instance, Netflix monthly payments are a good option to use that particular credit card for.

Make Sure You Are Proactive with Payments

Try to pay off your bills before their due date. This is usually three weeks before it’s due. Why is this so? Well, it’s because credit card issuers report balances at the end of the statement period, which is usually three weeks before the bill’s due date. Thus, paying beforehand will not only improve your credit score but also bring down your credit utilization ratio.

Inquire About Product Changes

Ask your credit card issuer about any possible product changes. Some allow the client to retain the same account and credit limit but avail a product change to a different type of credit card. This is usually better suited if you want to avoid annual credit card fees or upgrade to a card that has a higher cashback rate than a basic rewards card.

Here’s the Bottom Line

Carefully planning out decisions regarding your financial discourse is an important component of practicing efficient money management. You don’t want to go wrong with this as it plays an important part in how you sustain your financial needs and wants. Your financial health reflects on who you are as a person – remember this always!

If you still have any further concerns and queries, you can call up your bank representative and set up a meeting. They will guide you further on what to do and how to make the decision without hurting your credit score. Their advice is important here, so make sure to take it. Also, share this article with your friends or family members who may be thinking of closing off a credit card; they will surely thank you for it!

PLEASE NOTE:

Hawkeye Adjustment Services is not affiliated with Hawkeye Associates, a leader in procuring debt consolidation loans for consumers with excessive credit card debt.

Business

Patriot Funding Review: Get Financial Freedom with a Low-Interest Personal Loan for Debt Consolidation

Published

6 months ago

April 13, 2023

Connor Jones

Contents

Debt consolidation is a popular financial strategy that allows individuals to combine multiple debts into a single loan with a lower interest rate. This can help reduce monthly payments, simplify finances, and ultimately lead to financial freedom. Patriot Funding is a reputable company that provides low-interest personal loans for debt consolidation. In this article, we will explore the benefits of debt consolidation, provide an overview of Patriot Funding, and discuss its loan options, application process, repayment options, customer support, and how it compares to other loan providers.

Understanding Debt Consolidation

Debt consolidation is the process of combining multiple debts into one loan with a lower interest rate. This can be done through a personal loan, balance transfer credit card, or home equity loan. Debt consolidation can help simplify finances by reducing the number of payments and due dates, and can also save money by reducing interest rates and fees. Some types of debts that can be consolidated include credit card debt, medical bills, personal loans, payday loans, and more.

The benefits of debt consolidation include lower interest rates, simplified finances, and potentially lower monthly payments. By consolidating debts, individuals can also improve their credit score by reducing their credit utilization ratio and making consistent payments.

Patriot Funding: Company Overview

Patriot Funding is a financial services company that specializes in personal loans for debt consolidation. Founded in 2018, Patriot Funding has quickly gained a reputation for its low-interest rates, easy application process, and excellent customer support. Patriot Funding offers loan amounts ranging from $1,000 to $35,000 with repayment terms of 24 to 60 months.

Patriot Funding is a member of the Online Lenders Alliance and is accredited by the Better Business Bureau with an A+ rating. Customers praise Patriot Funding for its transparency, fast approval process, and helpful customer support.

Low-Interest Personal Loans for Debt Consolidation

Patriot Funding offers low-interest personal loans for debt consolidation. Personal loans are unsecured loans that do not require collateral and can be used for a variety of purposes, including debt consolidation. Personal loans typically have lower interest rates than credit cards and other types of debt, making them an attractive option for debt consolidation.

The advantages of low-interest rates include lower monthly payments, reduced interest charges over time, and potentially faster debt repayment. By consolidating debts with a low-interest personal loan, individuals can save money and simplify their finances.

Patriot Funding offers competitive interest rates starting at 5.99% for qualified borrowers. Loan amounts range from $1,000 to $35,000 with repayment terms of 24 to 60 months. The application process is fast and easy, and funds can be deposited into a bank account as soon as the next business day.

Patriot Funding Application and Approval Process

The Patriot Funding application process is simple and straightforward. The first step is to complete an online application, which takes only a few minutes. Applicants will need to provide basic personal and financial information, including their name, address, income, and credit score.

Once the application is submitted, Patriot Funding will review the information and determine if the applicant is eligible for a loan. Eligibility requirements include a minimum credit score of 600, a minimum income of $25,000 per year, and a debt-to-income ratio of less than 40%.

If the applicant is approved for a loan, they will receive a loan offer with details on the loan amount, interest rate, and repayment terms. If the offer is accepted, the funds will be deposited into the applicant’s bank account as soon as the next business day.

Patriot Funding Loan Repayment Options

Patriot Funding offers flexible repayment options to make it easy for borrowers to manage their debt. Repayment options include automatic payments, online payments, and phone payments. Borrowers can choose the repayment option that works best for them.

Patriot Funding also offers a range of repayment plans, including fixed monthly payments and bi-weekly payments. Fixed monthly payments allow borrowers to make consistent payments each month, while bi-weekly payments can help borrowers pay off their loan faster and reduce interest charges over time.

One unique feature of Patriot Funding is its Skip-a-Pay program, which allows borrowers to skip a payment once a year without penalty. This can be helpful in the event of an unexpected expense or financial hardship.

Patriot Funding Customer Support

Patriot Funding is known for its excellent customer support. The company has a dedicated team of customer service representatives who are available to answer questions and provide assistance. Customer support is available by phone, email, and live chat.

Customers praise Patriot Funding for its friendly and helpful customer support, as well as its transparency and honesty. The company is committed to providing a positive customer experience and has received high ratings and positive reviews from customers.

Comparing Patriot Funding to Other Loan Providers

When comparing Patriot Funding to other loan providers, there are several factors to consider. These include interest rates, loan amounts, repayment terms, eligibility requirements, and customer support.

Patriot Funding offers competitive interest rates starting at 5.99%, which is lower than many other loan providers. The company also offers loan amounts up to $35,000 with repayment terms of 24 to 60 months. Eligibility requirements include a minimum credit score of 600, a minimum income of $25,000 per year, and a debt-to-income ratio of less than 40%.

In terms of customer support, Patriot Funding is known for its excellent service and has received high ratings and positive reviews from customers. The company is transparent and honest and is committed to providing a positive customer experience.

Conclusion

Patriot Funding offers low-interest personal loans for debt consolidation that can help individuals achieve financial freedom. The company has a reputation for excellent customer service, competitive interest rates, and flexible repayment options. By consolidating debts with Patriot Funding, individuals can simplify their finances, reduce interest charges, and potentially lower their monthly payments. If you are considering debt consolidation, Patriot Funding is a company worth considering.

News

Stuart Bienenstock Lists The 25 Best Suburbs in America

Published

2 years ago

November 19, 2021

Connor Jones

Contents

Stuart Bienenstock Playground Talks Suburban Living

Suburban living continues to dominate political debate. At the recent Republican National Convention, some speakers suggested that the Democrats and Joe Biden want to get rid of suburbia completely, which is not entirely true.

Back in late September during the first presidential debate, Donald Trump claimed that Biden assuming power would mean “our suburbs would be gone” creating “problems as you’ve never seen before.”

Biden countered this statement by suggesting that Trump “wouldn’t know a suburb if he took a wrong turn.“

As the pandemic continues to unfold, many are considering a move from the metropolis to the less densely populated areas.” said Stuart Bienenstock.

Can you benefit from using CBD for Sleep?

If you’re thinking about making a movie like this, the following breakdown of suburbs is based on research from Niche, the school and neighborhood guide. The following suburbs are ranked according to the cost of living, local schools, crime levels, median household income and use a mixture of resident surveys and data from the US census bureau. All the comments about the suburbs below are taken from the resident surveys.

Stuart Bienenstock Scholarship — Credit: Tokar

Here are the best suburbs to move to according to Stuart Bienenstock:

1. Chesterbrook, Pennsylvania

Population: 4714
Closest City: Philadelphia, Pennsylvania
Median Home Value: $312,800
Median Household Income: $119,010
Demographics: White (64%), Asian (25%), Black (6%), Hispanic (1%)

Residents consider this suburb is close to a range of convenient family venues like state parks, restaurants, and supermarkets. The suburb also falls in a strong school district.

2. Holly Hills, Colorado

Population: 2909
Closest City: Denver, Colorado
Median Home Value: $426,500
Median Household Income: $136,176
Demographics: White (88%), Asian (3%), Black (2%), Hispanic (3%)

This suburb boasts easy access to downtown and light rail. It falls in the excellent Cherry Creek school district.

3. Penn Wynne, Pennsylvania

Population: 5758
Closest City: Philadelphia, Pennsylvania
Median Home Value: $366,200
Median Household Income: $131,161
Demographics: White (73%), Asian (12%), Black (7%), Hispanic (5%)

While some parts of Penn Wynne have busy roads, others areas are relatively quiet.

4. Carmel, Indiana

Population: 90,163
Closest City: Indianapolis, Indiana
Median Home Value: $330,600
Median Household Income: $116,867
Demographics: White (81%), Asian (10%), Black (3%), Hispanic (4%)

Carmel, Indiana boats first-rate schools along with many parks and trails. The town is packed with restaurants and many small businesses.

5. Brookline, Massachusetts

Population: 59,234
Closest City: Boston, Massachusetts
Median Home Value: $885,700
Median Household Income: $113,515
Demographics: White (70%), Asian (16%), Black (3%), Hispanic (8%)

Brookline is safe and family-friendly, but also quite expensive.

6. Okemos, Michigan

Population: 23,912
Closest City: Lansing, Michigan
Median Home Value: $231,100
Median Household Income: $78,080
Demographics: White (66%), Asian (20%), Black (7%), Hispanic (3%)

Close to Michigan State University, you get a small town feel with friendly people and outstanding schools.

7. Los Alamos, New Mexico

Population: 12,373
Closest City: Santa Fe, New Mexico
Median Home Value: $295,600
Median Household Income: $106,288
Demographics: White (70%), Asian (7%), Black (0%), Hispanic (18%)

A great suburb to grow up in, there’s not so much to do for teens and twenty-somethings. Access to the mountains is a huge plus.

8. Ardmore, Pennsylvania

Population: 13,083
Closest City: Philadelphia, Pennsylvania
Median Home Value: $328,800
Median Household Income: $89,923
Demographics: White (75%), Asian (5%), Black (11%), Hispanic (6%)

Ardmore has friendly residents and lots of walkable neighborhoods.

9. Clarendon Hills, Illinois

Population: 8,711
Closest City: Chicago, Illinois
Median Home Value: $561,700
Median Household Income: $126,500
Demographics: White (81%), Asian (7%), Black (0%), Hispanic (10%)

This small town has great schools and attractive downtown. Downtown Chicago is also easily accessible by train and highway.

10. Richmond Heights, Missouri

Population: 8,457
Closest City: St Louis, Missouri
Median Home Value: $247,500
Median Household Income: $78,481
Demographics: White (76%), Asian (7%), Black (12%), Hispanic (3%)

Richmond Heights is a safe area with plenty of options for walking.

11. Morrisville, North Carolina

Population: 25,007
Closest City: Raleigh, North Carolina
Median Home Value: $317,700
Median Household Income: $96,489
Demographics: White (40%), Asian (38%), Black (12%), Hispanic (5%)

Although a small town, Morrisville has lots of shops, banks, restaurants, and grocery stores.

12. Stone Ridge, Virginia

Population: 12,990
Closest City: Washington, DC
Median Home Value: $454,900
Median Household Income: $143,140
Demographics: White (42%), Asian (28%), Black (11%), Hispanic (9%)

Stone Ridge is a diverse area, although it’s expensive and there’s a lot of traffic.

13. Swarthmore, Pennsylvania

Population: 6304
Closest City: Philadelphia, Pennsylvania
Median Home Value: $410,100
Median Household Income: $109, 648
Demographics: White (80%), Asian (5%), Black (6%), Hispanic (3%)

This is an eco-conscious town with a liberal population close to Swarthmore College.

14. Clayton, Missouri

Population: 16,448
Closest City: St Louis, Missouri
Median Home Value: $630,400
Median Household Income: $97,145
Demographics: White (75%), Asian (13%), Black (7%), Hispanic (3%)

This small and vibrant town has lots of great schools.

15. Berwyn, Pennsylvania

Population: 3268
Closest City: Philadelphia, Pennsylvania
Median Home Value: $478,300
Median Household Income: $108,000
Demographics: White (83%), Asian (9%), Black (2%), Hispanic (0%)

This town has some great public schools, but it’s not the most diverse place to live.

16. South Kensington, Maryland

Population: 8769
Closest City: Washington, DC
Median Home Value: $736,300
Median Household Income: $181,941
Demographics: White (80%), Asian (4%), Black (3%), Hispanic (9%)

This town is not reviewed on Niche.

17. Cary, North Carolina

Population: 163,266
Closest City: Raleigh, North Carolina
Median Home Value: $337,700
Median Household Income: $101,079
Demographics: White (63%), Asian (18%), Black (8%), Hispanic (8%)

Cary is safe with clean streets but not too much by the way of culture.

18. Cinco Ranch, Texas

Population: 16,977
Closest City: Houston, Texas
Median Home Value: $362,100
Median Household Income: $139,420
Demographics: White (62%), Asian (16%), Black (5%), Hispanic (16%)

Cinco Ranch has plenty of good schools and lots of family-oriented activities.

19. Coppell, Texas

Population: 41,512
Closest City: Dallas, Texas
Median Home Value: $368,800
Median Household Income: $123,802
Demographics: White (56%), Asian (24%), Black (5%), Hispanic (12%)

This clean and quiet neighborhood has everything you need within a ten-minute drive.

20. North Potomac, Maryland

Population: 24,148
Closest City: Washington, DC
Median Home Value: $663,300
Median Household Income: $159,232
Demographics: White (48%), Asian (36%), Black (7%), Hispanic (6%)

Schools in this area are strong but competitive. You can also find plenty of good restaurants and shopping malls.

21. Madeira, Ohio

Population: 9091
Closest City: Cincinnati, Ohio
Median Home Value: $281,100
Median Household Income: $112,513
Demographics: White (91%), Asian (3%), Black (1%), Hispanic (3%)

Madeira is a small town with plenty of activities for all the family.

22. North Bethesda, Maryland

Population: 50,263
Closest City: Washington, DC
Median Home Value: $562,400
Median Household Income: $105,130
Demographics: White (56%), Asian (15%), Black (9%), Hispanic (15%)

With easy access to stores and schools, there are also a range of restaurants.

23. Arlington, Virginia

Population: 231,803
Closest City: Washington, DC
Median Home Value: $669,400
Median Household Income: $117,374
Demographics: White (62%), Asian (10%), Black (9%), Hispanic (16%)

A clean and forward-thinking town, businesses and individuals strive to produce less waste. Real estate prices are sky-high.

24. Sugar Land, Texas

Population: 118,182
Closest City: Houston, Texas
Median Home Value: $309,000
Median Household Income: $122,233
Demographics: White (44%), Asian (36%), Black (6%), Hispanic (11%)

This small town makes a nice break from the chaos of Houston.

25. Short Pump, Virginia

Population: 27,526
Closest City: Richmond Virginia
Median Home Value: $403,100
Median Household Income: $109,384
Demographics: White (64%), Asian (24%), Black (7%), Hispanic (3%)

This upscale area boasts many first-class public schools although it’s lacking in terms of public transportation.