![Rotary telephone ringing.](/sites/default/files/styles/teaser_1_1_/public/2021-04/Collection%20agency%20rules.png?itok=GEZZqkcP)
Guide
When a consumer owes money to a company and is not paying or is unable to make the minimum payment, sometimes the company will turn the debt over to a collection agency. A collection agency is a business that arranges for the payment of outstanding account balances and money owed to a company.
Resources
So you say you want a credit card?
Resources
How do payday loans work?
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What are the rules for payday lenders?
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What does a payday loan cost?
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Can a payday lender do that?
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Collection Agency Rules
Resources
Build a Budget that Works
![Closeup of a woman selecting a credit card](/sites/default/files/styles/teaser_1_1_/public/2022-08/So%20you%20say%20you%20want%20a%20credit%20card.jpg?itok=qG3ENt_r)
Guide
Does it seem like all of your friends are living large and spending more? It’s common for people to feel the Fear of Missing Out (FOMO) -- when they think others may be experiencing better things or having more fun. Buying based on FOMO has increased with the rise of social media.
![Young man in front of laptop considering an online payday loan](/sites/default/files/styles/teaser_1_1_/public/2023-01/Considering%20an%20online%20payday%20loan.jpg?itok=GRwf3Rx1)
Guide
Our economy has experienced many ups and downs in the past two years due to the pandemic, inflation, increasing interest rates, and now a looming recession.
Rising prices may affect some New Brunswickers’ ability to meet day-to-day expenses, causing them to consider a loan from an online payday lender as a short-term fix to an immediate financial need.