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Julian Hayes

Writes mostly about consumer protection & financial literacy.

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Articles by Julian Hayes

Consumer Protection & Financial Literacy
Limits on Debt Collector Calls and Threats Under the FDCPA
The Fair Debt Collection Practices Act limits false threats, harassment and odd-hour calls. Here is what the CFPB says is off limits, and how to keep a record.
Julian HayesJul 2, 2026
Consumer Protection & Financial Literacy
Can a Debt Collector Contact Your Employer or Family?
Federal rules let collectors ask others how to reach you, but they generally cannot discuss your debt. Here is who can be contacted, who can be told, and where the sources stop.
Julian HayesJun 25, 2026
Consumer Protection & Financial Literacy
Paying a Small Amount on an Old Debt Can Restart the Clock
In some states, a small payment or written acknowledgment on a time-barred debt may restart the lawsuit deadline, so the age of the account and your state's rule come first.
Julian HayesJun 18, 2026
Consumer Protection & Financial Literacy
How Your Loan Payment Gets Applied, and What to Do When It Doesn't Add Up
A payment leaves your checking account, passes through a servicer, and is split according to your loan contract, so knowing that path helps you verify it and raise errors early.
Julian HayesJun 10, 2026

Julian Hayes | Forward Credit