Connect with us

News

How a couple Arthur Depina and Ana Fernandes Overcame As An Immigrant & Helped their Community Understand & Leverage The Power Of Credit.

Published

on

Arthur Depina and Ana Fernandes

Arthur Depina and Ana Fernandes

Depina Credit Solution

Brockton, USA, Nov. 07, 2020 (GLOBE NEWSWIRE) — Credit Coaching Duo Arthur Depina and Ana Fernandes are on a mission to help people belonging to minority communities become financially sound and free.

Oftentimes, hailing from a marginalized community means your people, your culture, and the struggle of your culture are not very well advocated for and represented at administrative levels. It in turn boils down to inequitable opportunities for those marginalized communities, which further represses their trajectory forwards success and wealth. Arthur Depina and Ana Fernandes are helping make that dream a reality for minorities through their company Depina Credit Solutions (DCS).

About Arthur Depina & Ana Fernandes:

Arthur Depina grew up in the clutches of poverty, always struggling to make ends meet, and where he comes from, the only possible way to make it out of the system, earn a decent living, and lead a decent lifestyle is considered to be immigration to a first world country.

In the early 1990’s, at the age of 10, Arthur and his siblings made the move to the USA with only a few hundred dollars in their pocket But despite the culture shock and financial crunch, he had with him an iron will and a head full of dreams to chase and accomplish his American dream.

Upon reaching the United States, Arthur Depina was immediately enrolled in the schooling system in the US. As he recollects, it had been beyond difficult. But that didn’t stop him from going. Arthur would always remind himself of what he wanted to achieve, and so he moved forward.

After graduating from high school with high honors, Arthur joined Andrews University with dual Bachelor’s degrees in Business Management, & in International languages and also graduated from there with an incredible academic record.

He spent the next period of his life working for some top Fortune 500 companies. But he was quick to realize that it is not where his passion lies. He wanted to do something independent with his degree and experience.

Eventually Arthur Depina along with his wife Ana Fernandes opened their credit repair business in the community in order to help and serve their community or immigrant community in general traverse through the trenches of understanding the “SECRET WORLD OF CREDIT” and leverage the power of credit to responsibly get credit cards, finance a car, buying their first home, investment properties, maintain good credit, etc.

With the desire and passion still alive in his heart of impacting other people’s lives and helping others make better of themselves every day, and developing them as leaders, Arthur Depina and Ana Fernandes continue their journey with Depina Credit Solutions. Both of them coming from immigrant families who are originally from Cape Verde Islands on West Coast of Africa, have now been involved in this industry for over 10 years and still continue to shape the Credit World through their excellent works in helping their community in Metropolitan of Boston navigate through this “secret world of credit”.

About Depina Credit Solutions:
Depina Credit Solutions is a national credit counseling and coaching company located in Brockton, Massachusetts. It works with clients and creditors to improve credit profiles. Their credit experts communicate with credit bureaus by challenging questionable, inaccurate, outdated, misleading, or unverifiable data on consumer credit reports. Depina Credit Solutions investigate any mistakes which may be lurking in its client’s credit report to have it resolved and repaired, allowing them the financial freedom and advantages a good credit score accompanies.

At DCS, they work on:

  1. Credit Analysis

DCS will perform a professional review of the client’s Equifax, Experian, and TransUnion credit reports. This includes a detailed investigation for any incomplete, out-of-date, or potentially incorrect information that can be disputed.
Their credit expert will also create a custom, comprehensive plan to improve the client’s credit. This plan will reflect the strengths and weaknesses of the client credit profile, as well as incorporate their financial goals.

  1. Credit Repair

At DCS they understand that improving credit quickly is likely a serious concern for a client, especially if they are waiting to close on their dream home.  But DCS provides clients with results in as little as 30-45 days. They do everything we can to correct as many errors as possible, as fast as possible. They will craft customized disputes for all the negative items on credit reports and send them on client’s behalf to the credit bureaus at no charge.

  1. Building Credit

Having positive is just as important as removing derogatory accounts. Depina Credit Solutions helps clients get approved for positive credit that will help them rebuild their credit profile so they can accomplish their financial dreams.
To learn more about Depina Credit Solutions and Arthur Depina and Ana Fernandes, you can visit their website.

Media Contact Details:
Company Name: Depina Credit Solutions
Company Email: [email protected]
Company website:https://www.depinacreditsolutions.com/

Source link

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

News

These Are Top Consumer Complaints, NY AG Says

Published

on

Attorney General Letitia James highlighted some of the top scams New Yorkers are facing to kick off National Consumer Protection Week.

Citing the COVID-19 pandemic, James said that Internet-related and price gouging scams were the greatest threat to consumers, with thousands of complaints levied to her office during 2020.

The top 10 consumer complaints in 2020, according to James’ office:

  • Internet-Related (internet services and service providers, data privacy and security, digital media, data breaches, frauds through internet manipulation): 9,832 complaints;
  • COVID-19 Price Gouging (online and brick and mortar gouging of prices for items such as hand sanitizer, masks, gloves, bathroom tissue, food): 7,701 complaints;
  • Landlord/Tenant Disputes (security deposit releases, tenant-harassment): 2,752 complaints;
  • Health Clubs (continuous charging of fees while clubs were closed, inability to cancel memberships, refunds not provided, no response from clubs): 2,621 complaints;
  • Automobile (sales, service, financing, repairs): 2,561 complaints;
  • Consumer Services (security systems, tech repairs, immigration services, employment training): 2,512 complaints;
  • Retail Sales (any sale of goods: food, clothing, rent-to-own, online orders): 1,609 complaints;
  • Credit (debt collection, credit card billing, debt settlement and debt relief, payday loans, credit repair, credit reporting agencies, identity theft): 1,436 complaints;
  • Utilities (wireless and residential phones, energy servicers and suppliers, cable and satellite): 1,378 complaints;
  • Travel (inability to cancel or lack of refunds for cancellations required by COVID-19 travel restrictions): 1,251 complaints.

James also cautioned about new COVID-19 vaccine scams, fake vaccine cards, and purported cures to the vaccine, which are phony. Puppy scams have also been on the rise in the past 12 months, according to the Attorney General. 

“The havoc unleashed by the COVID-19 pandemic, in addition to the numerous other ways consumers were defrauded in 2020, sadly resulted in my office receiving a record number of consumer fraud complaints in 2020,” James said. “Consumers who have helped identify and report issues to our office have been invaluable partners in our efforts to stop deceptive scams and will continue to be vital partners going forward. 

“I urge all New Yorkers to follow these tips to minimize the risk of falling victim to fraud, but, when fraud does occur, my office will continue to fight to protect New York consumers.”

to sign up for Daily Voice’s free daily emails and news alerts.

(function(d, s, id){ var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) {return;} js = d.createElement(s); js.id = id; js.src = "http://connect.facebook.net/en_US/sdk.js"; fjs.parentNode.insertBefore(js, fjs); }(document, 'script', 'facebook-jssdk'));

Source link

Continue Reading

News

Michigan’s Top Ten List of Consumer Complaints for 2020

Published

on

From the Office of Michigan’s Attorney General

To celebrate the importance of National Consumer Protection Week and to help people make informed decisions about how to safely spend their money, Michigan Attorney General Dana Nessel today announced Michigan‘s Top 10 Consumer Complaints for 2020. Last year, the Michigan Department of Attorney General received and processed nearly 24,000 consumer complaints.

“Each year, my office tracks consumer complaints to ensure that we’re keeping Michiganders informed on crucial details to protect their wallets,” said Nessel. “A common thread every year is the framework bad actors continue to use, which always includes: a sense of urgency, untraceable payment methods, and an offer too good to be true. The Department of Attorney General is committed to being your connection to consumer protection and I encourage everyone to take advantage of the wealth of resources we have to offer during National Consumer Protection Week and beyond.”

The object of any scam is to steal money or obtain personal information by convincing a victim of the need to part with it. Scammers prey on anyone and use clever tactics to convince their victims to hand over money or personal information through deceit, coercion, intimidation, fear and empty promises. These tactics coupled with a sense of urgency put pressure on the victim to make an immediate decision.

More information on scams can be found online at the Attorney General Consumer Alert page. The Federal Trade Commission (FTC) also has a listing of individual scams with great tips on prevention.

Michigan’s Top 10 Consumer Complaint Categories of 2020:

Nessel’s Top 10 list is compiled by analyzing all complaints filed with the Attorney General’s Consumer Protection Team. Thanks to the hard work of the Consumer Protection Team, the Attorney General’s office was able to recover $517,864.10 in consumer refunds, forgiven debt and other recoveries.

Robocalls (5,516 complaints). As a new category in the top 10, it includes illegal robocalls, telephone solicitations and telemarketing. With the launch of Michigan’s Robocall Crackdown Team in late 2019, Michigan is now recognized as a leader in combatting illegal robocalls. In 2020, Attorney General Nessel joined six other states in filing a major lawsuit against a pair of Texas businesses accused of blasting out billions of illegal robocalls. Rising Eagle Capital Group LLC and JSquared Telecom LLC are both believed to be responsible for more than 42 million illegal robocalls to Michigan residents over a five-month period in 2019 alone.

Price-gouging (4,522 complaints). This is the first time that price-gouging has made the top 10 list. Most consumers reported significant price increases on items such as face masks, gloves, toiletries, food and other items during the COVID-19 outbreak. In 2020, the Attorney General’s office took action against many businesses and individuals seeking to profit from consumer panic during the pandemic.

Retail (2,433 complaints). Retail complaints include purchases that involved late deliveries or products that were never delivered. Other complaints include the purchases of appliances, furniture and other items that were defective or did not work as advertised.

Telecommunications, Cable, and Satellite TV (1,880 complaints). This category includes complaints against wireless communications, cable and satellite TV services with most of the reports being billing and service issues. (NOTE: This category does not include robocalls, which has its own category.)

Internet (1,275 complaints). A significant number of these complaints involve online purchases, as well as computer communications and technology, and internet service providers.

Personal Service Providers (953 complaints). This category covers dating services, beauty companies, fitness facilities, spas, home security and tax preparation services.

Credit and Financial Concerns (880 complaints). This category covers a variety of areas including debt collection and reporting, credit repair, payday lending and mortgage brokering. In 2020, the department settled a lawsuit against tribal officials associated with an online tribal lender that resulted in the lender discontinuing its services to Michigan residents and collecting only outstanding principal amount on remaining active accounts.

Landlord/Tenant (786 complaints). This category involves disputes between renters and apartment owners or property management companies, mobile home parks and site operators, as well as condominium associations. Most complaints report on living conditions and contract disputes.

Motor Vehicle and Automobile (670 complaints). Complaints against used car dealers continue to top this category, followed by auto repair shops, new car dealers and passenger car rentals. This category involves issues from shoddy repair work to service issues.

Travel (547 complaints). This category includes complaints against travel agents, travel clubs, time-shares and time-share exit companies.

“In a year that was unprecedented in many ways, I want to thank our Consumer Protection Team for their resilience and dedication to ensuring that every complaint was addressed,” said Nessel.

Throughout National Consumer Protection Week and the entire month of March, consumers can follow along on the Department’s Facebook, Twitter and Instagram pages for daily consumer protection information.

Your connection to consumer protection is just a click or phone call away. Consumer complaints can be filed online at the Attorney General’s website, or by calling 877-765-8388.



Source link

Continue Reading

News

Division of Consumer Affairs Releases Top Ten 2020 Consumer Complaint Categories

Published

on

Tuesday, March 02, 2021 | 11:27am

Nashville- The Tennessee Attorney General’s Office Division of Consumer Affairs (DCA) announced the top ten complaint categories for 2020.

DCA received a total of 4,053 complaints in 2020 and recovered both services and funds for Tennessee by working with consumers and businesses. Overall, the number of consumer complaints decreased slightly in 2020 compared to 2019 when 4,250 complaints were reviewed by Consumer Affairs. The Division’s staff works to quickly route complaints so that appropriate action can be taken in cases where deceptive business practices, frauds or scams are identified.

2020 Top Ten Complaint Categories:

  1. Home Improvements, Home Repair, Home Warranties: 497 complaints
    Home warranties, as well as hiring a contractor for services to repair or improve the quality of your home. The most common complaints involve quality of work, incomplete work after receiving payment, and structural damage caused by employed individuals or businesses. Many of these complaints are referred to the Tennessee Board for Licensing Contractors.
  2. Price Gouging: 343 complaints
    Complaints alleging unreasonable price increases on essential items such as groceries and medical supplies. Price increases are generally considered by evaluating several factors including the pre-existing price agreements and increases in cost by suppliers.
  3. Personal/Professional Services: 329 complaints
    Services offered by professionals working in the State of Tennessee, including hair stylists, massage therapists, locksmiths, exterminators, photographers, surveyors, and others. Common complaints include the quality of service, charges for service not received, and problems redeeming gift certificates for services offered. Complaints in this category are sometimes referred to the TN Department of Commerce & Insurance’s Division of Regulatory Boards and the TN Board of Professional Responsibility.
  4. Landlord/Tenant: 289 complaints
    The most common complaints relate to security deposits and the conditions of the rental property. These complaints are commonly referred to city and county building codes enforcement and the State Fire Marshal’s Office.
  5. Internet Sales: 281 complaints
    Consumer dissatisfaction with items or services purchased online. Common complaints include issues with refunds and returns, or the product or service not being provided after payment. Often, the product or service was solicited via email or social media advertisements. The Division of Consumer Affairs works to mediate these complaints.
  6. Motor Vehicle- Used Sales & Advertising: 266 complaints
    Consumer dissatisfaction with the purchase of used vehicles. Disputes over the vehicle’s condition and deception regarding the sale, advertising, and titling are the most common complaints. Consumer Affairs works closely with the TN Motor Vehicle Commission in this category. In addition, these complaints may be referred to the National Highway Traffic Safety Administration (NHTSA) and the TN Department of Revenue.
  7. Heath Services & Products: 228 complaints
    Complaints include inaccurate billing and misquoting services. The Division may mediate complaints or refer appropriate complaints to the TN Department of Health.
  8. Debtor/Creditor: 225 complaints
    This category includes matters related to debt collection companies, payday loans, credit repair companies, and check-cashing services. Consumers report harassing phone calls or billing issues. These complaints are often referred to the TN Department of Financial Institutions and the TN Department of Commerce & Insurance’s Regulatory Boards Division.
  9. Timeshare/Vacation Clubs: 223 complaints
    Complaints related to the purchase of property under a timesharing agreement and the sale of these agreements. The most common complaints report high-pressure sales tactics, misrepresentation of the contract, and resale scams. The Division will often refer these complaints to the TN Real Estate Commission and the TN Board of Professional Responsibility.
  10.  Travel: 183 complaints
    This category includes consumer disputes involving travel-related issues such as hotel or rental cabin stays. Many complaints involved requests for refunds because of COVID-19.

For more consumer resources, or to file a complaint, visit the DCA website at tn.gov/consumer or contact us at 800-342-8385 or [email protected]

###

#21-08:  Division of Consumer Affairs Releases Top Ten 2020 Consumer Complaint Categories

Source link

Continue Reading

Trending